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Sonoma county Foreclosure

Foreclosure and Defense in Sonoma County

Stop Foreclosure & Keep Your Home

The Law Office of Kent Bulloch has been helping valued clientele with foreclosures for over 30 years. Attorney Kent Bulloch will work diligently with clients dealing with foreclosure situations to explain their options and, if applicable, help them through the bankruptcy process. You have options to keep your home. Those options differ based upon where in the foreclosure process the property is as well as the amount of arrearages owed. Talking to a competent attorney as soon as possible preserves those options.

As soon as a foreclosure starts, via the filing of a Notice of Default, the clock is set on a 120 day countdown. Foreclosure Trustees and lenders will continue to proceed towards auction. You need to take action to protect your home.

What Your Foreclosure Options Are:

  • Repayment:
    Chapter 13 is a debt repayment and reorganization. The 3-5 year repayment period will allow people to catch up on debts and stay in their homes.

    Remove the 2nd mortgage or junior liens:
    If there is no longer adequate value in the property to secure both mortgages or because the first mortgage has first claim to the home’s equity, a second or third mortgage is then unsecured and can then be discharged through bankruptcy, like credit card and medical expense debts.

    Automatic stay:
    Once your case is filed, whether you file a Chapter 7 or Chapter 13 bankruptcy, collectors are legally prohibited to continue collections activities against you. This provides time for repayment, allowing you to keep your home.

    Negotiation:
    In our current economy, a lot of lenders are willing to work with debtors more now than ever. While our office is unable to negotiate loan modifications, bankruptcy can slow down a foreclosure process in an effort to, or your agent, time to work out loan modification options.

Kent Bulloch can Help Stop your Foreclosure

Attorney Kent Bulloch, can help clients stop foreclosure and recognize the benefits associated with bankruptcy every day. Bankruptcy will aid people facing problems such as a drop in their income due to unemployment or an injury/accident, large credit card debt with high interest rates, excessive medical bills , foreclosure , wage garnishments from lawsuit judgments or IRS/state tax debt. Filing bankruptcy could actually help those who are having to deal with a small business on the verge of collapsing. If any of these circumstances relate to you , we are here to help. A lot of successful people and companies have filed for bankruptcy. There is no reason to feel embarrassed or guilty about filing bankruptcy. Our office is a judgment free zone. Our objective is always to help you get relief from your debts and be able to move forward in life debt free.

Schedule a Consultation with the Law Offices of Kent Bulloch

The Law Offices of Kent Bulloch serves Sonoma County residents and our offices are located in Santa Rosa, California. We are proud to provide outstanding representation to our clients, and we work hard to ensure that each individual that retains our services is confident in our ability to represent them. Our firm offers reasonable fees and is available most evenings and nights via telephone. If you are interested in learning more about your situation, or how a Sonoma County lawyer can help you, contact the Law Offices of Kent Bulloch today and schedule a consultation.