If you are a homeowner facing foreclosure, know that it isn’t a death sentence. Many homeowners go through the entire foreclosure process without knowing that they can negotiate with their lender to stop foreclosure and keep their home. At SM Law Group, APC, we know that lenders do not want to own homes and deal with the expense and hassle that comes with the foreclosure process. That is why we are committed to using our resources and knowledge of the law to help clients throughout Los Angeles come to terms with lenders so they can negotiate their mortgage agreements and stave off foreclosure.
Allowing your property to go to foreclosure is not the only way to ease the burden of a huge mortgage payment. At SM Law Group, our skilled attorneys have helped owners all over the greater Los Angeles area re-organize the arrears on their mortgages so they can get an additional 5 years to get caught up on their missed mortgage payments through a Chapter 13 bankruptcy. In some circumstances, we can even get rid of second and third mortgages on a home, depending on the current property value and the 1st mortgage against it.
Filing for bankruptcy can not only prevent foreclosure and allow the homeowner to continue making payments on their terms, but it can also delay the process for a significant amount of time (usually 4-6 months). If a homeowner decides they would rather walk away from the property, then filing for Chapter 7 or a Chapter 13 bankruptcy before the foreclosure can buy the homeowner additional time to move out.
Many clients want to know why they should hire an attorney to handle foreclosure negotiations. The answer is simple. If you want to save your home and negotiate affordable mortgage payments, you need a seasoned lawyer who is familiar with the entire foreclosure process, how banks function, and common legal issues that are related to foreclosure.
Having a reliable lawyer in your corner will put more pressure on the bank and give you a stronger hand during the negotiation process. Our lawyers at SM Law Group are skilled negotiators, and we know the ins-and-outs of foreclosure and mortgage law. Additionally, our legal professionals can advise you on other legal options that could help save your home from foreclosure and reorganize your debts.
A foreclosure can be a traumatic problem but hiring our reputable attorneys to represent you can ensure your interests are protected if you encounter any legal issues. Our firm proudly serves clients who are struggling with foreclosure and eviction notices, and we will dedicate our full resources to help you fight back against the bank and try to prevent foreclosure from taking your home.
Hear From The People We've Helped
I was referred to this firm by a friend. I can say I am very pleased with the outcome. Kian was wondering throughout this horrible experience. The insurance company didn’t want to pay me after I got rear-ended by a semi-truck but this firm made sure they paid me in full plus interests. This firm” - Marie Leon
I am very grateful for the firm really fast help me and I’m glad that they knew my language Spanglish and help me out with paperwork the job was done very fast and now months have passed and now I have credit cards again everything was restored the firm was absolutely outstanding very grateful For” - Paz Amor
Very professional and prompt service. Kian was excellent at what he does and made sure all my questions were answered. Very honest and helped me tremendously! Highly recommend. You don’t need a lawyer until you need a lawyer and they are great! - Aaron McCann
“Kian did my bankruptcy with flying colors. Now he’s working on my PI case. He’s friendly and hardworking. I highly recommend him.” - Former Client
“I’ll contact you guys again if I need help with anything else. Much appreciated all the help from everyone at your office. Thanks! ” - Hermes P.
“I would like to thank Kian and the whole SM Law Group for helping me file all the paperwork. They walked me through each step. Communicated and kept me up to date. They are extremely professional. I highly recommend them.” - Manuel S.
“SM law firm is one of the most professional law firms I have ever dealt with. I have worked with Kian on a few cases and he has always made things easy and straightforward. His knowledge on the law is outstanding and their rates are very reasonable.” - Jimmy S.
“This is by far the best personal injury firm I’ve ever worked with. Very professional people. Very transparent and honest and highly hard working. I definitely recomment them for anyone. You will find no issue in communicating with them. They will always reply to you and explain everything in details in a timely manner. Ask” - Hosni O.
“Very professional. Even when the defending insurance company tried to drag out the procedure and lowball the payment, the attorneys at SM would always push forward in order to get me the highest settlement possible. They would update me regularly and helped extensively with my deposition. I would recommend them to anyone.” - Joshua N.
High Quality Representation for Your Legal Needs