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

Foreclosure Defense Lawyer

Serving Los Angeles, San Bernardino and Ventura

If you're facing foreclosure in San Bernardino, Los Angeles or Ventura, you are among many homeowners facing the same difficult situation. Fortunately, you do not have to sit back and watch as the bank takes back your home. An experienced foreclosure defense attorney at the Law Offices of John Ribarich may be able to assist you in seeking an alternative to foreclosure and saving your home.

With a lawyer at our firm at your side, you can consider such options as a deed in lieu or short sale, loan modification or perhaps filing for bankruptcy. You do not have to face this difficult situation alone, and you do have options that can help you face a brighter financial future. All you have to do is call our law offices at 877-306-6343 to learn more about our services and what we can do to assist you.

Stop Foreclosure with an Attorney at Your Side

With an attorney at our law firm at your side, you may have the invaluable opportunity to stop foreclosure and save your home. We are focused on working with our clients to determine exactly what they wish to do to resolve this matter. Sometimes, this may be to save their home. In other situations, a client may wish to avoid having the home foreclose but would be interested in another option, such as a short sale. Yet other clients may not have been served a notice of foreclosure and may wish to consider a loan modification in order to resolve the matter before it gets any more out of hand.

We represent homeowners throughout Ventura, Los Angeles, San Bernardino and the surrounding communities in California. We are interested in utilizing our experience and knowledge of this often complex field to best assist you in saving your home or exploring another option - whatever is best for YOU.

To learn more, contact a foreclosure defense attorney at our offices today. We help clients throughout Ventura, San Bernardino and the surrounding areas.

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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.