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US Loan Auditors Opens New Workplace in Santa Clara to Aid South Bay Victims of Predatory Lending
Santa Clara, Calif. (PRWEB) June four, 2010
US Loan Auditors, the premier California-primarily based forensic real estate loan auditing firm serving victims of predatory mortgage lending abuse, has opened a new workplace serving the South Bay/Silicon Valley area at 2055 Laurelwood Road, Suite 110 in Santa Clara.

We are excited to bring our services to the South Bay residents that had been victims of loan abuse and predatory lending, said Shane Barker, one particular of the founders of US Loan Auditors. There are several men and women we can assist in the region and we look forward to partnering with the San Jose/Santa Clara community. Weve already joined the CalAsian Chamber of Commerce.

Amazingly, earthquakes are not the greatest threat to the Bay Location. An estimated 47,000-57,000 Selection ARM loans with a value of $ 28 to $ 31 billion are located in the Bay Region. The financial threat is most of the loans are anticipated to be recast in the subsequent two years.

According to data from US Loan Auditors, 19.32 % of all loans originated in the Santa Clara and San Benito Counties between 2004 and 2008 have been so-referred to as Alternative ARM loans that have a history of demonstrated predatory lending and mortgage loan abuse. As of these days, a full 28.36 percent of these loans are now 60 days delinquent or in foreclosure.

The San Francisco Bay Location is a ticking mortgage time bomb, Barker stated. There are a lot of men and women in the South Bay that can really use our support correct now. Weve created fantastic strides helping people in Sacramento. Were really excited to be in a position to help folks in the Bay Location acquire the legal leverage to fight predatory lenders.

US Loan Auditors is not a loan modification firm, but instead they help victims of predatory lending abuse investigate their claims by employing the science of forensic accounting. They combine the principles of finance, law, banking and accounting to go soon after the abusive lenders and recover relief for California property owners.

Hundreds of US Loan Auditors buyers have identified relief from their lenders such as a decreased principal balance on the mortgage, lowering of the interest rate, a decrease in the month-to-month needed payment, stopped creditor harassment and some consumers have been in a position to stop foreclosure proceedings. Of course, the final results may possibly differ and are dependent on the information about an person case.

Greatest of all, homeowners that really feel they have been taken advantage of by a predatory lender can in fact get an initial consultation from US Loan Auditors at their new South Bay workplace for totally no price.

US Loan Auditors is committed to not only assisting home owners fight fraud, they are creating a distinction in their neighborhood via their charitable division called the USLA Care Campaign. If you know of a worthy local trigger, please let the USLA Care Campaign know by e-mailing care(at)usloanauditors(dot)com.

For much more data about US Loan Auditors, or get a cost-free initial consultation for your mortgage loan, please get in touch with (408) 775-7143 or check out them on the internet at http://www.usloanauditors.com.

Media Make contact with: 
Shane Barker 
Telephone: 888-55-AUDIT

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Santa Ana Bankruptcy Lawyer Services $one hundred From Orange County Bankruptcy Attorneys Zhou and Chini
Santa Ana, CA (PRWEB) August 23, 2012
The residents of Southern California know all to effectively about bankruptcy and Santa Ana is no exception. There have been a lot of that have fought via these challenging financial instances, but are nevertheless unable to get a hold on finances. Some can seek the guidance of a Santa Ana bankruptcy lawyer to ease the tension and harassment from debt collectors and threats of wage garnishments. Santa Ana bankruptcy attorneys Zhou and Chini have already been providing support to those men and women in Santa Ana that have caught up in the housing marketplace or job loss. A law firm representative was quoted, We are strongly advertising our $ 100 down stops harassing creditor calls, by advertising the slogan with free consultations for bankruptcy in Santa Ana our goal is to assist those in require of financial relief.

Speaking to a bankruptcy attorney in Santa Ana for totally free is the very first step in locating out what type of bankruptcy an person qualifies for, Chapter 7, Chapter 13 and so on. Just before somebody can file a Chapter 7 bankruptcy in Santa Ana, the person have to take a indicates test which takes earnings, costs, assets, and liabilities into account. As a general rule, when the filers income is below that of the states median revenue, a Chapter 7 bankruptcy in Santa Ana will be permitted. For either a Chapter 7 or a Chapter 13 bankruptcy in Santa Ana, filers can go straight to the court but it is hugely advised to have an knowledgeable Santa Ana bankruptcy lawyer do the bankruptcy court filing. When a customer files a Chapter 7 Bankruptcy in Santa Ana, theres no minimum or maximum amount of debt a single can remove. A Santa Ana bankruptcy lawyer will be capable to tell that person if you qualify to file for Chapter 7 bankruptcy by operating a “signifies test”, as well as informing if all of your debts are dischargeable. What kind of info will a bankruptcy lawyer need to have prior to a particular person files for a Chapter 7 bankruptcy? The individual will want to get collectively a variety of documents, such as: A list of assets and liabilities (typically pulling a credit report assists) earnings and expenses as effectively as other pertinent documentation (W2’s and tax returns are essential).

HARP Refinance plan or the HARP two program came out a few months back , but regrettably a lot of will not qualify. When thats the predicament, there are particular techniques one particular can use to stop a foreclosure an person can cease foreclosure process by filing bankruptcy. By filing a Chapter 13 bankruptcy case an person can catch up on back payments on the residence and bills through a payment strategy worked out with the bankruptcy trustee. The person need to also continue to make timely payments on the house during the bankruptcy case, or the lender petition the court to proceed with the foreclosure sale. The bankruptcy attorneys Zhou and Chini can guide you filing for bankruptcy in Santa Ana.

Some Santa Ana property owners can attempt to negotiate with the lender to get a loan modification. This can permit them to occupy the property and make the payments on the debt far more manageable. Many applications have been designed to help homeowners keep in the properties due to the fact to the existing mortgage crisis. The U.S. Department of Housing and Urban Development gives info on the governments applications to aid home owners negotiate a mortgage modification. A certified Santa Ana attorney can aid with negotiate with a lender to obtain a loan modification. Fees connected with the negotiation process might limit the rewards of the modification received.
The use of a bankruptcy attorney in Santa Ana to help someone in debt is becoming employed much more and far more as consumers discover out the bankruptcy is not some thing to be embarrassed of. The bankruptcy law workplace of Zhou and Chini, have devoted many hours to offer totally free details on the firms internet site and also through social media. The firm believes by offering as much info feasible to the public, it will permit buyers to make sensible choices on monetary decisions, or regardless of whether or not they qualify for bankruptcy. For a lot more details visit

The Santa Ana bankruptcy attorneys utilize Seo expert services to assist in law firm marketing to market the message about the importance of speaking with a bankruptcy lawyer in Santa Ana CA. if somebody is thinking about filing. The firm continues its online presence by providing zero expense bankruptcy details on bankruptcy firms blog and social media pages. This info along with free consultations the firm hopes to attract much more Santa Ana residents seeking for monetary relief. To study far more on the bankruptcy attorney Santa Ana Facebook page pay a visit to, http://www.facebook.com/BankruptcyAttornySantaAna

About the Firm: The Law Office of Zhou & Chini servicing the cities and counties of California. He is a graduate of UCLA and has been practicing law because 1999. Mr. Zhou has a wealth of expertise in bankruptcy, civil litigation, family members law, criminal law and unlawful detainers. Zhou and Chini Law Offices give bankruptcy assistance to Orange County, Los Angeles, Santa Ana and San Diego residents. If you live in San Diego or Orange County and believe you may qualify for a reverse mortgage in Orange County to support handle debts speak with one particular of our specialists. For more details about the bankruptcy law firm please contact the toll cost-free, 888-901-3440 or go to http://bankruptcyattorneyorangecounty.org/





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