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At the Law Offices of Omar Zambrano our mission and goal has always been to keep you in your residence, avoid foreclosure and accomplish your unique objectives. Loan Modification has gotten a negative reputation recently as a few unscrupulous loan modification attorneys, and real estate brokers, were taking money from homeowners and then performing no services. In response these few bad individuals, the State of California made it unlawful for attorneys to accept *upfront* fees for loan modification services.
Unfortunately, these new laws made most reputable attorneys get out of the loan modification business they can’t reliably get paid for their work and it is presently very hard for homeowners to find legal representation in regard to loan modification. The response from the California government officials is that homeowners can just negotiate with their lender on their own and without a proper attorney representing them.
While homeowners in every other state may have an attorney represent them in loan modification, California has essentially taken that option away from California homeowners.
We understand that you only have a short period of time to overcome the real possibility of losing your property to foreclosure and no one out there will help.
Omar Zambrano bankruptcy attorney is an experienced attorney and a real estate broker who can work to represent you within the unfortunate restrictions placed on us and attempt to keep you in your home, but you must consider allowing us to offer all options from filing bankruptcy to negotiating with your lender under bankruptcy protection.