If you are (or soon will be) behind on your house payment and/or payments for one or more investment properties, then you want to know . . .

 

• Can I (should I) let the lender foreclose on one or more property?
• Can the lender get a deficiency judgment?
• What is a deficiency judgment?
• Do the Arizona anti-deficiency statutes apply to me?
• Do the anti-deficiency statutes apply to investment property (i.e., rentals)?
• What are the anti-deficiency statutes?
• Are VA or FHA loans impacted by the Arizona anti-deficiency statutes?
• What is the Mortgage Forgiveness Debt Relief Act of 2007 and, more importantly, does it apply to me?
• What are my alternatives? (i.e., deed-in-lieu, bankruptcy, short sale, etc.)
• What is the impact on my credit of a deed-in-lieu, bankruptcy or short sale?
• Can I get a loan after a foreclosure, short sale or bankruptcy?

 

You cannot take action because you are paralysed by the fear of inadvertently making a mistake that may have catastrophic financial consequences.  You want to know what you can do.  

 

I understand your dilemma and I will answer these questions for you.  You are not alone.  Many people have recently found themselves in financial trouble, people who have never missed a single payment on anything in their life.  I have helped them and I can help you.

 

I will gather information about you and your circumstances and then give you a comprehensive written opinion letter that thoroughly explains your rights, responsibilities and options.  I will get you this letter within TWO DAYS after I receive the information I need.  You will then have the information you need to make an informed decision.

 

You will receive an unbiased analysis.  I will not seek or accept any real estate business from you.  Although I own a real estate brokerage, if you want to sell (or do a short sale), I will not accept your business and I will direct you elsewhere.  If you need other, specialized legal services (i.e., bankruptcy), I will refer you to a qualified attorney.

 

All this for a flat fee of only $499 - no “hidden” fees.