San Francisco - Oakland
Bay Area
San Francisco Bankruptcy Attorney
Oakland Bankruptcy Lawyer
Providing Professional Services in Bankruptcy, Business & Tax Settlement To Clients In The San Francisco - Oakland Bay Area Since 1983
- Dedicated and Experienced
- Professionalism & Integrity
- Friendly, Caring Personalized Attention
- 28 Years of Experience
- Award Winning
- Author and Lecturer
- Affordable Rates & Payment Plans
- Affordable Consultations
- Aggressive in Defense of Your Rights
- EXPERIENCE ON YOUR SIDE!
- Convenient Hours Monday - Friday
Saturday by special appointment
Although you may not have met us, we want you to know that we provide quality personalized attention to each one of our clients. With Bonney & Associates each client is our most important client. We know you need us and we are there for you.
415
986-0115
Leon Jon Bonney Attorney Licensed by the State Bar of California
Since 1983
BANKRUPTCY LAW
A QUESTION TO YOU: Are you harassed by bill or tax collectors, being threatened, suffering from fear or anxiety? Then do something about it – you have legal rights. Get a fresh start under a Bankruptcy petition for relief - it's your right under the law.
Honorable Affordable Solutions For Hardworking Honorable People, including Families, Individuals and Small Businesses!
Reorganize, Modify or Eliminate Debts - Bankruptcy & Non-Bankruptcy Solutions for Consumer Debts, Business Debts, Mortgage Default, Loans, Foreclosure, Mortgage Lien Strip (for qualified borrowers), Auto Loans, Tax, Seizures, Garnishments,
BUSINESS LAW
Full Service For Small Business Owners
Full Service For Small Business Owners
IMMIGRATION LAW*
Families, Individuals, Appeals (*All Cases Represented
by ATTORNEY ENRIQUE RAMIREZ under Separate Retention Agreement)
Do you have questions about hiring a San Francisco – Oakland bankruptcy attorney or about the legal process in general? We are pretty nice people, so we always welcome general questions. So feel free to send us an email at info@Lbonney.com and let us know you are writing after having seen our website. (We can't give legal advice via email, but we can provide general information.)
We are San Francisco – Oakland bankruptcy lawyers who can help.
We serve clients from San Francisco, Oakland, Daly City, San Mateo, Hayward, and all areas in the Counties of San Francisco, Alameda and Contra Costa.
Do you need a
Daly City Bankruptcy Attorney
We can help
CONSUMER ALERT - ADVANCE FEES AND LOAN MODIFICATION SERVICES
As the US economy melts into the worst financial crisis since the Great Depression, a slew of individuals and groups, commonly referred to as "foreclosure consultants," have sprung up offering consumers “miracle cures” to foreclosure. If someone offers to fix or modify your mortgage to resolve a foreclosure, and wants to charge you a fee in advance, they are violating the law. Note: even if the person is a licensed real estate broker, this does not authorize them to charge a fee for loan modification to resolve a foreclosure.
See the California Department of Real Estate at
search "Consumer Alert - Advance Fees and Loan Modification Services" on the State's website.
On October 11, 2009 the State of California made it is unlawful for any person “who negotiates, attempts to negotiate, arranges, attempts to arrange, or otherwise offers to perform a mortgage loan modification or other form of mortgage loan forbearance for a fee or other compensation paid by the borrower … to claim, demand, charge, collect, or receive any compensation until after the [attorney or agent] has fully performed each and every service the licensee contracted to perform or represented that he, she, or it would perform.”
The advance fee prohibition for loan modification and forbearance services applies to residential property containing four or fewer dwelling units.
The new law also requires the following written disclosure in at least 14 point bold type regarding loan modification and/or loan forbearance services prior to entering into any fee agreement with a borrower:
“It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov.”
This Consumer Tip brought to you by San Francisco Bankruptcy Attorney Leon Jon Bonney
CONSUMER TIP - HOME OWNERS WITH SECOND MORTGAGES SPECIAL RELIEF AVAILABLE
If you have a second mortgage on your home, and if your home’s value is less than the total amount of your first mortgage, you may qualify to lien strip your second mortgage off of your home. In many cases this means relief and allows you to pay back your second mortgage only pennies on the dollar.
Contact me, a Bankruptcy lawyer in San Francisco – Oakland, to see if you qualify.
This Consumer Tip brought to you by Leon Jon Bonney Bankruptcy Attorney San Francisco – Oakland.
The firm is a debt-relief agency, as defined under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. We assist individuals and businesses in filing for bankruptcy.
Copyright 2011 Bonney & Associates: Bankruptcy Lawyer San Francisco – Oakland. All Rights Reserved
Bankruptcy Lawyer San Francisco - Oakland
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IMPORTANT REMINDER: Trademarks and Logos are the property of the respective organizations and use on this site does not denote sponsorship of this site or of the attorneys under this site by such organization. The images are used for informational purposes only so that consumers may view those sites for self-help purposes.
