Foreclosure Helping You Live a Debt Free Life

San Bernardino Foreclosure Attorneys

Protecting Your Home & Your Rights

Though bad experiences can be isolating, it’s important to know that foreclosure can threaten anyone. Foreclosure can typically become an option for banks after you, the homeowner, fall behind on your mortgage payments. The moment you begin facing the first steps of foreclosure, it’s crucial that you hire an attorney to help you consider your options. Our San Bernardino foreclosure attorneys have experience helping clients during difficult times and can assess your situation in a one-on-one consultation. If you’re out of options such as a loan forbearance, we may recommend bankruptcy as a way for you to save your home or buy you time to pay off your debt. You can trust the accomplished, caring team at SM Law Group, APC to lift you out of a tough situation.

Our team has years of experience helping homeowners protect what’s rightfully theirs. Call us today for effective representation at (818) 805-1758, or contact us online.

What is Foreclosure?

Foreclosure is a process that begins when a homeowner stops making mortgage payments, and occurs when a lender goes through steps to sell a home at auction. The proceeds from the auction will then be applied to the mortgage balance. Lenders typically begin foreclosure after homeowners have missed three or four payments.

How Bankruptcy Can Help

While many people associate bankruptcy with hitting rock bottom, it can be a viable option for those who want to save their homes from foreclosure. Most individuals file for Chapter 7 or Chapter 13 bankruptcy. Whichever one you select, the court will then issue an order for relief, which commands creditors to stop seeking collections.

If you file for Chapter 7 bankruptcy, which eliminates all debt through the liquidation of assets, your home’s sale will be postponed three to four months. However, one risk is that lenders can ask the court to proceed with the sale. For many people, Chapter 13 is the only way to hold onto homes. Because Chapter 13 reorganizes debt, individuals will be allowed to pay off their mortgage through a repayment plan, which can help avoid foreclosure.

Chapter 13 can also help you eliminate payments on second or third mortgages in that bankruptcy courts can categorize mortgages as unsecured debt. Unsecured debt is known to take last priority over all other debts, and debtors usually don’t have to pay it back.

If you’re concerned about the future of your finances and your home, a bankruptcy filing may be your best bet. To only way to determine this is to call and meet with one of our dedicated attorneys who can learn more about you and your needs.

Our San Bernardino foreclosure lawyers are available when you call us today at (818) 805-1758. We offer payment plans for client convenience.

Get a Fresh Start & Wipe Away All Your Debt

See Our Winning Case Results
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual Chapter 13 Over $75k in Mortgage Arrears Reorganized
  • Small Business Chapter 7 Over $2 Million Debt Discharged
  • Individual Chapter 7 Over $1 Million Debt Discharged
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Client Reviews

Hear From The People We've Helped
  • I would recommend them to anyone.

    “Very professional. Even when the defending insurance company tried to drag out the procedure and lowball the payment, the attorneys at SM would always push forward in order to get me the highest ...”

    - Joshua N.
  • Great working with you guys!!

    “I'll contact you guys again if I need help with anything else. Much appreciated all the help from everyone at your office. Thanks!”

    - Hermes P.
  • They were awesome and spent time with me over the phone and answered my questions.

    “I had some legal questions and I gave them a call. They were awesome and spent time with me over the phone and answered my questions. With all this Covid stuff I didn't need to even go into their ...”

    - Shawn M.
  • I can finally say that someone helped me get justice.

    “John as helped me with multiple matters. I can confidently say that he was the easiest and best lawyer I could of asked for. He is a professional when it comes to maximizing settlements and getting ...”

    - Eddie S.
  • I was extremely happy and satisfied with my settlement and outcome of my case.

    “My personal injury attorney was Kian Mottahedeh. He was extremely professional, and he was always available whenever I had a question or concern. Both of his legal assistants, Esmeralda and Genesis, ...”

    - Dan N.
  • Thank you, Kian, for your professionalism and expertise!

    “During the most difficult time SM Law walked me through every step and got me an amazing settlement. Thank you, Kian for your professionalism and expertise! I highly recommend SM Law!”

    - Nathan N.
  • The absolute best when it comes to handling bankruptcy!

    “They do not pass any judgment upon you - they are simply there to help. I found them to be honest, reliable and timely. The support staff is extremely friendly and very informative. The lawyers have ...”

    - Anna G.
  • John and the representative who met me at the courthouse were very thorough and guided me every step of the process.

    “Thank you John Sarai and the rest of SM Law Group for helping me file my Bankruptcy Chapter 7 case. It was a smooth process. John and the representative who met me at the courthouse were very thorough ...”

    - Evitha B.
  • They made a very stressful situation much easier for me.

    “SM law group handled my bankruptcy case and I was very satisfied with their service. They made a very stressful situation much easier for me. They explained everything to me and it was fast and ...”

    - Lenny DcComics
  • I have never experienced more professional care. My phone calls and emails were answered within 5 minutes!

    “Absolutely outstanding experience! Kian Mottahedeh was my attorney. I have never experienced more professional care. My phone calls and emails were answered within 5 minutes every single time. Kian is ...”

    - Lenka Wallace
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In The News

Recent Feature in The Los Angeles Daily Journal

Learn more about the work that is captured in the news. Our team is recognized in our community and among our peers for our tireless devotion to clients facing bankruptcy and personal injury-related matters.

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