GO ABOVE AND BEYOND
The way we practice law is guided by our view of the attorney-client relationship. Our clients get legal representation which is uniquely prepared for them and their needs.
Our clients get personal attention and are fully informed, understand their options and make choices which are the best for them considering their situation.
Legal advice needs to be personal and based on your past, current or future situation. Although this page provides information, little factors can make a big difference. Please do not consider this page or any other on this website to be considered complete legal advice and a tool to represent yourself.
SIT BACK AND
HAVE A COFFEE
we have it all covered
& CREDIT REPAIR
Federal law gives people options with debt problems with the right to file bankruptcy. Deciding whether and when to file bankruptcy is a personal choice, however it may be the right choice if you have no better way to deal with your debts.
WHAT CAN BANKRUPTCY DO?
Eliminate your responsibility and legal obligation for most debts and provide you the opportunity to get a "fresh start."
Stop foreclosure on your home and allow you an opportunity to catch up on missed payments with a Chapter 13 Plan.
Prevent repossession of your car, seizure of your bank account funds, debt collector harassments, wage garnishment, utility termination.
In some cases, lower the monthly payments of some debts (ex: monthly car payment)
Allow you the chance to fight claims by creditors who are trying to collect more than they are legally entitled to.
We can provide you advice when you are having trouble making your mortgage payment and your Loss Mitigation options including loan modification, short sale or deed in lieu of foreclosure & "cash-for-keys."
If a lender has not agreed to a workout agreement or loan modification, contact us to discuss your options. You are not powerless when faced with foreclosure. Contact us today to discuss what we can do.
DELAYING THE FORECLOSURE PROCESS
Procedural defenses may delay the process by contesting the foreclosure in state court. Lender errors can benefit you. Some examples are: failure to give you proper notices & failure to sue the proper parties.
Your mortgage servicer's past acceptance of late or partial payments.
Requesting more time through the Court's 3408 Settlement Conferences.
Filing a Chapter 7 and/or Chapter 13 Bankruptcy.
PROPERTY SALES & PURCHASES
There is a significant amount of paperwork involved in real estate transactions, and it can be easy to lose track of everything you need to take care of.
For your convenience, our real estate lawyer has compiled a list of important documents and “to do” checklists for both the buying and selling end of a property sale. By following these guides you can have a clear idea of what to do next when making this important decision.These references alone, however, are not enough to protect your interests.
Enlist the services of the Law Offices of Serrano & Associates, P.C., so that you have an experienced legal advocate reviewing contracts and working the deal to your benefit.
WHAT DOES A REAL ESTATE ATTORNEY HELP YOU WITH?
reviewing and negotiating the contract
reviewing & verifying loan and title commitments and that the charges are correct and fair
attending the closing
handling title and closing documents
confirming the title company completed its job after closing
and addressing any of the seller or buyer’s questions and concerns
Understanding how a credit report works and how it affects your life is important in order for you to make the right choices when dealing with debts.
In school, we never learn the essential tools to navigate through our credit report. That is where we come in. We can guide you through understanding and repairing your credit report.
If you are being sued, we may be able to help. You have a right to raise legal defenses. However, if you fail to respond to a lawsuit or fail to show up in court, you may lose by default.
Contact us to defend legal challenges you are currently facing or may potentially face.