Expert California Lawyers protecting your rights.
Debt Relief & Foreclosure
Debt: It haunts us, it hurts us and sometimes we feel like we’ll never see the end of it. The Law Offices of Nader, Naraghi & Woodcock can help you get out of your debt once and for all. Since 1996, we have dedicated ourselves to helping individuals and families reach financial freedom. We have proudly eliminated millions of dollars’ worth of debt and have helped save over 7,000 homes from foreclosure. When it comes to debt, the simple act of hiring our office gives you something you’ve been longing for: peace of mind knowing that we are here to help, and hope for a better financial future. Allow our two decades of experience help you with this emotional and frustrating process and start moving forward.
Debt relief comes in many forms. If you are reading this, chances are you are wondering what kind of debt relief is best for you and your financial future. All of your questions will be answered during your free consultation with one of our attorneys. Rather than pondering long hours of research, make an appointment, talk to us about your situation, tell us your goals for the future, and allow us to cater a plan that is right for you. For many folks, filing for bankruptcy may be the best option. Contrary to what credit card companies and other financial institutions may lead you to believe, bankruptcy is designed to help the consumer get out of debt and gain a fresh financial start. That’s right—bankruptcy is designed to help you, not hurt you.
Check out some of the benefits from filing for bankruptcy:
- Stop the harassment: Creditors are ruthless and many of us are afraid to answer our phones and open our mail. Through bankruptcy, all of this harassment will stop immediately.
- Eliminate or reduce debt: Both Chapter 7 and Chapter 13 bankruptcies have different functions but the goal is the same: to make your debt manageable by eliminating it or by providing you with a monthly installment plan that you can afford. Pay your debt on your terms, not the banks’.
- Keep your property: Contrary to the information you may find, filing for bankruptcy does not mean you will lose your home or your car or any other property. However, having the experienced attorney who understands the laws of bankruptcy is crucial in making sure to preserve your rights and property.
In some cases however, bankruptcy may not be the best option for you, and that’s ok! You see, what is best for your neighbor may not be best for you. At the Law Offices of Nader, Naraghi & Woodcock we understand that everyone’s situation is different and our goal is to cater your debt-relief program to your needs and help you reach your financial goals.
Homeowners who are experiencing financial difficulties often lose their homes to foreclosure. It does not have to be that way. If saving your home is important to you, our foreclosure practice has helped many individuals stop the foreclosure process immediately. There are several ways to fight a pending foreclosure action and our approach to your situation is as unique as you are. Our only warning when it comes to foreclosure is that time is truly of the essence and you don’t want to be stuck in a snowball effect. Even if you have given up, understand that where there is a will, there a way. If you are facing foreclosure and are determined to save your home, we encourage you to call us and talk to one of our experienced attorneys.
We believe everyone has the right to live a happy life regardless of financial status. We are determined to help the underdog win their fight against the Big Guys- the banks, lenders, collection agencies, and insurance companies- who take advantage of everyday consumers. These corporations collect billions of dollars year after year, while consumers are struggling as their debt slaves. What we struggle with at our firm is that some folks surrender themselves to these Big Guys. Why?! If you want a bright financial future, you have to take the first step by calling us for your free consultation. Consumers have rights, and we are passionate about protecting those rights.
What you should know, what you should do.
Divorce is one of the most difficult events is a person’s life. It can stir up negative emotions and can have serious effects on your sense of identity, self, and worth. The effect can be stress and lack of sleep; a self-destructive cycle. But the situations is manageable. With the right information, analysis and advice, your situations can improve. You can just as quickly rebuild and regain control of your life as well as your sense of identity, self, and worth.
When faced with divorce, it’s important to put things in perspective. Your situation should not control or define you. Instead, you should control your situation. The situation is not likely to get better by itself; some action on your part is necessary. But it’s extremely important that you take the correct action…otherwise, you may find yourself wasting time and possibly make your situation even worst. Create a plan. Specifically, you need to Educate, Evaluate, Plan and Act:
Educate yourself: If you are faced with divorce, whether you are deciding to end the marriage or the decision is made by your spouse, find a source for reliable information about your rights, obligations and options. This is NOT the time to get advice from well-intentioned friends or family members, and it’s NOT the time to rely on general “information” that you find through the miss-information superhighway. The source of your information is critically important to your success, both on the procedural aspects of divorce, as well as the substantive issues, specifically: Custody of Children, Child Support, Spousal Support, Assets & Debts as well as Legal Fees.
Evaluate your options: Objectively apply the information you now have to your divorce and then evaluate your options. Is mediation an option? -- don’t overlook it and don’t underestimate it. Are there risks or advantages to mediation, and is it worth trying? If not, what should you do, and more importantly, what shouldn’t you do. Your overall goal for a divorce should be to resolve the matter through negotiation if possible, and aggressive litigation if, and only if, necessary, and even then, only to the extent necessary.
Don’t allow any preconceived ideas stand in your way. Keep an open mind and remember that the ultimate goal is to successfully maneuver your way through your divorce in a way that will be most beneficial to you and your future.
Plan your course: Decide what you need to do. Also, decide whether this is something you are able and/or feel comfortable doing yourself, or whether you will need professional help. Just because something seems easy doesn’t mean it is easy. An important consideration is what you have to lose if the matter is not handled correctly. The more important the item or issues are to you, the more likely it is that you need professional help so mistakes can be avoided.
Also, be sure to account for the possibility of things not going exactly as you had planned. Have a backup plan.
Take Action: Armed with all of the above, take action! Once a decision has been made that a marriage is over, whether by you or by your spouse, the situations rarely, if ever, gets better by itself. In fact, delay can cause things to get worst. A simple divorce may now become complex. What could have been an amicable divorce may now be an adversarial divorce. The sooner you take action, the sooner you will regain control over your divorce and over your life.
The lawyers at Nader, Naraghi & Woodcock are expert in the field of family law and divorce with over 15 years of experience in litigation as well as mediation. They will give you specific and personalized information so that you can find the best solution. After speaking with one of our lawyers, you will have all of the information you need for the 4 step process, and you will be in powerful position of knowing what you need to do. Armed with the proper advice, you may find that the solution is much simpler than you thought. You may want to take action yourself, or have our team do everything for you…the choice will be yours. Whether the help you need is information only, or whether you need legal representation, our team is here to help you.