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El Dorado Hills Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
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AV Preeminent Peer Rated Attorneys
El Dorado Hills Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
El Dorado Hills Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
  • 2744 Coloma Street, Placerville, CA 95667

  • 3017 Douglas Boulevard, Suite 300, Roseville, CA 95661

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  • 1006 Fourth St., Ste. 225, Sacramento, CA 95814

  • 770 L Street, Suite 950, Sacramento, CA 95814

  • 11899 Edgewood Road, Suite L4, Auburn, CA 95603

  • 555 Capitol Mall, Suite 766, Sacramento, CA 95814

  • 13620 Lincoln Way, Ste. 220, Auburn, CA 95603

  • 1545 River Park Dr., Ste. 201, Sacramento, CA 95815

  • 1451 River Park Dr., Ste. 298, Sacramento, CA 95815

  • 1903 21st St., Sacramento, CA 95811

  • 1000 G St., Ste. 220, Sacramento, CA 95814

  • Rancho Cordova, CA 95741

  • 1007 7th St., Ste. 512, Sacramento, CA 95814

  • 2335 American River Dr., Ste. 301, Sacramento, CA 95825

  • 6825 Fair Oaks Blvd., Ste. 101, Carmichael, CA 95608

  • 3001 Douglas Blvd., Ste. 120, Roseville, CA 95661

  • 1555 River Park Dr., Ste. 108, Sacramento, CA 94815

  • 2400 22nd St., Ste. 110, Sacramento, CA 95818

  • 4090 Truxel Rd., Sacramento, CA 95834-3725

  • 3161 Cameron Park Drive, Suite 211, Cameron Park, CA 95682

  • 7000 Franklin Blvd., Ste. 1210, Sacramento, CA 95823

  • 10030 Fair Oaks Blvd., Fair Oaks, CA 95628-7108

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The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

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Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

What should I do to prevent foreclosure on my home?

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Answered by attorney Edward Papa (Unclaimed Profile)
Bankruptcy lawyer at Edward Papa
There are many options and strategies in regard to this situation. The home being foreclosed up will likely end up selling for less than is due. The foreclosure may lead to a deficiency judgment which would likely be filed against your mother's home leading to wage garnishment and/or bank account freeze. She or her estate would face satisfying the judgment on refinance/sale of the home. And there's the damage to her credit score and report from the foreclosure. Your mother should seek out a consultation with an attorney in her area who can advise her.
There are many options and strategies in regard to this situation. The home being foreclosed up will likely end up selling for less than is due. The foreclosure may lead to a deficiency judgment which would likely be filed against your mother's home leading to wage garnishment and/or bank account freeze. She or her estate would face satisfying the judgment on refinance/sale of the home. And there's the damage to her credit score and report from the foreclosure. Your mother should seek out a consultation with an attorney in her area who can advise her.
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Can my state pension be garnished because of medical bills?

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Answered by attorney Kenneth Love (Unclaimed Profile)
Bankruptcy lawyer at Love and Dillenbeck Law
No, they cannot...but once you receive the actual monthly payment it may no longer be protected. You income cannot be taken until after a judgment is obtained. If you are sued, you need to speak to an attorney about all of the protections you may have.
No, they cannot...but once you receive the actual monthly payment it may no longer be protected. You income cannot be taken until after a judgment is obtained. If you are sued, you need to speak to an attorney about all of the protections you may have.
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What happens to past due Home Owners Association dues after bankruptcy?

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Answered by attorney Tony E. Carballo (Unclaimed Profile)
Bankruptcy lawyer at Carballo Law Offices
The H.O. dues are a secured debt so the debt remains a lien on the property. The lien of the H.O. Association is superior to the bank's liens for mortgages. However, your personal liability for the dues is discharged in a Chapter 7 for the dues but only for the period before you filed. If you remain in possession of the property then you will owe the dues that become payable after you file. Chapter 7 will eliminate your liability for debts before you file only. Since the lien remains attached to the property for the H.O. dues [you can say that the property itself continues to owe the H.O. dues because it is a charge or lien against the property], the buyer of the property takes the property subject to the debt to the H.O. Association. That is why before there is a foreclosure (trustee's sales) or at the time a short sale closes the H.O. Association is usually paid. Most buyers want clear title and the H.O. Association dues need to be paid before the transfer of the property for the buyer to obtain clear title. Otherwise, the buyer will have to pay the old H.O. dues to obtain title free and clear of the lien from the H.O. Association. In a Chapter 13 the situation is more complex and the association dues unpaid have to be paid in the Chapter 13 Plan unless you surrender the property. You need to contact a bankruptcy attorney since bankruptcy law is highly complex and require competent legal representation to avoid serious difficulties, particularly when dealing with real property issues.
The H.O. dues are a secured debt so the debt remains a lien on the property. The lien of the H.O. Association is superior to the bank's liens for mortgages. However, your personal liability for the dues is discharged in a Chapter 7 for the dues but only for the period before you filed. If you remain in possession of the property then you will owe the dues that become payable after you file. Chapter 7 will eliminate your liability for debts before you file only. Since the lien remains attached to the property for the H.O. dues [you can say that the property itself continues to owe the H.O. dues because it is a charge or lien against the property], the buyer of the property takes the property subject to the debt to the H.O. Association. That is why before there is a foreclosure (trustee's sales) or at the time a short sale closes the H.O. Association is usually paid. Most buyers want clear title and the H.O. Association dues need to be paid before the transfer of the property for the buyer to obtain clear title. Otherwise, the buyer will have to pay the old H.O. dues to obtain title free and clear of the lien from the H.O. Association. In a Chapter 13 the situation is more complex and the association dues unpaid have to be paid in the Chapter 13 Plan unless you surrender the property. You need to contact a bankruptcy attorney since bankruptcy law is highly complex and require competent legal representation to avoid serious difficulties, particularly when dealing with real property issues.
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