Here at the Larkin Law Firm, yes, much of what we do is centered around bankruptcy. However, that\u2019s far from the only service that we offer. In fact, in many cases, we find that the best option isn\u2019t necessarily bankruptcy. Instead, it\u2019s some other form of debt relief. The truth is that we would never force bankruptcy upon anyone. Moreover, if bankruptcy is the best option for a person\u2019s situation, we would make sure to put together a package that\u2019s specifically right for them. When you call us, we\u2019ll sit down with you, go over exactly what you\u2019re dealing with, and from there, we\u2019ll begin to put together something that addresses all of your needs.\u00a0<\/span><\/p>\n

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Loan Modification\u00a0<\/span><\/h3>\n

Loan modification has been proven to be a very effective debt relief solution for those who are only really considering filing for bankruptcy due to their mortgage. The truth is that it could be possible to restructure the terms of the loan. We can help put together a mutual agreement between the borrower as well as the lender. At the Larkin Law Firm, we\u2019ve done this many times. This option, should it be the best fit for your situation, may provide many benefits that bankruptcy might not.\u00a0<\/span><\/p>\n

Fixing What\u2019s Wrong with Your Loan\u00a0<\/span><\/h3>\n

Often, when we discuss loan modification with a person considering bankruptcy, we find that there were flaws in the loan or the way that it was applied. For example, over the years, we\u2019ve seen so many violations of the Truth in Lending Act as well as the Real Estate Settlement and Procedure Act. That might not sound like the biggest deal, but, those acts were specifically written to benefit consumers. If your loan was in violation of them, then that\u2019s one more piece of leverage that we can use to modify your loan. Late charges, improper charges, and more: the truth is that people are often shocked by what\u2019s been in their loans.\u00a0<\/span><\/p>\n

The Larkin Law Firm\u00a0<\/span><\/h3>\n

Finding those violations and utilizing them in service of better modifying your loan is one more way in which we can help. The sheer amount of these violations that tend to appear in loan agreements can be staggering, which is why in addition to being a bankruptcy law firm, we\u2019re well-versed in essentially all forms of debt relief law. That\u2019s part of what enables us to put together a well-crafted debt relief solution for your specific situation. Call us today for a free consultation at (760) 316-6669<\/strong>.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Have you found yourself unable to pay your mortgage? Did you have everything planned out to be able to pay your mortgage off, but circumstances have changed and you\u2019ll now be unable to do so? While scary and damaging, this is more common than you might think, especially now, in the COVID-19 pandemic. Our bankruptcy…<\/p>\n","protected":false},"author":5,"featured_media":4659,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31],"tags":[50,29,30],"class_list":["post-4658","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bankruptcy","tag-bankruptcy-law-center-in-san-diego","tag-debt-lawyer","tag-debt-relief"],"yoast_head":"\n