• Foreclosure 
  • What is a Notice of Default ? 
    • A foreclosure generally starts with a lender recording a Notice of Default (NOD). You may receive several collection calls and letters preceding this notice that may seem like a foreclosure notice, but it does not officially begin until this NOD is recorded.  The 90 day period runs from the date this NOD is recorded.
  • What is a Notice of Trustee Sale ? 
    • After the 90 day period has run, the lender can record a Notice of Trustee Sale and sell your home at an auction in about 20 days. 
  • What happens after the auction ?
    • The lender (or other purchaser) becomes the owner and can now evict you. 
  • How does bankruptcy stop foreclosures ?
    • A Chapter 7 temporarily delays a foreclosure, but a Chapter 13 (assuming you meet the qualifications) can save your home from foreclosure.
• Bankruptcy
  • What is a Chapter 7 ?
    • This is the most simple, liquidation form of bankruptcy.  If you own a home, you can still keep your home in most cases if homestead exemptions in the amount of $75,000, $100,000 and $175,000 (depending on your status).
  • What is a Chapter 13 ?
    • This is the individual repayment plan where you keep your assets and pay what you can afford. 
  • What is a Chapter 11 ?
    • This bankruptcy is usually reserved for large corporations, businesses or individuals with larger debt than allowed by the Chapter 13.
• Our Services
  • Where are you located, and is there parking?
    • You can go to the Contact Us or Map/Directions page for location.  There is limited street parking and there is a fee for underground parking.  We can usually do phone consulations and you may retain us via our website.  Call us at 213.384.6900 for information on how to retain us without the need for an office visit.
  • What are your hours?
    • Monday through Friday, 9 a.m. to 6 p.m.
  • Do you charge for a consultation?
    • Our initial consultation is free.
  • How much does a bankruptcy cost ? 
    • We will need to have a consultation in order for us to give you a quotation.  Our rates are very competitive and reasonable.

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