How a Pre-Foreclosure Attorney in Pomona Can Help

A pre-foreclosure attorney steps in during the window between your first missed mortgage payment and the trustee’s sale — the period when you still have the most options. In California, that window is defined by statute, and every option narrows as it closes. Acting in month two is very different from acting in month six.

The California pre-foreclosure timeline

Most California foreclosures are non-judicial, meaning they happen outside court. The sequence is: you fall behind, the lender records a Notice of Default, a statutory waiting period runs, then a Notice of Trustee’s Sale is recorded and the sale is scheduled. Because it is non-judicial, no judge reviews it and nobody serves you with a lawsuit — the first formal warning is a recorded document. That is why people are often surprised by how fast it moves.

What an attorney can actually do at this stage

• Reinstatement. California law gives you a right to cure the default by paying arrears plus fees up to a set point before the sale. An attorney calculates the real reinstatement figure and holds the servicer to it.
• Loan modification. Reviewing what the servicer offered, and whether they complied with California’s restrictions on running a modification review and a foreclosure at the same time.
• Chapter 13 bankruptcy. The automatic stay stops a scheduled trustee’s sale on filing, and Chapter 13 lets you cure mortgage arrears over a three-to-five-year plan without needing the lender’s agreement.
• Chapter 7 bankruptcy. Does not save the house long term, but the automatic stay buys time and discharges other debt so the mortgage becomes affordable again.
• Short sale or deed in lieu. When keeping the home is not realistic, negotiating an exit that limits the damage.

The single most important point

Once the trustee’s sale happens, nearly all of the above disappears. Bankruptcy filed the day before a sale can stop it; bankruptcy filed the day after usually cannot undo it. If a Notice of Default has been recorded against your property, that is the moment to get advice — not after the sale date is set.

Be careful who you call

Foreclosure attracts scams. In California it is illegal for a foreclosure consultant to collect an advance fee before performing the promised services. If someone asks for money up front to “stop your foreclosure,” or asks you to transfer title, stop and speak to a licensed attorney.

Speak to the Pomona office

Hedtke Law Group has an office in Pomona serving Pomona, Walnut, Montclair, San Dimas, Diamond Bar and La Verne.

Hedtke Law Group — Pomona
301 W Mission Blvd, Pomona, CA 91766
Phone: (909) 736-3111
Website: pomonabankruptcy.com

Facing foreclosure in the Inland Empire instead? Our Fontana foreclosure attorney office serves Fontana, Rialto, Colton, Bloomington and Jurupa Valley.