Do you need a Bankruptcy Lawyer or Information? BankruptcyAction.com

March 17th, 2010

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Agoura Hills, California Bankruptcy Attorneys

star Michael T. Chulak & Associates, 818-991-9019
30343 Canwood Street, Suite 203, Agoura Hills, CA 91301 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Altadena, California Bankruptcy Attorneys

Star The Law Offices of R.C. Lim, 626-689-4072
616 N. Marengo Avenue, Ste. 616, Pasadena, CA 91101 Email Website  Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Anaheim, California Bankruptcy Attorneys

starRobert P. Taylor, Attorney at Law, 714-962-1892
9042 Garfield Avenue, 312, Huntington Beach, CA 92646 USA Email WebsiteClick to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

starSouthern California Law Advocates, P.C., 866-337-7220
Toll-Free: 866-337-7220
333 City Boulevard West, 17th Floor, Orange, California 92868 Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Arcadia, California Bankruptcy Attorneys

starMorris & Morris, A Law Corporation, 626-294-0880
150 N. Santa Anita Ave., Suite 750, Arcadia, CA 91006 USAEmail Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

starEvan L. Smith, Attorney at Law, 626-821-1815
150 N. Santa Anita Avenue, Suite 300, Arcadia, CA 91006 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Bakersfield, California Bankruptcy Attorneys

Star Icon Law Offices of Neil E. Schwartz, (661) 326-1122
4900 California Avenue, Suite B210, Bakersfield, CA 93309 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Beverly Hills, California Bankruptcy Attorneys

StarLaw Offices of Leonora Gorelik, 213-382-2926
3470 Wilshire Blvd., Suite: 1026, Los Angeles, CA 90010 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

StarLaw Offices of Michael J. Berger , 310-271-6223
9454 Wilshire Blvd., 6th Flr, Beverly Hills, CA 90212-2929 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Burbank, California Bankruptcy Attorneys

StarLaw Office of Mark J. Markus, 818-509-1173
2600 W. Olive Ave., 5th Floor, Burbank, CA  91505 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Star Lauren Ross, 818-847-0211
2550 N. Hollywood Way, Suite 404, Burbank, CA 91505 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Carlsbad, California Bankruptcy Attorneys

StarDoan Law Firm, (760) 450-3333
Toll-Free: 1-(888) DOANLAW
2850 Pio Pico Drive, Suite D, Carlsbad, CA  92008 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Carona, California Bankruptcy Attorneys

StarBuckey & Schurter, Bankruptcy Attorneys, 951-278-2224
1450 West Sixth Street, Suite 116, Carona, CA 92882 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Chula Vista, California Bankruptcy Attorneys

StarLaw Offices of Andrew A. Moher, 858-633-2340
4747 Viewridge Avenue, Suite 220, San Diego, CA 92123 USA Email Website  Click to get a Confidential Callback from this Bankruptcy Professional!   More Information and a Map.

Encino, California Bankruptcy Attorneys

StarLaw Offices of Michael H. Candiotti, 818-345-5120
18075 Ventura Blvd., Suite 104, Encino, CA 91316 Email Website Click to get a Confidential Callback from this Bankruptcy Professional!  More Information and a Map.

StarPrice Law Group, 1-866-210-1722
15760 Ventura Blvd., #1100 , Encino, CA, 91436 US Email Website  Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Escondido, California Bankruptcy Attorneys

StarDoan Law Firm, LLP, 760 746-4476
320 E 2nd Ave, 108, Escondido, CA 92025 USA Email Website  Click to get a Confidential Callback from this Bankruptcy Professional!   More Information and a Map.

Fresno, California Bankruptcy Attorneys

StarPrice Law Group, 1-866-210-1722
48 E. Spruce Street, Suite 103, Fresno, CA 93750 US Email Website  Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Hayward, California Bankruptcy Attorneys

StarLaw Office of Michael Akana, 510-782-1100
225 W. Winton Ave., Suite 111, Hayward, CA 94544 Email  Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

 Huntington Beach, California Bankruptcy Attorneys

starRobert P. Taylor, Attorney at Law, 714-962-1892
9042 Garfield Avenue, 312, Huntington Beach, CA 92646 USA Email WebsiteClick to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Irvine, California Bankruptcy Attorneys

Star IconLaw Offices of Timothy G. McFarlin, PLC, 949-206-0400
Toll-Free: 1-888-728-0044
4 Park Plaza, Suite 1025, Irvine, CA 92614 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Star IconThe Law Offices Joseph M. Tosti, 949-450-1200
15615 Alton Parkway, Suite 210, Irvine, CA 92618 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Star IconEsquire Law Center, 949-270-3874
2 Executive Cir, Suite 175, Irvine, CA 92614 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Lake Forest, California Bankruptcy Attorneys

Star Lake Forest Bankruptcy, 949-218-2002
27031 Vista Terrace, Suite 209, Lake Forest, CA 92630 Email Website Click to get a Confidential Callback from this Bankruptcy Professional!  More Information and a Map.

Los Alamitos, California Bankruptcy Attorneys

StarGary Leibowitz, 562-430-6002
4050 Katella Ave., Suite 201, Los Alamitos, CA 90720 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Los Angeles, California Bankruptcy Attorneys

Star Los Angeles Bankruptcy . Net, 1-888-54-BK LAW
Toll-Free: 1-888-54-BK LAW
27538 Sierra Highway, #100, Los Angeles, CA 91351 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

StarPersonal Bankruptcy Center, 310-391-2400
Toll-Free: 1-800-307-3328
11268 Washington Boulevard, Suite 203, Culver City, CA 90230-4647 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional!  More Information and a Map.

StarLaw Offices of Leonora Gorelik, 213-382-2926
3470 Wilshire Blvd., Suite: 1026, Los Angeles, CA 90010 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

StarLaw Offices of Michael J. Berger , 310-271-6223
9454 Wilshire Blvd., 6th Flr, Beverly Hills, CA 90212-2929 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

starSouthern California Law Advocates, P.C., 866-337-7220
Toll-Free: 866-337-7220
515 S. Flower St., 36th Floor, Los Angeles, California 90071 Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

starBankruptcy Hope Law Group, 213-612-8906
Toll-Free: 1-877-hope-690
601 S. Figueroa St., Suite 4025, Los Angeles, California 90017 Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Norwalk, California Bankruptcy Attorneys

StarSouthern California Bankruptcy Law Center, 562-868-1709
Toll Free: 1-866-868-1709
13624 San Antonio Drive, Norwalk, CA 90650 Email Click to get a Confidential Callback from this Bankruptcy Professional!  More Information and a Map.

Oakland, California Bankruptcy Attorneys

StarLaw Offices of Marta M. Guzman, 510-531-0453
3065 Guido Street, Oakland, CA 94602 USA Email More Information and a Map.

Oceanside, California Bankruptcy Attorneys

StarLaw Offices of Andrew A. Moher, 858-633-2340
4747 Viewridge Avenue, Suite 220, San Diego, CA 92123 USA Email Website  Click to get a Confidential Callback from this Bankruptcy Professional!   More Information and a Map.

Ontario, California Bankruptcy Attorneys

StarPrice Law Group, 1-866-210-1722
3281 Guasti Road, Suite 425, Ontario, CA 91761 US Email Website  Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Palmdale, California Bankruptcy Attorneys

StarPrice Law Group, 1-866-210-1722
950 E. Palmdale Blvd., Suite M., Palmdale, CA 93550 US Email Website  Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Palm Springs, California Bankruptcy Attorneys

Star IconGary J. Holt, Attorney/CPA, 760-416-3080
777 E. Tahquitz Canyon Way, Suite 200, Palm Springs CA 92262 US Email WebsiteClick to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Riverside, California Bankruptcy Attorneys

StarPrice Law Group, 1-866-210-1722
3890 11th Street, 1st Floor, Riverside, CA 92501 US Email Website  Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

San Diego, California Bankruptcy Attorneys

StarDoan Law Firm, LLP, 760 746-4476
320 E 2nd Ave, 108, Escondido, CA 92025 USA Email Website  Click to get a Confidential Callback from this Bankruptcy Professional!   More Information and a Map.

Star The Debt Relief Law Center, 800-803-7310
3111 Camino del Rio North, Suite 400, San Diego, CA 92108 USA Email Website  Click to get a Confidential Callback from this Bankruptcy Professional!   More Information and a Map.

San Francisco, California Bankruptcy Attorneys

StarLaw Offices of Ronald P. St. Clair, 415-788-1708
870 Market Street, Suite 951, San Francisco CA 94102 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional!  More Information and a Map.

StarLaw Offices of Shaye Larkin, 415-346-1799
631 O’Farrell Street, No. 615, San Francisco, CA  94109 US Email Website More Information and a Map. Click to get a Confidential Callback from this Bankruptcy Professional!

Star Icon Patrick McMahon, Attorney at Law, 415-644-5280
703 Market Street, #1109 A, San Francisco, CA 94103 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Star IconMarty K. Courson, Attorney at Law, 415-433-3100
582 Market Street, Suite 412, San Francisco, CA 94104 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Star IconLaw Offices of Kevin J. Stewart, 415-230-5315
201 Spear St., Suite 1100, San Francisco, CA 94105 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Star IconBoeing Law Offices, 415-359-6333
493 7th Avenue, San Francisco, CA 94118 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

San Jose, California Bankruptcy Attorneys

StarDupre Law Firm, 408-727-5377
2005 De La Cruz Blvd., Suite 203, Santa Clara, CA 95050 Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

StarSagaria Law, P.C., 408-279-2288
Toll-Free: 1-800-941-6730
333 West San Carlos Street, Suite 1700, San Jose, CA 95110 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Santa Ana, California Bankruptcy Attorneys

starShakoori Law Group, 714-542-2188
Toll-Free: 1-877-529-4545
3 Hutton Centre Dr., Suite 620, Santa Ana, CA 92707 USA Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Santa Clarita, California Bankruptcy Attorneys

Star IconLaw Offices of Hale A. Antico, 661-252-9900
27538 Sierra Hwy., Santa Clarita, CA 91351 US Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Temecula, California Bankruptcy Attorneys

Star IconGary J. Holt, Attorney/CPA, 951-461-8681
27247 Madison Ave., Suite 119, Temecula, CA 92590 US Email WebsiteClick to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Torrance, California Bankruptcy Attorneys

StarPrice Law Group, 1-866-210-1722
21250 Hawthorne Blvd., Suite 500 , Torrance, CA 90505 US Email Website  Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map.

Upland, California Bankruptcy Attorneys

Star IconMarc Grossman Law Offices, 888-407-9068
Toll-Free: 888-407-9068
818 N. Mountain, Suite 111, Upland, CA 91786 Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

Woodland Hills, California Bankruptcy Attorneys

Star IconLaw Offices of Jonathan Leventhal, 818-274-3075
21550 Oxnard Street,Third Floor, Woodland Hills, CA 91367 Email Website Click to get a Confidential Callback from this Bankruptcy Professional! More Information and a Map

 

These California bankruptcy lawyers and California bankruptcy attorneys are experienced California bankruptcy lawyers, many of whom will give you a free initial consultation.

When you deal with consumer bankruptcy lawyers, as with all professionals, it is to your advantage to be well prepared and knowledgeable. Also make sure you give the consumer bankruptcy lawyer FULL AND COMPLETE information concerning your finances. Bankruptcy lawyers can give you the best help and advice only if they have all the facts. Following these tips will give you the most benefit from your dealings with consumer bankruptcy lawyers at the optimum cost.

To help you prepare for your meeting we suggest the following:

  • Read this page so you have a working knowledge of bankruptcy;
  • Fill in this form so that you have all relevant financial information available for your meeting with the consumer bankruptcy lawyer;
  • Phone one of these consumer bankruptcy lawyers to set up an initial consultation. Ask if the initial consultation is free or if there is a cost.

 

(Also Refer to: California Bankruptcy FAQ’s & Assets that can be kept; California Bankruptcy Exemptions)
The offices marked with a   Click to get a Confidential Callback from this Bankruptcy Professional!   will have a California bankruptcy lawyer promptly phone you if you wish to discuss a possible California bankruptcy.
It’s easy and confidential! Just click the Click to get a Confidential Callback from this Bankruptcy Professional! button and enter your phone #.
A California bankruptcy lawyer will call you, in confidence, to answer your questions.

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Rent Escrow Account Program / Utility Maintenance Program

February 13th, 2010

WHAT IS THE PURPOSE OF REAP?

The Rent Escrow Account Program is an enforcement tool to encourage landlords to maintain their properties and to bring properties that have existing violations into compliance.

SECTION 162.00

The purpose of the provisions of this article to provide a just, equitable and practical method, to be cumulative to and in addition to any other remedy available at law, to enforce the purposes of the Housing Code set forth in Section 161.102 and to encourage compliance by landlords with respect to the maintenance and repair of residential buildings, structures, premises and portions of those buildings, structures and premises.

The provision of this article shall apply to all residential units in all existing buildings, structures, and premises which contain one or more rental units as defined in Sections 151.02.

Posted in Uncategorized | No Comments »

The City of Truth or Consequences-Watch out for Falling Home Prices

January 16th, 2010

Everyone talks about falling prices because of all the foreclosures. And they ask about low ball offers for bank owned properties. But I heard that banks are required to sell REOs at fair market value to prevent a crash in the real estate market. Is this true or is this a myth? If true, are Short Sales exempt because the bank doesn’t actually own the home yet?
There is a lot of speculation that the Banks will stop foreclosing and move to short sales which greatly speed-up the banks ability to get properties on the market and increase supply. The condition of these hopes will most likely be better and pressure the financable homes (to drop in price) while improving prices on poor condition homes thus leveling out the playing field. This is not good for some sellers. Right now the REO inventory is low as the would-be sellers (banks) prepare to start moving property through short sales. Only time will tell how things work out.

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Posted in Housing Market, Real Estate Selling | No Comments »

Housing Market Recovery – Will It last?

January 8th, 2010

All stats are showing we are in a recovery mode, but…if we lose the tax credit will we be right back where we started-?? Despite the improved housing environment, Barclays expects the S&P Case Shiller Housing Price Index to decrease 8% in the first quarter of 2010. This spells more Short Sales and more foreclosures. Let’s hope the recovery will continue in 2010…

Posted in Housing Market, Real Estate Selling | No Comments »

FSBOs (For Sale By Owner) Don’t Sell Well-Here’s Why:

January 6th, 2010

 

1. Buyers who respond to FSBO ads usually have not been qualified to buy (the qualified buyers retain real estate agents to help them find a house).

2. Real Estate agents don’t show FSBO homes (they show homes listed by other agents).

3. In many cases, a FSBO sale takes a long time. 

4.  If you are selling your house yourself to save money, you will be sadly surprised-the would-be buyer is thinking the same thing-save money!  They may expect you to make a lot of post-negotiation repairs at your expense prior to closing as well as requiring you to make closing costs concessions.

Do you want to close quickly and without surprises?  Take to a Cash Buyer-make sure they pay the normal closing costs and do not require any repairs.  That’s the way to get cash fast and stress-less.

Posted in Housing Market, Real Estate Selling | No Comments »

WATCH OUT FOR FALLING HOME PRICES!

January 2nd, 2010

 

Housing Affordability Index Q3-2009 – What Percent of the households can afford the average priced home?

 USA:  62%

CA:  48%

LA County:  35%

LA City: X%

 ALthough, I don’t have the figures for the City of Los Angeles (shown as an “X”), The City of Los Angles is normally lower than the County of LA or State of CA.  This means that rates have to drop further (and they just went up over .5% since Q3) or prices have to drop.  For Los Angeles County to get back to 40%, assuming rates stay were they are today, values would mathematically have to fall.  WATCH OUT FOR FALLING HOME PRICES!

Posted in Housing Market, Real Estate Selling | No Comments »

How to Sell My House through an Agent

December 30th, 2009

 

Is the price right?

 “Some agents will overvalue just to get you to sign a listing agreement”

Consider changing agent

If you’re not happy with your agent, don’t be afraid to get a new one. Sign a new listing agreement and start fresh.  Keep in mind that the Multile Listing Service keeps track of how long your home is on the market.

Be flexible about viewings

Agents say that this vital. Be “on call” virtually 24 hours a day (not quite, but the agents would like it if you were on calll 7 days a week from 7 AM until 10 PM).

Be realistic about your taste

Take a fresh look at your home: does the bathroom need repainting? Might that purple wall be off-putting to potential buyers? Agents recommend painting dark walls a light colour, and “neutralising” rooms where possible. Although you must make all “Safety and Hazard Repairs” annd Lender Required repairs before closing at your own expense, you should also make all cosmetic repairs as well and recapture the monies at closing.  Normally this will only run you $5,000 to $10,000 out of pocket or on your credit cards/equity line.

Declutter

Your home should look immaculate. Declutter and thoroughly clean your property — including windows — and make sure that all rooms are tidy and beds are made. Keep personal items to a minimum. Consider paying for a storage facility.

Deep clean kitchens and bathrooms

These rooms are apparently the “make or break” factor for many buyers, so make sure you show them in their best light. “Don’t leave dirty dishes in the sink and bathrooms should be sparkling too.”   Consider paying a maid to come in daily or every other day if you are too busy.

Evict pets and children

A chaotic house full of noisy children and excitable pets can be off-putting for anyone coming to view. Arrange for everyone (including pets) to be out of the house to create an atmosphere of calm.

Get planting

Make sure the outside is tidy: mow the lawn, sweep up leaves, cut back overgrown trees and hide bins. Add a few flowers for colour. Cut down any trees that may block the front of the house.

The personal touch

As winter closes in, it’s important to make sure that your house is welcoming. Light the fire — if you have one — and put the heating on (or the air) daily. “Personal touches help to differentiate one property from the next.”

Posted in Real Estate Selling | No Comments »

“I’ll Just List My House”

December 25th, 2009

 

This is a good idea if you are not in a rush to sell your home and get any cash proceeds, as it allows your home to be exposed to the maximum amount of buyers (throught the Multiple Listing Service-MLS).  According to ZipRealty.com, as of Nov. 2009, the average house in Los Angeles was on the market 77 days before it was under contract (the seller and buyer agreed on terms).  It typically takes between 30-45 days more to actually close and for the seller to get their net proceeds (after paying for the taxes/Realtor fees/and all the other costs charged by everyone involved).  And what if the borrower doesn’t qualify or flakes out?  You start over again. 

 If the buyer uses an FHA loan, the seller can count on paying another 3% of the purchase price in “seller credits” to the buyer.  If the lender or inspectors find safety issues (like a gas cutoff switch) or things the lender wants fixed, guess who pays?  You’re right.

 “Open Houses” AKA “House Parties

Hire a real estate broker to sell your home, and one of the first things he’ll likely suggest is hosting an open house so that potential buyers can casually check out your property on a weekend afternoon. But while open houses are promoted as a great way of finding a buyer, a National Association of Realtors study found that their success rate is a mere 2 to 4 percent.

No matter. Holding an open house serves another important purpose for the broker. It gives him a database of clients, an independent real estate broker based in New York City who says that he doesn’t like open houses, preferring to match clients with appropriate buyers. At open houses, you get all kinds of people walking in. Some are trying to see how much they should sell their own places for; others just want to get a look at what’s out there. All are perfect pickings for a broker looking to increase his roster of buyers and sellers. Think about it. The broker is devoting a couple hours of a weekend. He won’t do that unless it helps him in a big way. But it doesn’t necessarily mean that a seller should forego an open house altogether, It’s still a real good way to showcase your house.

 “I’ll Just Sell It Myself”

 I also operate on myself, fix my own TV, and grow my own food.  It is like an attorney who represents themselves; “they have a ____ for an attorney and a ______ as a client”.  There are a lot of legal disclosures and laws to follow.  Any if a Realtor brings you a buyer (and most of them won’t), who has the upper hand?  Most “For Sale By Owners” AKA FiSBOs never close.  Also, the buyer knows that you are not paying the Realtor Fee and subtracts it from their offer.  And you though 77 “Days on Market” was long…Huh!

 Just a few things to keep in mind if you need to sell quickly…well actuall, only one thing:  www.wibuyhomes.com and get an offer today.

Posted in Real Estate Selling | No Comments »

Why are the Equity Hard-Money Lenders not Making CASH-OUT Loans?

December 16th, 2009

The short answer is because our government stopped lenders from making cash-out loans to people with credit lates or who can’t show income on their tax returns-you know, normal working Americans like us.  If you own your home and have equity, and can’t prove your income or have credit issues (like most of us), you most likely can’t get money out of your house when you need it.  Either you need to live without the money or consider selling your home and getting the cash you need. 

Homeowner’s Equity Protection Act (HOEPA)

HOEPA rules prohibit specific acts and practices in mortgage lending. Previously Reg Z specified limitations and disclosure requirements for certain high-cost closed-end mortgage loans (Section 32 loans – HOEPA). The new rule adds a new class of limitations and requirements of higher-priced closed-end mortgage loans (Section 35 loans – HPML) and places limitations on those loans.

Posted in Lending | 2 Comments »