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
Loan Modification
Bankruptcy
Chapter 13
Chapter 7
Loan Audits
Foreclosure Loans

Los Angeles, Ventura and San Bernardino Bankruptcy Lawyer

Bankruptcy and Debt Relief

Facing mounting debt can place a person in an extremely difficult situation. One option a debtor may consider is bankruptcy, but making this decision is complicated, due to the many myths that surround the subject and the potential negative repercussions the debtor may experience. At the Law Offices of John Ribarich, we represent clients throughout San Bernardino, Ventura and Los Angeles in filing for bankruptcy under Chapter 7, Chapter 13 and Chapter 11 of the United States Bankruptcy Code. We understand how to utilize this powerful tool on our clients' behalf in order to eliminate debt, stop creditor harassment and stop foreclosure.

Bankruptcy will affect every person in a different way. That is why we consider it so important to discuss your particular financial situation and long-term as well as short-term goals with a bankruptcy attorney, allowing you the opportunity to get straightforward advice and information that will allow you to make an educated decision about filing for bankruptcy. At John Ribarich, we are dedicated to helping our clients solve their problems and experience much-needed debt relief through bankruptcy. However, if bankruptcy is truly not the right option for you, we will help you make the right choice for your financial future.

Representing Individuals and Businesses in Southern California

Our law firm represents both individuals and businesses in Southern California bankruptcy proceedings, including in Los Angeles, San Bernardino and Ventura. We understand how to work with individuals, families and a number of different types of companies, large and small. If you are interested in skilled representation in filing your bankruptcy case, look no further than the skilled team at John Ribarich.

Contact a bankruptcy lawyer at our offices today to schedule a consultation to discuss your debt relief plan.





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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.