BEFORE YOU MAKE THE “DEBT COUNSELING” MISTAKE, CALL US!

(530) 945-2540

We Also Look at Alternatives to Bankruptcy.

                We will examine the circumstances of your debts before giving you some options.  Sometimes a person may have unsecured debts where the statute of limitation has run or will run out within a few months.  In these and other cases, bankruptcy may not be the best option.  That’s why we review your case to find the best solution for your future.

                We have easy payment options that can get you started on a new life and stop the harassing calls for as little as a $200 down payment.  We can stop the harassing calls today!

                ARE YOU UPSIDE-DOWN ON YOUR MORTGAGE?

                Mortgage loan modifications are dead!  Why?  Because the problem is not that the interest rate is too high.  Most likely, the real problem is that the principle balance exceeds the value of the home.

                Almost all mortgage modification plans fail within a few months because the banks refuse to modify the balances of the underwater mortgage.  Most borrowers see no future in being burdened with a mortgage payment on an upside down loan that is far greater than the cost of renting a similar home.

                Our office can show you options of negotiating a way to free yourself of your present mortgage and walk away with the ability to get a new start.

                Our services may also include eviction defense which may assist you in obtaining enough time to find a new home at your convenience.

                Lastly, don’t be fooled that you can always walk away from a mortgage deficiency and not be responsible for it.  If you had refinanced your home at any time since you purchased it,  you may be responsible for the deficiency between the short sale or the foreclosure.  The mortgage company may hold you responsible years after you have left your former home.   

                Your bankruptcy should address the potential liability of a mortgage deficiency. 

CALL OUR OFFICE NOW AT: (530) 945-2540

Our Areas Include...
Shasta, Tehama, Butte, Glenn, Lassen, Modoc, Plumas, Siskiyou, Colusa, Trinity, Sutter, Yuba, and Nevada County. These counties include the cities of Yreka, Weed, Alturas, Quincy, Truckee, Nevada City, Grass Valley, Marysville, Yuba City, Oroville, Chico, Paradise, Red Bluff, Corning, Redding, Willows and Susanville.  If you are in or near any of these Northern California communities and would like to take back control of your financial future, we would like to help.