Law Offices of Zhou and Chini
Articles
What to Do If You Can't Get a Loan Modification
Submitted By: Ron Chini On: Feb 24th 2011
Category: Loan Modification
Thousands of Americans that are challenging the validity of their mortgage note as well as the security behind that note in state and federal courts. Currently over 2,000 (and growing daily...
Stopping Trustee Sale Date in California
Submitted By: Ron Chini On: Feb 22nd 2011
Category: Foreclosure Defense, California
We see many clients who are either attempting or denied a loan modification have their property sold out from under them without notice. Many have completed a trial mod under the government’s HAMP...
Denied Loan Modification: Sue Your Lender or File Bankruptcy?
Submitted By: Ron Chini On: Feb 21st 2011
Category: Loan Modification
Bank of America agreed to modify loans of homeowners facing foreclosure in 11 states in back in 2008. What does this mean for you? It could mean EVERYTHING if history repeats itself, and it does! If you are stuck...
Denied Loan Modification: What are My Options?
Submitted By: Ron Chini On: Feb 10th 2011
Category: Loan Modification
If you are one of the thousands of homeowners being denied for a loan modification you may be facing foreclosure and want to know your options. You may have also been denied your rights as a...
Can Your Lender Really Foreclose?
Submitted By: Ron Chini On: Feb 10th 2011
Category: Foreclosure Laws
Thousands of Americans that are challenging the validity of their mortgage note as well as the security behind that note in state and federal courts. Many homeowners are now engaged in mass...
Postpone a Trustee Sale with No Upfront Fees
Submitted By: Ron Chini On: Feb 9th 2011
Category: Foreclosure Defense
If you are facing foreclosure due to not getting approval to modify your mortgage, exiting a Chapter 7 bankruptcy, or for some other reason, you still have an...
You Do NOT Need to File Bankruptcy to Stop a Foreclosure!
Submitted By: Ron Chini On: Jan 23rd 2011
Category: Foreclosure Defense
You do NOT need to file bankruptcy to stop a foreclosure! Yes, we’re bankruptcy attorneys and we can stop a foreclosure by filing bankruptcy but we also have a little secret the banks don’t want you to know about being...
The Decision on Reaffirming Debt While in Bankruptcy
Submitted By: Ron Chini On: Nov 17th 2010
Category: Debt Relief
Reaffirming debt while in bankruptcy results in an agreement between a debtor and a creditor where the debtor excludes the amount owed to that creditor from the final outcome of the bankruptcy. The purpose...
How an Emergency Bankruptcy Can Save Your Assets
Submitted By: Ron Chini On: Nov 17th 2010
Category: Filing for Bankruptcy
Many people who are behind on payments for their vehicles or on their mortgages know that they can’t keep missing payments without their creditors taking action at some point. These actions typically start with creditors’ efforts to collect missing payments with phone calls, letters and other attempts.
Facing Foreclosure? Things You Should Know!
Submitted By: Ron Chini On: Nov 13th 2010
Category: Foreclosure Laws
With so many California homeowners stuck in sticky situations with their lenders it’s important to understand your options in avoiding foreclosure. I’ll skip...