Debt Settlement Relief
If you are like many Americans in this economy, you are facing an overwhelming amount of debt and looking for a solution. Here at Financial Relief Law Center, APC, we have many solutions to your debt problems. We can examine the benefits of using bankruptcy or debt settlement and help guide you to the best result. Debt settlement is the concept of settling your debt with creditors for less than what you owe to them in exchange for a release of liability. Our boutique law office utilizes trained attorneys who regularly work with all types of creditors, both large and small, to resolve our client’s debts.
California real estate law provides that you may be liable on a second, third, fourth, and any other, priority lien on your home for a deficiency balance if the home is sold at a foreclosure auction. Our office provides clients with legal counsel to determine liability on junior liens; we are retained to then negotiate terms in the short sale transaction to reduce or eliminate liability on any junior liens.
Loan Modification & Workouts
If you are having difficulties paying your mortgage or you are currently in foreclosure, you may qualify for a Loan Workout, Forbearance or Repayment Plan. Our staff has helped many homeowners save their homes and avoid foreclosure. It is important when dealing with your most valuable asset to hire a competent firm that has the experience to deliver the results you expect and a dependable firm that will give your case the attention it deserves. When you retain our services, our staff will treat your case as if it were their own.
With help from Financial Relief Law Center, APC, you can protect your family’s interests with a comprehensive estate plan prepared with help from our attorneys. We can help you plan for a revocable living trust, pour-over will, financial power of attorney, advance health care directive, and more.
During your bankruptcy process, you may need to go through an adversary proceeding or bankruptcy litigation. This is a lawsuit filed by a debtor, a creditor, or a Federal Trustee. An Adversary Proceeding is a complex litigation procedure that requires a knowledgeable attorney.
While there is no guarantee to outcome, having a team like Financial Relief Law Center, APC at your disposal offers you the best chance for a positive outcome.
The most common types of Adversary Proceedings are
- Preferential Transfer Actions – This safeguards a creditor from being accused of transferal allegations where the creditor did not know a business was failing and concealing its inability to pay back debts
- Non-Dischargeability Action – This is the attempt of a creditor to use your record to prevent you from obtaining debt forgiveness. Typically used if the creditor is claiming fraud or misrepresentation.
- Objections To Discharge – This is similar to the above Non-Disagreeability above, however this would bar the debtor from obtaining a discharge of any debts.
- Fraudulent Conveyance Action – This could happen if you recently transferred funds or title to a third party, even if you innocently gifted an asset to a family member or friend. A Trustee could claim that you were trying to avoid a creditor’s due collection.
Contact Us for Assistance
If you need legal assistance, reach out to Financial Relief Law Center, APC. When you do, ask how you can take advantage of a free initial consultation. During this meeting, you’ll have a chance to tell us about your situation and your goals for taking legal action. We can offer next-step options you can take to pursue the best possible solutions to your legal challenges.