CALIFORNIA LOAN MODIFICATION ATTORNEYS

THE BIGGEST CRASH SINCE THE 1800s

The recent real estate market crash has been the biggest hit our housing market has seen since the 1800s. In addition, rising medical bills and job shortage have made it easy to fall behind on mortgage payments and other obligations. If you can no longer make your monthly mortgage payments, the attorneys at ANAND LAW can help you find a permanent solution that provides relief now.

Speak directly with an attorney at ANAND LAW. Often time, hiring an attorney is the only way that you are able to ensure that the banks don’t simply ignore and step on your rights. Our attorneys can negotiate with your lender(s) in order to restructure your loan, including potential interest rate reduction and even principal reduction. Our attorneys are also often able to negotiate a recapitalization of your loan so that you are immediately current and are on your way to gaining equity. If your lender is not cooperative and we find that they have violated the law, we can sue them in state or federal court.

DON’T LET THE BANK TAKE ADVANTAGE OF YOU

Hiring an attorney puts you on the same playing level as the banks. The attorneys at ANAND LAW deal with the banks and various lenders day-in and day-out. There are many details involved in restructuring and/or modifying a loan that can be overlooked. Our attorneys are trained to pay attention to these details and are experienced in making sure that the banks follow modification and foreclosure laws.

Our attorneys will also evaluate your situation to determine:

  • If your lender violated laws when issuing your loan (for example, under the Truth in Lending Act and Real Estate Settlement Procedures Act);
  • If violations occurred after your loan was issued (for example, improper transfers of your loan into a trust and other MERS-related violations); or
  • If your servicer and/or lender has violated California’s Homeowner’s Bill of Rights or other emergency laws enacted to curb the foreclosure crisis.

THE BEST OPTION FOR YOU

If you are facing a foreclosure sale, the attorneys at ANAND LAW can evaluate your situation and determine the best solution for you. Oftentimes, we are successfull in preventing foreclosure sales altogether. Where homeowners can’t afford to remain in their property, but the lender has still committed wrongdoings, we are often able to secure monetary settlements.

We can also evaluate your situation to determine if a Chapter 7, Chapter 13, or Chapter 11 bankruptcy is in your best interest.

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