Surf City USA Lawyers Supports Orange County Bar Association’s Somebody Cares Soup Kitchen Donation Drive


Huntington Beach, CA (PRWEB) June 28, 2013

As a component of their continued efforts to support their local neighborhood, attorneys of Surf City Lawyers, situated in Huntington Beach, gathered meals items and delivered them to Someone Cares Soup Kitchen today. “We comprehend that so many households are experiencing challenging times due to the current economy and we want to do our part to supply aid and hope,” says bankruptcy lawyer Christine Wilton.

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Surf City Lawyers looks forward to participating every month, with nearby charitable organizations because “we are grateful to have a productive law practice group in Huntington Beach, which makes it possible for us to give neighborhood outreach and assistance,” says lawyer Anna Serrambana. Charities hunting to be spotlighted by the firm need to speak to the firm’s administrator, Berta Wiegmann at: berta(at)a-rlawgroup.com

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Attorneys Christine A. Wilton and Anna Serrambana are partners of Surf City Lawyers and members of the Orange County Bar Association. Members are encouraged to donate significantly-necessary meals things to Someone Cares Soup Kitchen, a nonprofit hunger relief program that serves 300-350 meals per day to the disadvantaged in Orange County. You can donate items straight at the Soup Kitchen, 720 W 19th Street in Costa Mesa.

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An individual Cares Soup Kitchen (Soup Kitchen) provides a everyday nutritional meal to homeless, unemployed, working poor families, senior citizens, the unemployed or under-employed, the mentally and physically challenged and most crucial . the children. We think that no one need to go to bed hungry on the street or otherwise. As a result, the Soup Kitchen supplies meals seven days per week. Meals are served Monday through Friday from 12:00 p.m. to three:00 p.m., and a breakfast is provided each Saturday and Sunday morning from 9:00 a.m. to 11:00 am.

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About Surf City Lawyers

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We are a community of Huntington Beach lawyers, Christine A. Wilton and Anna Serrambana who have joined forces for the benefit of their clients and their neighborhood. They perform and live in Huntington Beach, California and practice what their grandmothers have taught them. Practice areas contain Estate Organizing, Business Law, Consumer Bankruptcy Debt Relief and Student Loan Law.

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Orange County Mashney Law Offices Adds Associate Attorneys Vahe Tchoukadarian and Vasiliki “Vassoula” Awadalla

Anaheim, CA (PRWEB) September 12, 2010

The Anaheim Law Firm of Mashney Law Offices is pleased to announce the addition of attorneys Vahe Tchoukadarian and Vasiliki Awadalla as Associates Attorneys.

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Vahe Tchoukadarian received his Juris Doctor degree from Southwestern Law College in Los Angeles, California. His preferred course of study was criminal law and procedure. During law college, Vahe worked as a law clerk for the Los Angeles County District Attorneys Office. Vahe has worked for a lot of law enforcement agencies in California such as the Los Angeles County Sheriffs Division, University of California Police Department and California Department of Corrections and Rehabilitation. At Mashney Law Offices, Vahe handles Real Estate matters, Criminal Defense and Consumer Bankruptcy.

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Vasiliki Awadalla is a Civil Litigation and Individual Injury associate at Mashney Law Offices where she handles a range of instances ranging from complicated individual injury matters to employment and labor law matters. Because finishing her legal education, Vassoula has been admitted to practice law just before the California and Federal Bar. She began her legal profession practicing in the places of Household Law and Consumer Bankruptcy.

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Mashney Law Offices has grown to a multi-faceted, seven-attorneys law firm managing circumstances in numerous California and Federal courts, encompassing healthcare malpractice, private injury, automobile accidents, critical accidents, wrongful death, drowning, sexual harassment, dog bites, bedbugs bites, products’ liability, workers’ compensation, civil litigation, criminal defense, DUI and DMV, bankruptcy, loan modification, actual estate, immigration, naturalization, household law, dissolution, custody, assistance, estate arranging, taxation, wills and trusts.

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To discover a lot more about Mashney Law Offices or to schedule a free of charge consultation, please call toll free at 800-555-6655 or log on to http://www.MashneyLaw.com

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Contact: &#13

Stephen B. Mashney, Esq., President&#13

Mashney Law Offices&#13

335 North Brookhurst St., Anaheim, CA 92801&#13

800-555-6655 Telephone&#13

714-535-7263 Fax&#13

Trust(at)MashneyLaw(dot)com

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Brookstone Law Fights For Orange County Law Enforcement Professionals Who Fight For Us


Newport Beach, CA (PRWEB) January 3, 2011

The work of law enforcement specialists at times requires serving eviction notices to foreclosed property owners, but those who serve hardly ever think about they would be the ones being served and facing eviction.

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That was the case not too long ago when Gerardo and Keryn Oseguera, two local married law enforcement experts who had full-time jobs serving the neighborhood for a lot more than 27 years, found themselves facing alleged wrongful foreclosure by one particular of Americas largest mortgage lenders.

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Their foreclosure was delayed only by a brief moratorium on foreclosures and might be overturned by means of the function of Brookstone Law Computer. With offices in Newport Beach, CA and and Ft. Lauderdale, FL, Brookstone Law is involved in active investigations of the banking crisis which includes instances all through the nation exactly where customers are taking the banks to process for unlawful lending practices.

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The moratorium was brought on by the nationwide controversy more than administration of loan documents that brings into question the ownership of thousands of mortgages and, according to court documents, featured a Bank of America witness testifying to consistent illegal administration of loan documents from the Bank to mortgage lender Countrywide. (John T. Kemp, Kemp v. Countrywide House Loans Inc., 08-02448, U.S. bankruptcy Court for the District of New Jersey). Ironically, the originator of the Osegueras loan, is now a subsidiary of Bank of America.

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We did everything by the letter. We were not asking for principal reduction, just to be in a position to afford the payments. All we want is for our kids have a roof more than their heads and get some certainty in our lives, stated Gerardo Osegura.

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Brookstone Laws analysis of the couples loan documents has revealed that the lender reported the couples combined revenue at twice the actual amount, permitting the Osegueras to get a loan for which they have been not qualified and could not afford. Brookstone identified that the lender also changed the total amount and term of the loan and, in performing so, left the couple unaware they were facing bigger debt than they could afford a total debt they did not discover until following the lender went out of organization and were served notice of foreclosure.

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In 2009, when the couple realized adjustments in their loan would improve month-to-month payments beyond their ability to afford them, they contacted the lender to request a modification. But primarily based on the incorrect info in the documents, when they applied for a loan modification and in spite of good credit and safe complete-time jobs they have been turned down three occasions. Over the course of two years, they exhausted each and every available alternative to modify their loan without accomplishment.

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Brookstones function has created us a lot more hopeful right now than we have been in years, Osegura mentioned.

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As reported throughout national and international media, the issues banks and lenders have triggered by improper administration of loan documents has been a major factor in the nationwide foreclosure crisis.

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The nationwide bank crisis is brought on by foreign money entering our economy, which not only violates the Patriot Act and raises the possibility that an overwhelming majority of the loans issued from 2004-2008 are not excellent, said Vito Torchia, Jr., managing attorney of Brookstone Law.

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Because it is so challenging for mortgage holders to have achievement dealing with banks, lenders and mortgage adjustments, Brookstone Law has been at the forefront of guarding the rights of mortgage holders in the crisis.

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More than ever prior to, shoppers need professional legal aid to defend their rights when they deal with corporate banks, mortgage lenders and institutions like Bank of America. The Osegueras story is sadly typical and reveals how some banks and lenders make the challenges that mortgage holders face as they try to keep away from foreclosure nearly insurmountable, stated Torchia. We are devoted to helping these who are facing wrongful foreclosure and fighting for the first responders, military and community servants who fight for us.

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About Brookstone Law, Pc&#13

Primarily based in Los Angeles, with offices in Newport Beach, CA, and Ft. Lauderdale, FL, Brookstone Law, Pc, is a law firm comprised of attorneys with expertise and achievement in company, corporate and individual finance, employment, entertainment &amp media, art &amp museum, intellectual home and real estate law. The firm has a network of far more than 40 affiliate attorneys nationwide and employs very educated specialists, paralegals, paraprofessionals and administrative staff dedicated to serving our clientele. For details, get in touch with (800) 946-8655 or go to http://www.brookstone-law.com.

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Los Angeles, Ventura, Orange, San Bernardino and San Diego County Pest Manage Firms Scramble to Discover New Ways to Manage Gophers After Modify in Federal Laws


Los Angeles, CA (PRWEB) June 16, 2013

The two most widespread burrowing pests found in Los Angeles are gophers and moles. Gophers are small rodents that reside and burrow underground. Gophers are vegetarians mainly eating plants, roots and grass. Their continuous digging and eating of the vegetation tends to make them the gardens worst enemy and a have to to take away and handle.

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Moles are smaller and do not eat the vegetation. Their diet program consists of the bugs and insects they locate in the tunnel systems they generate. Moles are element of the shrew loved ones and are not rodents.

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To know whether a San Diego home is getting broken by gophers or moles is mostly determined by the shape of the mounds observed and no matter whether tunneling is seen from above ground. Gophers make kidney shaped mounds with a plugged hole maintaining the tunnel sealed. Moles produce volcano shaped mounds with a hole in the middle which is also plugged with dirt.

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If there is a mole in the garden or grass, a raised ridge in the soil can be noticed. This ridge is equivalent to the Bugs Bunny cartoon when Bugs would burrow in the dirt. Recalling the cartoon to bear in mind when he tunneled in the dirt is raised up and follows the path of where he began and stopped. Moles make a similar ridge brought on by their shallow tunneling forcing the dirt up and visible on the surface. Frequently instances the pushed up dirt path goes along tough scape such as a driveway, massive rock or sidewalk.

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Gophers dig a lot deeper and their path can’t be detected. Gophers will only leave holes or mounds of dirt as evidence they exist. Each the holes and the mounds are always plugged with dirt. If mounds are observed it could be a gopher or a mole however the raised ridge is only developed by a mole.

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Laws regulated by the US EPA have changed the procedures permitted to exterminate gophers, moles and other burrowing pests. The new laws beneath the Obama administration restrict the use of aluminum phosphide which has been the primary control item for decades. According to the Ventura Star in an write-up title “Pest manage gets tougher right after EPA rule adjust” dated May 8th, 2010, the law was passed across the United States, including Ventura, CA, following the item was blamed for the death of two young youngsters in Utah.

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Trapping and Carbon Monoxide have established to be both secure and successful for the eradication of gophers and other burrowing pests. Rodent Guys of Southern California have adopted these approaches into their removal approach.

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Trapping gophers and moles in Riverside has been about for a extended time. The art of trapping is much more laborious than poison approaches but has tiny possibility of affecting other animals or a threat to humans. Carbon monoxide gas injection into the tunnels works by pushing out the offered oxygen and suffocating the pest. Employed appropriately, carbon monoxide is secure and effective gopher control.

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Rodent Guys is a family owned little pest control enterprise primarily based out of La Verne, CA. Owner Nick Nielsen is a licensed pest manage operator whose whole business is devoted to burrowing animal manage and removal with restricted use of poisons all through Southern California.

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For far more info about Rodent Guys, please check out their site at http://www.rodentguys.com. Rodent Guys workplace can be reached at 866-931-1287.

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Rodent Guys services most of Los Angeles location like Los Angeles, Sunland, Calabasas, Pasadena, Extended Beach, Azusa, Studio City, West Los Angeles, El Segundo, North Hills, Pacific Palisades, Santa Monica, South Bay, Venice, Westchester, West Hollywood, Sherman Oaks, Encino, Arcadia, Monrovina, Bradbury, Duarte, Irwindale, Glendora, La Verne, San Dimas, Walnut, Diamond Bar, Claremont, Whittier, Hacienda Heights, La Mirada, Malibu, Santa Monica, El Monte, Alhambra, Temple City, San Marino, La Canada, Altadena, South Pasadena, Covina, West Covina, Pico Rivera, Pomona, Sierra Madre, La Crescenta, Montrose, Tujunga, Mission Hills, Playa Del Rey, Beverly Hills, Brentwood, Bel Air, Hollywood, West Hollywood, North Hollywood, Burbank, Glendale, Van Nuys, Simi Valley, Woodland Hills, North Hills, Chatsworth, San Fernando, Northridge, Reseda, Monterey Park, Rosemead, La Mirada, Sante Fe Springs, Norwalk, Bellflower, Downey, Lakewood, Cerritos, Marina Del Rey, Rowland Heights, Montebello, Carson, Compton, Lynwood, Inglewood, Culver City, and surrounding cities.

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All of Orange County is serviced for gopher handle which includes Aliso Viejo Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Nigel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda

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Riverside county gopher removal for Riverside, Corona, Jurupa Valley, Canyon Lake, Lake Elsinore, Lake Mathews, Eastvale, Moreno Valley, Norco and down to Murrieta are also serviced.&#13

San Bernardino County Gopher Control is covered in Redlands, Highland, Ontario, Chino, Chino Hills, Upland, Rancho Cucamonga, Alta Loma, Fontana, Rialto, Montclair and surrounding places.

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Ventura County Gopher Removal in Camarillo, Fillmore, Moorpark, Newbury Park, Oxnard, Piru, Port Hueneme, Santa Paula, Saticoy, Simi Valley, Thousand Oaks, Ventura and surrounding cities.

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Bankruptcy Attorney Fullerton Consultations Cost $ From Orange County Bankruptcy Attorneys Zhou and Chini For Residents Hit Challenging By The Housing And Job Markets.

Fullerton, CA (PRWEB) July 21, 2012

The residents of Fullerton and all Southern California know all about bankruptcy. Many have fought through the hard financial times, but are nonetheless unable to get a hold on finances. Some look to an Orange County bankruptcy attorney to assist ease the tension and harassment from creditors. Orange County bankruptcy attorneys Zhou and Chini have been offering help to some of the men and women in Fullerton that have impacted. A law firm representative said, We are promoting our solutions by marketing and advertising for totally free consultations for bankruptcy in Riverside our goal is to assist those in need to have of financial relief.

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The first step ahead of carrying out anything is to see no matter whether an individual will be filing will be for a Chapter 7 or a Chapter 13 bankruptcy. Prior to filing a Chapter 7 bankruptcy, the filer should take a implies test which requires income, expenditures, assets, and liabilities into account. As a rule of thumb, if the filers earnings is under that of the states median earnings, a Chapter 7 bankruptcy will be permitted. For either a Chapter 7 or a Chapter 13 bankruptcy, filers can go directly to the court but it is hugely advisable to have an experienced attorney do the bankruptcy court filing.

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When a consumer files a Chapter 7 Bankruptcy in Fullerton, there is no minimum or maximum amount of debt a single can eradicate. A bankruptcy attorney will be capable to inform that individual if you qualify to file for Chapter 7 bankruptcy by operating a “signifies test”, as nicely as informing if all your debts are dischargeable. What kind data will a bankruptcy attorney need ahead of a particular person files for a Chapter 7 bankruptcy? The person will need to have to get collectively various documents, like: A list of assets and liabilities (generally pulling a credit report assists) income and costs as properly as other pertinent documentation (W2’s and tax returns are required).

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Some Fullerton home owners face foreclosure and could not qualify for the HARP refinance system. If that is the case, there are approaches to quit a foreclosure an individual can also quit foreclosure process by filing bankruptcy. By filing a Chapter 13 bankruptcy case a individual can catch up on back payments home and bills by way of the payment plan worked out with the bankruptcy trustee. The person should continue to make timely payments on the house in the course of the bankruptcy case, or the lender petition the court to proceed with the foreclosure sale. The Zhou and Chini bankruptcy lawyers can help you filing for bankruptcy.

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A particular person can also attempt to negotiate a loan modification with the lender. This can permit them to hold your home and make the payments on the debt a lot more manageable. A lot of programs have been designed to aid homeowners stay in their properties due to the current mortgage crisis. The U.S. Department of Housing and Urban Improvement supplies information on the governments applications to support home owners negotiate a mortgage modification. An attorney can assist with negotiate with a lender to get a loan modification. Charges linked with the negotiation approach may possibly limit the benefits of the modification received.

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The use of an seasoned bankruptcy attorney to help an individual in debt is being utilized much more and more as men and women find out the bankruptcy is not something to be ashamed of. The law workplace of Zhou and Chini, have dedicated numerous hours to give free of charge data on the firms site and also through social media. The firm believes by delivering as considerably data feasible to the public, it will let shoppers to make sensible options on economic choices, or no matter whether or not they qualify for bankruptcy. For far more data visit http://www.bankruptcyattorneyFullerton.information/&#13
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The bankruptcy lawyers use Search engine optimization professional services to assist in law firm advertising and marketing to promote the message about the value of speaking with a bankruptcy lawyer in Newport Beach CA. if a person is contemplating filing. The firm continues its online presence by offering zero cost bankruptcy details on bankruptcy firms blog and social media pages. This information along with totally free consultations the firm hopes to attract far more Newport Beach residents hunting for economic relief.

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About the Firm: The Law Office of Zhou &amp Chini servicing the cities and counties of California. He is a graduate of UCLA and has been practicing law because 1999. Mr. Zhou has a wealth of expertise in bankruptcy, civil litigation, family members law, criminal law and unlawful detainers. Zhou and Chini Law Offices provide bankruptcy assistance to Orange County, Los Angeles, Riverside and San Diego residents. For far more details about the bankruptcy law firm please contact the toll free of charge, 888-901-3440 or pay a visit to http://bankruptcyattorneyorangecounty.org

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RealPrompt Agent-Partner, Tyler Head, Secures ten Lane County Listings in 11 Days


Phoenix, AZ (PRWEB) November 20, 2012

RealPrompt Agent-Partner, Tyler Head, a Certified Program HR 3648 Representative from Turning Point Realty Group, a boutique true estate firm, in Eugene, Oregon, secured ten brief sale listings from distressed homeowner appointments in eleven days.

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RealPrompt brings a really good and consistent channel where Im usually receiving those face-to-face appointments each month Ive always got these new listings that are coming in each month. So I consider its bringing some truly nice consistency to my listing portfolio, whereas the referral portion tends to come in waves, stated Head.

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Head, who has closed around two-hundred plus brief sales in the last 5 years, consistently holds in between thirty and forty quick sale listings each month. There was a period of time in August exactly where I consider we took ten listings in the span of eleven days I feel one of the days we took 3 quick sale listings, added Head.

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President and CEO of RealPrompt, Jeremy Bowman, stated RealPrompt has blanketed the country with extraordinary agents like Tyler, who are creating a significant influence in their markets by proactively reaching out to distressed home owners and assisting them successfully navigate the brief sale approach. Short sales have turn into the principal loss mitigation tool for banks like JPMorgan Chase, Bank of America, and Wells Fargo. When loan modification is no longer a possibility for distressed property owners lenders tend to lean towards short sales.

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RealPrompt, residence of Plan HR 3648, is a national private enterprise, headquartered in Chandler, Arizona, that makes use of its proprietary quick sales program to cost-free homeowners, lenders and communities from foreclosure. Real Estate Agents and Brokers partner with RealPrompt to obtain month-to-month distressed homeowner appointments, short sales training, marketing and advertising materials and breakthrough technology supported by a confirmed repeatable system for closing brief sale transactions.

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I really feel like if I have sufficient channels that there is constantly that consistency and Im often taking listings and Im constantly keeping that pipe full, which is essential to me, stated Head.

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Assertive agents like Tyler can truly be the remedy to homeowners facing foreclosure all through the nation. Distressed home owners require a accurate expert who is willing to sit down with them face-to-face and supply them with the aid they need. RealPrompt is generating those connections happen and had been continually expanding our reach, said Woods Davis, Vice President &amp Co-Founder of RealPrompt.

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About RealPrompt&#13

RealPrompt, home of Program HR 3648, is a national private enterprise, headquartered in Chandler, Arizona, that utilizes its proprietary brief sales program to cost-free home owners, lenders and communities from foreclosure. Through its two principal divisions, Program HR 3648 and TruDocs, RealPrompt has helped over 4,000 home owners find alternative options to foreclosure. For more info, go to RealPrompt.com or get in touch with 1.800.915.1988.

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Bankruptcy Lawyers In Orange County Cease Foreclosures By Filing Chapter 13 Bankruptcy For Property owners In Require Of Debt Relief


Orange County, CA (PRWEB) August 02, 2012

A foreclosure is when the lender reclaims a house by legal approach to recoup the outstanding balance on a mortgage or loan. The house is sold, generally at auction, and the proceeds of the sale are utilized to settle the debt. The foreclosure approach differs from state to state, and can take place as rapidly as 30 days from the time that a notice is received. In some situations, the lender can also come soon after the individual for the remainder of the loan if the sale price doesnt satisfy the debt. There are actions that a homeowner can take in order to quit a foreclosure with the help of an Orange County attorney. The law offices of Zhou and Chini one of Orange Countys far better known bankruptcy firms, is putting forth a internet advertising campaign to attempt to save homes for Southern California residents. To understand a lot more about a filing chapter 13 bankruptcy in Orange County pay a visit to http://bankruptcyattorneyorangecounty.org/

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The homeowner can also try to negotiate a loan modification with the lender. This can permit the property owner to preserve your home and make the payments on the debt much more manageable. A lot of programs have been designed to assist property owners stay in their houses due to the present mortgage crisis. The U.S. Department of Housing and Urban Development gives details on the governments applications to assist home owners negotiate a mortgage modification. An Orange County attorney can support with negotiating with a lender to get a loan modification. Fees associated with the negotiation approach may limit the advantages of the modification received. The law offices of Zhou and Chini can also verify to see if the homeowner qualifies for the new HARP two refinance program for residents who are upside down in their property loan.

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A homeowner can also cease foreclosure approach by filing bankruptcy in Orange County. By filing a Chapter 13 bankruptcy case the individual filing can catch up on back payments on the residence via the payment plan worked out with the bankruptcy trustee. The homeowner should continue to make timely payments on your home in the course of the bankruptcy case, or the lender petition the court to proceed with the foreclosure sale. A knowledgeable Orange County bankruptcy lawyer can help you filing for bankruptcy now.

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According to DQNews.com “The quantity of Southern California residences sold in June for significantly less than $ 200,000 fell 3. % from a year earlier, while the quantity that sold for $ 200,000 to $ 400,000 increased 7.eight percent. Sales amongst $ 300,000 and $ 800,000 a range that would incorporate a lot of move-up purchasers improved 12.8 % year-more than-year. Sales over $ 800,000 rose 7.1 percent from June 2011. Foreclosure re-sales properties foreclosed on in the prior 12 months accounted for 24.5 % of the Southland resale market last month, down from a revised 26.9 percent the month before and 32.9 percent a year earlier. Last months figure was the lowest since foreclosure re-sales had been 24.three % of the resale industry in December 2007. In the present cycle, the figure hit a higher of 56.7 percent in February 2009”. There were 16,724 Orange County CA foreclosures in June 2012, according to RealtyTrac.com. According to the information there is a downward trend in foreclosures in Orange County California. For homeowners with equity and are over the age of 65, they might qualify for a reverse mortgage in Orange County, that may be an option also for some residents.

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The firm makes use of Search engine marketing expert services to assist in law firm marketing to promote the message about the value of speaking with an seasoned bankruptcy lawyer in Orange County, if a person is thinking about filing. The firm continues its online presence by providing zero price bankruptcy info on the bankruptcy firms weblog and social media pages. This details along with free of charge consultations the firm hopes to aid much more homeowners learn about chapter 13 bankruptcy and what alternatives they could have. To study much more on the bankruptcy firms Orange County Facebook web page visit https://www.facebook.com/BankruptcyAttorneyOrangeCounty

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About the Firm: The Law Office of Zhou &amp Chini servicing the cities and counties of California. He is a graduate of UCLA and has been practicing law considering that 1999. Mr. Zhou has a wealth of expertise in bankruptcy, civil litigation, family members law, criminal law and unlawful detainers. Zhou and Chini Law Offices give bankruptcy assistance to Orange County, Los Angeles, Riverside and San Diego residents. For far more information about the bankruptcy law firm please contact the toll free of charge, 888-901-3440

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Santa Ana Bankruptcy Lawyer Services $one hundred From Orange County Bankruptcy Attorneys Zhou and Chini


Santa Ana, CA (PRWEB) August 23, 2012

The residents of Southern California know all to effectively about bankruptcy and Santa Ana is no exception. There have been a lot of that have fought via these challenging financial instances, but are nevertheless unable to get a hold on finances. Some can seek the guidance of a Santa Ana bankruptcy lawyer to ease the tension and harassment from debt collectors and threats of wage garnishments. Santa Ana bankruptcy attorneys Zhou and Chini have already been providing support to those men and women in Santa Ana that have caught up in the housing marketplace or job loss. A law firm representative was quoted, We are strongly advertising our $ 100 down stops harassing creditor calls, by advertising the slogan with free consultations for bankruptcy in Santa Ana our goal is to assist those in require of financial relief.

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Speaking to a bankruptcy attorney in Santa Ana for totally free is the very first step in locating out what type of bankruptcy an person qualifies for, Chapter 7, Chapter 13 and so on. Just before somebody can file a Chapter 7 bankruptcy in Santa Ana, the person have to take a indicates test which takes earnings, costs, assets, and liabilities into account. As a general rule, when the filers income is below that of the states median revenue, a Chapter 7 bankruptcy in Santa Ana will be permitted. For either a Chapter 7 or a Chapter 13 bankruptcy in Santa Ana, filers can go straight to the court but it is hugely advised to have an knowledgeable Santa Ana bankruptcy lawyer do the bankruptcy court filing. When a customer files a Chapter 7 Bankruptcy in Santa Ana, theres no minimum or maximum amount of debt a single can remove. A Santa Ana bankruptcy lawyer will be capable to tell that person if you qualify to file for Chapter 7 bankruptcy by operating a “signifies test”, as well as informing if all of your debts are dischargeable. What kind of info will a bankruptcy lawyer need to have prior to a particular person files for a Chapter 7 bankruptcy? The individual will want to get collectively a variety of documents, such as: A list of assets and liabilities (typically pulling a credit report assists) earnings and expenses as effectively as other pertinent documentation (W2’s and tax returns are essential).

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HARP Refinance plan or the HARP two program came out a few months back , but regrettably a lot of will not qualify. When thats the predicament, there are particular techniques one particular can use to stop a foreclosure an person can cease foreclosure process by filing bankruptcy. By filing a Chapter 13 bankruptcy case an person can catch up on back payments on the residence and bills through a payment strategy worked out with the bankruptcy trustee. The person need to also continue to make timely payments on the house during the bankruptcy case, or the lender petition the court to proceed with the foreclosure sale. The bankruptcy attorneys Zhou and Chini can guide you filing for bankruptcy in Santa Ana.

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Some Santa Ana property owners can attempt to negotiate with the lender to get a loan modification. This can permit them to occupy the property and make the payments on the debt far more manageable. Many applications have been designed to help homeowners keep in the properties due to the fact to the existing mortgage crisis. The U.S. Department of Housing and Urban Development gives info on the governments applications to aid home owners negotiate a mortgage modification. A certified Santa Ana attorney can aid with negotiate with a lender to obtain a loan modification. Fees connected with the negotiation process might limit the rewards of the modification received.&#13

The use of a bankruptcy attorney in Santa Ana to help someone in debt is becoming employed much more and far more as consumers discover out the bankruptcy is not some thing to be embarrassed of. The bankruptcy law workplace of Zhou and Chini, have devoted many hours to offer totally free details on the firms internet site and also through social media. The firm believes by offering as much info feasible to the public, it will permit buyers to make sensible choices on monetary decisions, or regardless of whether or not they qualify for bankruptcy. For a lot more details visit

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The Santa Ana bankruptcy attorneys utilize Seo expert services to assist in law firm marketing to market the message about the importance of speaking with a bankruptcy lawyer in Santa Ana CA. if somebody is thinking about filing. The firm continues its online presence by providing zero expense bankruptcy details on bankruptcy firms blog and social media pages. This info along with free consultations the firm hopes to attract much more Santa Ana residents seeking for monetary relief. To study far more on the bankruptcy attorney Santa Ana Facebook page pay a visit to, http://www.facebook.com/BankruptcyAttornySantaAna

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About the Firm: The Law Office of Zhou &amp Chini servicing the cities and counties of California. He is a graduate of UCLA and has been practicing law because 1999. Mr. Zhou has a wealth of expertise in bankruptcy, civil litigation, family members law, criminal law and unlawful detainers. Zhou and Chini Law Offices give bankruptcy assistance to Orange County, Los Angeles, Santa Ana and San Diego residents. If you live in San Diego or Orange County and believe you may qualify for a reverse mortgage in Orange County to support handle debts speak with one particular of our specialists. For more details about the bankruptcy law firm please contact the toll cost-free, 888-901-3440 or go to http://bankruptcyattorneyorangecounty.org/

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Loan Officer Jobs In Orange County CA Are In High Demand As Loan Originations Are On The Rise


Orange County, CA (PRWEB) February 04, 2013

It was only a handful of years ago when you couldn’t locate a job anyplace in Orange County if you had been a loan officer. Following the housing bubble, numerous loan officers got into the loan modification company. But now with interest rates being so low and the industry stabilizing in particular areas, licensed loan officers are in demand. AnikimCreditCorp.com a nationwide recruiter for mortgage bankers and brokers, is combing their databases for originators that are licensed and prepared to function. Mortgage loan officer jobs in Orange County CA have been on a steady climb more than the final year, but the final quarter has been intense. To learn much more about the opportunities obtainable in Orange County California visit, http://AnikimCreditCorp.com.

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All the mortgage markets in Southern California appear to be hot, at least for needing new mortgage originators. Reverse mortgage San Diego lenders are also obtaining a challenging time locating qualified folks to represent their banks. Also, numerous reverse mortgage Orange County firms are competing with regular lenders as properly brokers fighting to locate licensed agents. It appears to be an all-out frenzy to grab everyone they can to manage the call volume. The want for loan officers in Orange County does not look to be going anyplace anytime soon. To view some of the recruiting videos launched by the mortgage recruiter pay a visit to, http://www.youtube.com/watch?v=Ibx_UqBYKYM

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When loan officers are entering into the mortgage organization for the 1st time they appear to adapt to the guidelines and regulations nicely, says a representative of the recruiting organization. Its when the folks that are obtaining back into it following a few years that are amazed with all the new specifications. A lot of factors have changed for mortgage originators considering that 2008, and some uncover themselves overwhelmed with receiving effectively licensed. Also, a lot of dont recognize the time it can take to get licensed, from test, to application, to approval. One particular must take the National exam and pass, then go a single and take every single state that they want to originate in. This is time consuming and pricey, to be in a position to do loans in a handful of states takes months and a number of thousand dollars. For this explanation, there are not numerous mortgage loan originators in Orange County, causing a shortage.

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The firm is employing every single marketing approach in the book to acquire new agents for their partners. Social media, video campaigns and making use of job posting web sites on-line is helping the firm to satisfy some of the clientele. But with the steady require for new loan officers, its difficult to locate certified agents for all.

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About the organization Anikim Credit Corp. was started following the mortgage crisis to assist struggling loan officers and net branches find mortgage banks that have been capable to sustain via the tough instances. Considering that then the company has built relationships with banks and brokers throughout the county and helps spot originators with the proper locations to fund loans.

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