Foreclosure Prevention, Bankruptcy, Loan Modification, Short Sale, or Debt Settlement

Our attorneys and legal staff can negotiate with your creditors and mortgage lenders to stop harassing phone calls and help get your life back on track. If you need information on Loan Modifications, understanding Bankruptcy Laws, or would like to know more about the new Government HAMP Program for Principal Reductions and mortgage payment forgiveness we can help....

How It Works

The average American trying to get a loan modification on their own is nearly impossible. We are experienced with dealing with lenders and mortgage servicers. Getting your loan modified isn't a simple process. The Law Offices og Guillermo Perez can help you navigate through the process and negotiate with your lender. A modification to an existing loan made by a lender in response to a borrower's long-term inability to repay the loan. Loan modifications typically involve a reduction in the principal balance, interest rate or an extension of the length of the term of the loan. In some cases a different type of loan or any combination of the three. A lender might be open to modifying a loan because the cost of doing so is less than the cost of default or foreclosure. But trying to do it yourself is nearly impossible!

A Shortsale May Be The Solution To Your Problems

If you need mortgage help and have tried refinancing or a loan modification with your lender and both the loan work and refinance have been declined a short sale may be negotiated to avoid foreclosure. But beware of Short Sale Hell. It is in your best interest to hire an attorney experienced in bankruptcy laws and short sale negotiations to get the best result. We can offer you a free consultation for foreclosure help, explain the foreclosure process and review all your options. To sell your home in a short sale or offer a deed in lieu may be a solution and may allow you to walk away without a deficiency. In real estate, a short sale is when a bank or mortgage lender agrees to discount a loan balance due to an economic or financial hardship on the part of the mortgagor. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender in full satisfaction of the debt. In such instances, the lender would have the right to approve or disapprove of a proposed sale

Main services

Legal Loan Modification.

Our legal negotiating team provides you with the legal help and documentation you need to negotiate with your lender. Years of experience and specialized negotiating documentation ensure your case is on track, on time and completed with legality as a priority.

Debt Settlement.

Debt settlement is a completely legal, logical, and ethical way to get out of debt as old as the concept of debt itself. The incentive for your creditors to settle a debt becomes clear once there is a possibility that they may collect nothing on the debt if you were left with no choice but to file for bankruptcy protection. Your incentive to settle is to avoid bankruptcy and to ethically discharge your debts. Once you are on the “debt treadmill” it becomes more and more difficult to step off. Eventually your minimum monthly payments will likely be going almost entirely towards interest. At this rate, you would finally pay the account off in about 30 years having spent ten times or more what you initially borrowed. We understand your predicament and the credit card companies have been counting on and profiting from it for years. Debt settlement can end the 30 year cycle and cut it down to 3 years or less.