Foreclosure Attorney In Fontana
End Foreclosure and Repossession – Work with a Fontana Bankruptcy Lawyer
In danger of losing your house or your vehicle? We can intervene quickly, even if the lender has already started proceedings to repossess. Do not wait until it’s too late. The Hedtke Law Firm offers a FREE consultation serving clients in fontana and its neighbourhoods locations such as North Fontana, Southridge Village, Downtown Fontana, Sierra Lakes, Hunter’s Ridge, Crestmore, Jurupa Valley, Glen Avon, Mira Loma, Downtown railto,
Act Now To Stop Home Foreclosure
In almost all cases, as soon as you file for bankruptcy an automatic stay is entered. Pending foreclosure and seizure actions stop, even if a sheriff’s sale has already been set. To protect your home, you will be required to pay the monthly mortgage payments that come due after filing.
- In Chapter 13, your mortgage arrears may be repaid over a period of time as long as five years.
- In a Chapter 7, if you want to keep your home, you would have to make sure your equity does not exceed the exemptible limits.
The Hedtke Law Firm as your affordable bankruptcy attorney we will crunch the numbers and sit down with you to help you decide if you can realistically afford to keep your home. (If not, we can discuss your options to surrender or sell the property.) Call the Fontana office at: 909-457-0054
Stop Vehicle Repossession
Chapter 13 bankruptcy may be the best solution for saving your car or truck. Repossession protects against repossession as long as you continue paying for the vehicle or pay the vehicle in your Chapter 13 Plan.
(1) You continue making the original payments until the vehicle is paid off, with any arrears included in your Chapter 13 or you can sometimes pay only the present value of the vehicle at a reduced interest rate through your Chapter 13 Plan.
(2) The “cram down” law applies if you have owned the vehicle for 910 days (2 1/2 years) or more. You would be required to pay only the current retail replacement value of the vehicle, instead of the full balance of the debt, quite possibly saving you thousands of dollars. Additionally, in most cases, the interest rate can be lowered.
Did you know? California severely restricts “self-help” repossession. The lender or car dealer cannot hire a “repo man” to take your car in the dead of night without first complying with California’s very restrictive self-help law or one of the other methods of legally taking your vehicle.
Regardless of the method, we usually can get your vehicle back to you by filing a Chapter 13. It is important you consult with us as soon as possible after the seizure.
If you fail to make mortgage payments on a home in California, your lender will likely notify you that it is foreclosing on the property. A lender must notify you of the intent to foreclose via mail and provide a minimum of 20 days for you to pay the default amount on the loan. If you do not respond, or the matter is not resolved, the lender will send a second letter stating that the full amount of the loan is due and a sale of the property has been scheduled to cover the balance.
Hedtke Law firm, in Fontana helps many individuals and families stop Foreclosure and remain in their home by filing bankruptcy. Often, this is accomplished by filing Chapter 13 bankruptcy, which enacts an “automatic stay” that prevents a lender from selling your home. It is necessary in Chapter 13 bankruptcy to have an income steady enough to resume making monthly mortgage payments and catch up on missed payments over a three- to five-year period.
It is less common for individuals or families to remain in their home when filing for Chapter 7 bankruptcy. Although California bankruptcy exemption laws allow a homeowner to keep 100 percent of the equity in a home (with some limitations on size of the home), unless you can pay the missed payments and remain current on the mortgage going forward, the lender still can, and likely will, foreclose.
We Help You Achieve Your Objectives
I am attorney Neil Hedtke, and my commitment to each of my clients means taking the time upfront to fully understand your objectives. You will work directly with me from the initial consultation through the resolution of the case. I will take the time to explain every option as well as its short- and long-term consequences.
I will do everything I can to help you save your home. If that is not possible, however, I will tell you as much and lay out alternative solutions. Surprises are the last thing you need as you reset your financial life.
Contact the firm to meet with an experienced and knowledgeable bankruptcy lawyer. You can get answers to your questions during a free consultation as well as recommendations on the best steps to take. Call the Fontana office at: 909-457-0054
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
To schedule a free consultation, please call Hedtke Law Firm Fontana office at: 909-457-0054
What Our Client Says
Sandra Reveles2025-03-20Trustindex verifies that the original source of the review is Google. They were so helpful! Easy process and so helpful definitely recommend 10 out of 10! Armando Payares2025-01-15Trustindex verifies that the original source of the review is Google. I highly recommend this Law firm , easy to work with and very reasonable. Very happy with the results. Gary Podlasek2025-01-08Trustindex verifies that the original source of the review is Google. Hedtke Law made my chapter 7 bankruptcy a breeze. Neil informed me of all my options before filling for chapter 7. After coming to the conclusion chapter 7 was my best option he explained the whole process answered all my questions promptly. He eliminated the stressful process by handling all the court paper work and informing me of everything I needed to do. Highly recommend this firm! Claudia Rood2025-01-05Trustindex verifies that the original source of the review is Google. Hedtke Law group and Neil Hedtke helped us through the mess of a bankruptcy. They answered any questions and explained each step. They got things done in a timely matter. And were just approved! jesse martinez2024-12-31Trustindex verifies that the original source of the review is Google. Niel and his team were detailed and helpful throughout the whole process. They were very responsive and I have recommended to multiple friends. Anthony Audelo2024-12-31Trustindex verifies that the original source of the review is Google. I couldn’t ask for anything more. Neil thank you very much for doing such a great job. He had me at ease during the whole process. He guided me through the process and finally relieved and starting fresh! Anthony Esquibel2024-12-13Trustindex verifies that the original source of the review is Google. Hedtke Law did a great job on my case it was very easy and it went smooth Ricky Nunez (Team Nunez)2024-12-06Trustindex verifies that the original source of the review is Google. Simple and Easy Process, my case was handled rapidly.. Thank you Hedtke Law Firm Ivan Aguilar2024-11-20Trustindex verifies that the original source of the review is Google. Extremely helpful and friendly. Absolutely recommended. Made the whole process really easy to comprehend. Eric Halsey2024-11-18Trustindex verifies that the original source of the review is Google. I was going through a tough time when Neil and his legal team handled my bankruptcy case. It was resolved much quicker than I thought possible. I definitely recommend him and will turn to him for any future legal needs!Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
AREAS WE SERVE
Bloomington
Colton
Crestmore
Jurupa Valley
Glen Avon
Mira Loma
Downtown Rialto
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