This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship
Ronald W. Ask, Attorney at Law
3600 Lime St., Building 4, Suite 412
Riverside, CA 92501
Welcome
If you are a struggling home owner, you have many options to help you save your home other than bankruptcy. Most of these options are available to you at no cost. Click here to learn about the well kept secret of Loss Mitigation.
You may not need our services to seek Loss Mitigation. Try making that contact on your own. It will cost you nothing. If you need us to help you, we can, but most homeowners do well on their own. If you reach the point where you know that loss mitigation isn’t going to work for you, it’s time to call us.
We’ll know what to do.
Lien Stripping
If Bankruptcy Chapter 13 is going to be your option, and if you have a second mortgage, and if your first mortgage exceeds the value of your home, you may be able to convert the second mortgage from a secured debt to an unsecured debt. Translation: the second can’t foreclose. You save your house
Zero Percent Plans
You should also ask about repayment plans in Chapter 13 that are determined, essentially, by your ability to pay, not by the amount of unsecured debt that you owe.
