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Bankruptcy Can Do A Lot For You.
A Successful Bankruptcy.
More & More Options!
What's The Difference?
Chapters Can Be Changed.
Bankruptcy Steps.
Aren't There Other Chapters?
You've Decided.
Joint Bankruptcy.
As Soon As You Hire Us.
Help! Sharks Are At The Door!
An End To Mean Phone Calls
Lein Stripping.
Bankruptcy Will Not Affect Your Job.
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Some Debts Are Handled Differently.
Where Your Repayment Will Go.
Priority Debts.
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Keeping Your Car.
Keeping Your Home.
Bankruptcy Laws Changed in 2005.
Chapter 7 Means Test.
Mandatory Credit Counseling.
Qualifying for Bankruptcy.
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We Do Not Represent Creditors.
We Represent People Like You.
Your Situation Is Unique.
Creditor's Meeting Locations.
Contact Your Trustee's Office.
Is A Consultation Worth Your Time?
Foreclosure & Loan Mods.
Start The Ball Rolling.
Follow Us On Twitter.
Contact Us.
Free Consultation.
Office Hours.
Directions To Our Offices.
Budget Of Expenses Form.
Disclaimer.
Your First Attorney?
Bankruptcy Can Do A Lot For You.
A Successful Bankruptcy.
More & More Options!
What's The Difference?
Chapters Can Be Changed.
Bankruptcy Steps.
Aren't There Other Chapters?
You've Decided.
Joint Bankruptcy.
As Soon As You Hire Us.
Help! Sharks Are At The Door!
An End To Mean Phone Calls
Lein Stripping.
Bankruptcy Will Not Affect Your Job.
Wage Garnishments.
Chapter 13 Payment Plan.
Some Debts Are Handled Differently.
Where Your Repayment Will Go.
Priority Debts.
Secured Debts.
Unsecured Non-Priority Debts.
What Happens To Your Possessions?
Keeping Your Car.
Keeping Your Home.
Bankruptcy Laws Changed in 2005.
Chapter 7 Means Test.
Mandatory Credit Counseling.
Qualifying for Bankruptcy.
Filing Again.
Meet The Attorney.
We Do Not Represent Creditors.
We Represent People Like You.
Your Situation Is Unique.
Creditor's Meeting Locations.
Contact Your Trustee's Office.
Is A Consultation Worth Your Time?
Foreclosure & Loan Mods.
Start The Ball Rolling.
Follow Us On Twitter.
Foreclosure Help.
The Law Offices of Richard A. Cava offers a free consultation with the attorney. Bankruptcy can save your house. It is possible that, when you file for your bankruptcy relief, the mortgage holders who are trying to foreclose on your home will be required to stop all their actions. An Automatic Stay when granted through your bankruptcy will require all entities who wish to go forward with foreclosure or reposession to wait for your bankruptcy to be worked out first. This allows you the opportunity and time to allow the court to change the amount you pay each month, even completely wiping out second and third mortgages. When you meet with the attorney, he will be able to custom match your situation with the opportunities bankruptcy provides to save your home. The attorney has been working with people to save their homes for decades.It is possible that in coordination with bankruptcy, we can work with others to help you. The Department of Housing and Urban Development (HUD) has a lot of information on saving your house. Some programs are more controversial (and helpful) than others.
A good place to begin with HUD is their pamphlet "SAVE YOUR HOME: Tips to Avoid Foreclosure" It gives a super fast overview of what's out there.
Avoid Scams.
Real help to save you home is through bankruptcy. The Automatic Stay which prevents foreclosures from advancing is what can save your home, but there are a lot of scams out there which promise they can help, but that is not their real motivation. What you may not know is that there are also a lot of mortgage modification scams, too. The Office of the Comptroller of the Currency (OCC) has a good overview of scams to avoid. Many of the entities who will contact you if a foreclosure may be looming or a loan modification is pending are unethical and directly mean you and your family harm. The OCC has Consumer Warnings for avoiding mortgage modification scams and foreclosure scams. There are a lot of scams out there. As you know, a scam can ruin your future, so information about the scammers can help to avoid their schemes. The FTC has issued the Mortgage Assistance Relief Services Rule (MARS) to protect distressed homeowners from mortgage relief scams .Your Lender Won't Work With You.
Join the club; you are not alone. We have helped many people who are attempting to work with their banks. Our offices do not offer mortgage modifications, we do, however, through bankruptcy provide the best reason possible for the banks to work with you. Your bankruptcy means the banks have to wait for your case to work through the courts and lets the banks know that you are serious about repairing the situation you are in. Bankruptcy cannot guarantee you will keep your home, it will offer you the best opportunity to rearrange your debt so you can afford to keep your home. You should know that there are HUD approved Housing Councelors you can speak with at (800) 569-4287. If you have a FHA Insured Loan you can call (877) 622-8525 or send HUD an email.Lien Stripping.
If the value of your house is less than your first mortgage, then your second or even third loans have become unsecured. When you got the loan they were secured against the value of your home. Now that value has changed. Bankruptcy offers the unique opportunity to completely wipe out your second and third loans if they have become unsecured loans. This opportunity of erasing your payments on your subsequent loans means that you can better afford your home. This change in your ability to afford your home provides many banks with the motivation to reconsider your loan modification. When you meet with Richard A. La Cava, he will be able to advise you about how bankruptcy can change what you owe on your home.
The Law Offices of Richard A. La Cava
The Affordable Bankruptcy Center
Phone: (415) 282-8960
Telefono en Espanol: (415) 692-5405
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