Julia Kefalinos will help determine if a Chapter 7 or Chapter 13 bankruptcy is the right option for you and when is the right time to file.
Are you facing serious financial difficulties due to todays economic crisis. Are you desparately trying to pay back your debts because thats how you were raised--to beleive that when you borrow money you are a bad person if you dont pay it back?
Creditors make it almost impossible to recover. One late credit card payment and BOOM!-interest rates jump to 28+ percent, collectors make lives miserable with their constant phonecalls, nasty tactics, lawsuits, threats of garnishment, foreclosure, repossession, etc. and you begin to sell assets that can be saved in bankruptcy to pay them.
The decision to file bankruptcy is difficult. personal and can require some planning to protect your home, cars, bank accounts, 401k plans and many other assets.
IN TIMES LIKE THESE, IT IS OK TO THROW IN THE TOWEL JUST ASK YOURSELF WHY BANKRUPTCY FILINGS ARE AT AN ALL TIME HIGH.
Drowning in debt? Julia Kefalinos will help you decide if a Bankruptcy will give you a fresh start. In most cases she can eliminate debt while letting you keep homes, cars, retirement plans and many other protected assets.
Listen to a short video from Julia Kefalinos about bankruptcy.
Don't wait until all your assets are gone. Get educated at your free consultation with Julia Kefalinos. Contact Julia Kefalinos Now...
FORECLOSURE DEFENSE and LOAN MODIFICATIONS must begin with a complete loan analysis not empty promises. Anyone can call the bank and prepare packages with hardship letters, tax returns and bank statements...
Julia Kefalinos will take you back to the day you closed on your house. She will show you how greedy mortgage brokers and lenders took advantage of unsuspecting borrowers by failing to follow laws designed to protect them from predatory lending. Then she will use this information to modify or resind your loan; or defend your foreclosure. read more...
Charged with Mortgage Fraud...
Julia Kefalinos extensive criminal defense background and knowledge of loans can give
you an advantage in defending your case.
What is Mortgage Fraud?
The legal definition of mortgage fraud as "any material misstatement, misrepresentation or omission relied upon by an underwriter or lender to fund, purchase or insure a loan."
Translation: If you lie on your real estate loan application, it's mortgage fraud. Even little lies constitute mortgage fraud. But many borrowers play with loan application numbers here and there, because they didn't know any better or, because a real estate professional suggested it's no big deal or because a broker or lender changed numbers intentionally to close a deal.