Archive for July, 2009

Debt Settlement – Making Life Simple Again

Wednesday, July 22nd, 2009

Debt can cause more problems than just how to come up with the money to make it go away. It can affect your sleep and your health and cause incredible stress on your family. We can help make life simple and enjoyable again by handling your debt settlement. Not sure how it works? Let’s take a look at how you can begin to get your life back to normal again. Debt is only temporary and with the right team around you, can be eliminated.

Debt settlement simply means that you and your creditors take a look at the total amount you owe and then negotiate a compromise. This allows the creditors to get some of their money and avoid a situation where they might not receive any. More importantly to you it means only paying part of the debt that you owe but the creditors accepting it as if you had paid it in full. They can close the books on your case and you can move on with your life. Sound easy? It can be when you have someone on your side to do the negotiating for you.

Keep in mind that your creditors are multimillion dollar corporations who have attorneys on staff who have extensively trained their employees in debt settlement along with mortgage settlements and home equity line settlements. They have a tremendous advantage over the consumer who calls in and asks how they can settle the amount they owe. The consumer (You) has no idea what is fair, what they might counter offer, or how to even begin or end the process. This is why Shanner Law is here, experts who can represent you and insure that you get the best settlement possible.

Sometimes in life it is time to call in the experts, the people who know how to handle a situation and who can help you get your life back. When it comes to debt settlement, those experts are Shanner Law. Start with a free consultation in person or by phone or email. Debt may have derailed your life, let us help you get it back on track and return your home back to the way it once was. From debt settlement to mortgage settlements, let the professionals step in and represent you against the big corporations and creditors. Imagine how different you will feel knowing that you have the best handling your debt problems for you.

Posted in Debt | 1 Comment »

Mortgage Settlements – Calling in the Cavalry

Tuesday, July 21st, 2009

Sometimes in life it’s simply time to call in the Cavalry to step in and save the day and in this case your home. If you are in need of help when it comes to mortgage settlements, 2nd mortgage debt settlements or home equity line settlements, Shanner Law is ready to ride to the rescue. There is no better feeling when you are in times of trouble to know that you have an expert team arriving just in time to help you and your family.

The headlines are the same in newspapers all over the country. “Families Losing Homes”.  If you are one of those families battling to save your home, you have come to the right place. The mortgage companies who hold the note on your house are experts in mortgages putting you at a tremendous disadvantage when it comes to mortgage settlements, 2nd mortgage debt settlements or home equity line settlements. They have years of experience in these types of negotiations, the best lawyers in the country and tax payer dollars behind them in the form of the bailout package. What chance could you possibly have against these types of odds? Let us show you how we can improve those chances tremendously.

Shanner Law knows mortgage settlements and how to negotiate with your lender on your behalf. We know the questions to ask. We know the information to give them and just as importantly what not to give them. Our expert team will roll up its sleeves and go to work for you in 2nd mortgage debt settlements and home equity line settlements. If you are having problems paying your mortgage and are worried about the possibility of foreclosure and being forced out of your own home, take the first step and set up a free consultation. We’ll answer your questions and give you our best advice face to face or by phone or email if you prefer. In our talks with you we will gather the facts of your situation, and then just like putting the pieces of a puzzle together, look at the big picture on getting you and your life back to normal.

Mortgage settlements can seem like a huge mountain that is just too big to climb but with our expert team, you’ll learn how it feels when you are calling the shots. Take control of your mortgage problems including 2nd mortgage debt settlements and home equity line settlements today.

Posted in Mortgage | 1 Comment »

San Diego Debt Relief – Get Out of Debt

Saturday, July 18th, 2009

California has been one of the worst hits of this economic tumble.  The concept of debt is what the entire financial system of the country is founded on.  Sad, isn’t it?  But it makes sense: in order to develop credit, we must take out loans, spend money that does not belong to us and eventually hope to pay off that loan.  The American mindset is sadly twisted into a thinking that resembles “buy now, pay later.”  This only works if we have proper funds to pay back credit card purchases, loans and mortgages.  Unfortunately, along with this frame of mind, Americans are also into living beyond their means.  Get control of your life again.  The time is now to look into San Diego debt relief.

Do not lose hope!  It is a very rare thing to be in a situation that is impossible to get out of.  Sure, it will take hard work and time, but reaching the finish line and getting life back in order will make it all worth it.  We must learn financial discipline if we are to make the most of San Diego debt relief options.  If we get out of debt only to fall right back into it, what’s the point?  We must learn to budget, improve account management skills and take instant responsibility for the money we spend.

Despite common beliefs about debt settlement, the people we owe money to are not out to get us.  They would much rather meet with us and reach a reasonable agreement where both parties can benefit because, honestly, each party has a reputation to uphold.  Bad things get said about lenders who send people deep into inescapable debt, and they want to avoid such talk if they can help it.  In other words, we need not suffer trying to make an impossible payment when our pride is the only thing keeping us from discussing possible deals with a lender.  San Diego debt relief settlement options are available to us today!

Remember, bankruptcy is not the first option for achieving debt relief.  In fact, it should be seen as a last resort.  We should try to get advice about effective credit management and debt settlement options before making the decision to file for bankruptcy.  When it is the only option left, many of us have to take it.  Remember we are not alone in our San Diego debt relief efforts.  Many people are going through it with us, and likewise many companies are out there to help us.

Posted in Debt | 38 Comments »

San Diego Attorney – How Do We Choose One?

Friday, July 17th, 2009

During this unfortunate economic climate, many more people are forced to file for bankruptcy than only a few years ago.  There are different means by which we can do this.  Different situations call for different filing methods.  We are not expected to come up with this on our own, fortunately.  For individuals living in California filing bankruptcy is sadly getting more and more common.  Hiring a San Diego attorney that specializes in bankruptcy can be your best option if you find yourself in a financial choke hold.

The state economy of California specifically is largely the cause for the extreme rise in bankruptcy in recent years.  This in combination with the 1990s idea that it was fashionable to live outside our means has made for a catastrophic combination.  Many of us received a sharp slap in the face once the economy plummeted after the booming economy of the 90s.  Now is the time to make the necessary repairs to get out of debt and increase credit scores to what they once were.  Bankruptcy “chapters” exist to simplify the process.  Chapters 7 and 13 are the most valid for individual situations.  This is really simply for our consideration, as a San Diego attorney would know all about this and be able to assist us in choosing the right method to file.

When considering a San Diego attorney, we can narrow our search to focus on ones that have specific knowledge and experience working in either chapter 7 or 13, assuming the file is for an individual situation.  (Corporation filings tend to fall under chapter 7 or 11.)  To narrow the search even more, we should conduct our own personal background checks.  What are their licensing statuses and qualifications?  How long have they been practicing law?  An experienced lawyer who is not only confident in our personal case but also in himself will make the best lawyer.  Each one of us should take advantage of a free consultation.  This will help us feel less pressured as we make the decision of which San Diego attorney may be best for us.

The last important thing we should have on the forefront of our minds is to be aware of San Diego attorney’s fees, upfront and court costs.  Filing bankruptcy is a stressful process, and unforeseen fees only add to the anxiety.  We all know making this decision takes plenty of consideration and careful choosing, but hopefully these tips come in handy for choosing the best way to file for bankruptcy in San Diego.

Posted in Attorney | 21 Comments »

San Diego Legal Advice – Filing Bankruptcy

Thursday, July 16th, 2009

There are many reasons to seek useful legal advice in San Diego, California.  Everything from divorce advice and child support to finances and job loss requires specific attention because every case is different.  There are basic points that are generally the same from case to case, however, and I am here to share these financial tips with you regarding bankruptcy.  San Diego legal advice can be found in many forms, but what you need to consider most heavily is advice from an unbiased source.

We all know times are tough right now, especially for California residents who are getting hit the hardest during this economic recession.  Bills are getting harder to pay and debt continues to increase.  Filing bankruptcy can be good San Diego legal advice because it is a way to discharge your debts completely, giving you a fresh start financially.  However, the advice goes further than this.  A Chapter 7 Bankruptcy should be a last resort because it can only be filed every eight years, and once the decision is made to make that file, it remains as part of your credit history for the seven to ten years.

Before you file, be aware of a few things.  What is the compilation of your monthly expenses?  This includes rent, telephone bills, medical payments and anything else you pay monthly to provide for your family.  This amount must come to more than your monthly net income to legally file for bankruptcy under a Chapter 7.  The second portion of San Diego legal advice concerning bankruptcy I can give you is that your assets, which are a collection of all the property you own, should be worth less than your liabilities, or debts that you currently owe.  These parts will all be listed on your bankruptcy petition.

During your bankruptcy proceedings, all the creditors you list will be forced to stop their collecting procedures.  Meetings with creditors and bankruptcy trustees will take place about a month after the filing.  Important decisions will be made about any non-exempt property you may have available for the benefit of your creditors.  60 days later, your bankruptcy will be granted if none of your creditors appear to make objections.  While these proceedings are general and the circumstances may vary from case to case, San Diego legal advice centers on the idea that bankruptcy is a serious decision that it must be done legally and with proper legal councel to avoid further complications.  Soon you will be back in control of your own finances.

Posted in Bankruptcy | 19 Comments »

San Diego Foreclosures – How to Avoid It

Wednesday, July 15th, 2009

There is nothing quite as devastating as losing a home to foreclosure.  There are ways to avoid it, though, that we should all be aware of.  San Diego foreclosures are growing more and more common, and now is the time to see what can be done to stop it.  If you can try to sell your home and move to another more affordable place to live that would be the best option.  This is not a failsafe way to stop foreclosure, however, because it is not uncommon that selling the home will not be able to result in enough profit to cover the remaining mortgage.  Lending institutions are not eager to foreclose on homes because it is a costly, time consuming and usually it is their last ditch effort to minimize their losses.

Next consider contacting a housing counseling agency.  The US Department of Housing and Urban Development keeps a current list of HUD-approved agencies that are here to help counsel us with issues concerning our San Diego foreclosures.  If our situation allows it, sometimes we can qualify for an FHA insurance fund.  With this qualification, HUD makes a one-time payment which brings the mortgage payments current again, a huge blessing for those of us who really need it.

Also, before you take the leap into foreclosure, see if you can refinance your home and get under a different mortgage payment program.  Loan officers can meet with us and discuss more affordable plans.  Another great option to look into concerning San Diego foreclosures is something called special forbearance.  Many of us may qualify for a new payment structure if we have increased out cost-of-living with something like unforeseen medical expenses or an income decrease.  This sets up a reasonable timeframe to get payments made because lenders understand that life happens to all of us, whether we expect it or not.

Sometimes foreclosure simply cannot be prevented.  In this case it is important for us to understand what happens next.  The process of San Diego foreclosures is dictated by California laws which result in about a four-month process that takes place out-of-court.   Since San Diego foreclosures can take place outside of court, lenders can sell a foreclosed property in Sand Diego immediately following the foreclosure process.  This is because the lenders are not required to get a deficiency judgment against the defaulting borrower.

Posted in Foreclosure | 13 Comments »

San Diego Bankruptcy – How it Relates to a Credit Score

Wednesday, July 15th, 2009

Filing for bankruptcy in California has seen a rise in recent years with the collapse of the economy.  San Diego bankruptcy is a prevalent cause for bad credit because the two are directly linked together.  Credit is a fickle friend, one which gets us into trouble in the first place and is used to try to get us out again.  The ever-present pressure we face every day of trying to keep our credit scores high is enough to make most people grow a few gray hairs.  The difference in a few numbers of the credit scale can make the difference between getting a loan and being denied.  Filing for bankruptcy causes a credit score to plummet, so it should be a last resort.

When we file for bankruptcy, several things happen.  First is our acknowledgement that we can no longer make necessary payments on our own.  We must be relieved from paying unsecured debts, but relief that comes from filing a San Diego bankruptcy comes at a price.  From this time on interest rates on credit cards and loans will increase, obviously a negative side effect of having our debts relieved.

We sometimes must opt for filing San Diego bankruptcy because it is the only option left for us.  It is not the end of the world, though!  While filing bankruptcy initially causes a great depletion of credit scores, over time if we stick with making regular payments on a high interest rate credit card, the credit score can make a strong comeback.  This process does take years, but eventually it will rise to the level it once was.  If the ultimate goal is to restore credit ratings, the work will be well worth it!

Everyone needs to understand the process behind San Diego bankruptcy and its pervasiveness in society today.  Many people may think the instant debt is too high that bankruptcy is the only option.  There are steps we can all take to avoid bankruptcy, but if it comes down to it and we must file bankruptcy, we can rest with the knowledge that things can only go up from there.  With a bit of hard work and dedication to self control and good financing, we can back on our financial feet once again!

Posted in Bankruptcy | 1 Comment »