“The Pre-Default Legal Intervention Program”

Question: Can an attorney negotiate with your lender BEFORE you damage your credit?

Answer: Sometimes, yes.

California’s homeowner protection laws create significant delays and costs for lenders pursuing foreclosure, often $75,000-$150,000+ and 12-18 months.

As a real estate attorney, I can present this economic reality directly to your servicer’s legal and risk management departments.

Some of these people with authority beyond the standard “loss mitigation” script.

The goal: Negotiate a loan modification, principal reduction, or alternative solution WITHOUT going delinquent first.

Why this requires an attorney:

• Only attorneys are licensed to communicate with servicers on legal matters
• Only attorneys can leverage all of California’s legal protections as negotiating tools
• Only attorneys can protect you under attorney-client privilege
• For those of you who do not wish to share your asset picture with your lender perhaps because you don’t have a hardship a traditional short sale is not going to work for you because you are supposed to show a hardship.

This strategy doesn’t always work, but when it does, you avoid credit damage entirely.

Is your situation a fit? Free 20-45 minute assessment.