Creditor issues

We have listened to our clients, and too many of our clients are hurting financially. Their mortgages are greater than the present value of their homes. They are burdened with credit card and other debt, and this debt keeps increasing daily with the interest rates, creditor collection fees and creditor attorney fees being added to what was due.

We have created what we call the "Client Fresh Start" division of our practice. We are guiding and assisting our clients in theShort Sale process, Loan Modification and Debt Settlements.
We are representing our clients in Foreclosure defense as well as dealing directly with our clients creditors so our clients can focus on making a living without being hassled by their creditors.

We are also working with reputable credit repair companies to assist our clients to repair their now damaged credit ratings.
To properly assist our Fresh Start clients, we need to work together in creating a plan that truly gives them a Fresh Start. This plan has to be realistic, saleable to the creditors, and totally affordable to the client. We start with working out a realistic financial budget plan and preparing this budget plan professionally to be able to show a true financial picture to the creditors.

This plan is prepared by either the clients existing accountant or by an accountant that we recommend. We also prepare a professional report by one of our Realtors showing the real present value of the property. These two reports, along with a budget established and agreed to by our client to resolve the creditor issues are the keys to success for a fresh start. We then implement the plan by establishing a separate bank account for the client which the client has full viewing of the transactions in this account via the internet. Every dime put into this account is tracked and accounted for. Normally, our clients require between 24-36 months to create, implement and complete the plan; with the goal of allowing them to have a true fresh start financially after the completion of the plan.

Our fees are also paid over the 24-36 month period of time and we bundle the required services so the client that signs on for the Fresh Start program gets the complete package of services required to truly assist them.