California Debt Relief Lawyers
Attorneys practicing in Debt Relief Debt Relief Case Evaluation Contact the law offices of New Horizon & Associates LLP
Debt Relief Practice Areas
Foreclosure Defense
Short Sale Deed in Lieu
Bankruptcy
Chapter 13
Chapter 7
Loan Audits
Foreclosure Loans

Attorney at Law in Los Angeles, Ventura, Orange County, Riverside, San Diego and San Bernardino

Ventura Lawyer

Facing overwhelming debt may place a person in a situation of embarrassment and a great deal of stress due to angry creditors, the possibility of foreclosure and an uncertain financial future. At the Law Offices of John Ribarich debtors can seek the legal assistance they may need in the face of creditor harassment, foreclosure and overwhelming debt. Our law firm is one of the leading firms in the field of debt relief, and we represent clients throughout Ventura, Los Angeles and San Bernardino, California. If you are interested in finding out more about our services and how Attorney John Ribarich may be able to assist you, do not wait to call us at (877) 306-6343 today. Relief may be closer than you think.

Representing Individuals in California

If you have fallen behind on mortgage payments or have already been served a notice of foreclosure, you may feel that you have nowhere to turn. This same situation has happened to numerous homeowners throughout Los Angeles, San Bernardino, Ventura and the surrounding areas. There are options that may help, however. A debt relief lawyer experienced with these matters can look to such options as a short sale or deed in lieu of foreclosure, a loan modification, or perhaps filing for bankruptcy under Chapter 13 of the bankruptcy code. Any of these options may be able to help you avoid foreclosure or save your home.

By discussing your particular options and your financial goals with you, an attorney at our offices can help you make an informed decision about fighting the foreclosure of your home.

Is Bankruptcy Right For You?

If you are seeking relief from overwhelming debt, bankruptcy may be an option to consider. Under Chapter 7 of the bankruptcy code, you may be able to effectively eliminate all eligible debt and get a fresh financial start. Once you file, all creditors must stop collection efforts and any legal action against you. This means that you can finally get relief from continuous phone calls, letters and constant contact from angry debt collectors. Filing for bankruptcy also puts an end to repossessions and wage garnishment.

Bankruptcy may not be right for everyone, and as such we at The Law Offices of John Ribarich highly recommend that you consult a legal professional to discuss your options. With our experience in this field along with our commitment to our clients, you will find that we will offer you the honest, straightforward bankruptcy and foreclosure defense advice you deserve.

If you're dealing with foreclosure or are seeking debt relief in San Bernardino, Los Angeles or Ventura, contact an attorney at our offices today.

Click here to be connected to a professional debt relief attorney.
California Attorneys | Contact Us | Site Map | Privacy Policy

Attorney Web Design The information on this website is for general information purposes only. Nothing on this or associated pages, documents, comments, answers, emails, or other communications should be taken as legal advice for any individual case or situation. This information on this website is not intended to create, and receipt or viewing of this information does not constitute, an attorney-client relationship.

Address: 15223 Burbank Blvd. Sherman Oaks, CA 91411 Phone: (877) 306-6343

Further Disclaimer: By now, you may have made your own attempts at loan modification. You now know what we have known: Despite all the government and media hype, the voluntary loan modifications are not the silver bullet to the foreclosure crisis. Even after President Obama introduced the HAMP program, only about 8% of the anticipated 9 million loan modification applications have been considered. Never forget that lenders and loan servicers are in the business of making money for their shareholders, not solving people’s financial problems. Despite the incentives created by the government, loan servicers remain inconsistent, negligent, understaffed, arrogant and just plain indifferent to the financial plight of most folks. If you’ve ever wondered why the bank doesn’t seem to care? Consider that it is the investor, not loan servicer, takes the financial hit when a property is foreclosed. Loan servicers make more money when a borrower falls into foreclosure. Servicers have an incentive to drag out the foreclosure and loan modification process. Despite what the government and the lenders may say, the loan modification or short sale process is not as quick and easy as has been portrayed.
VIOLATIONS CAN GIVE YOU LEVERAGE to secure a “SETTLEMENT”, not a LOAN MODIFICATION.
Whether hiring a lawyer will increase your chances for success a little or a lot depends on whether the lender has done something wrong. This is why Attorney Ribarich encourages every client to commission an audit of the original loan documents, review the appraisal and take measure of any agency relationships between the broker, the lender, the appraiser, the escrow and the title companies. Anecdotally, Attorney Ribarich believes that your chances of success increase fourfold if there is litigation or bankruptcy. Hiring a lawyer to review your options and handle the process makes sense. Your chances of obtaining a substantial loan modification will be greatly improved if the lender has violated the law…but how will you ever know? A lawyer can help you gain negotiating leverage on your behalf by finding violations of the law or capitalizing on provisions of the bankruptcy code.