Chapter 13 Bankruptcy can be the savoir in this regard. More help and consultancy by leading attorneys is available at Stonehavenlaw.com

Rancho Cucamonga, CA -- (SBWIRE) -- 01/20/2010 -- Stonehavenlaw.com, the online legal consultant introduces its new section on Chapter 13 bankruptcy explaining in clear terms as to what are the laws governing Chapter 13 bankruptcy to save a borrower from unfortunate foreclosure also referred to as "reorganization", consolidating debt and reorganizing it into an affordable monthly payment plan approved by the court. In comparison to Chapter 7 bankruptcy, Chapter 13 bankruptcy law does not completely eliminate a debtor's unsecured debt and requires a debtor to repay a portion of or all of the debt. All valuable information about an interest-free Chapter 13 debt repayment plan are worth a reference at this online legal consultancy and for a more detailed analysis borrowers can very well visit the head office based at Rancho Cucamonga, California.

Stonehavelaw.com provides with all needed help before filing Chapter 13 bankruptcy. Anudeep Kaur Singh, renowned bankruptcy attorney for Stone Haven Law Group, LLC, explains further, "Chapter 13 bankruptcy is a bankruptcy that allows you to pay off most of your debt, including missed mortgage and auto payments, through manageable monthly payments over a period of 3 to 5 years. One very important thing to remember about Chapter 13 bankruptcy is that you must be working or have a consistent source of income for your repayment plan to be approved by the court. More on this can now be referred in the category given online at http://www.stonehavenlaw.com including the Bankruptcy timeline and Q & A section."

Stonehavenlaw authorized attorneys ensure that Chapter 13 bankruptcy filing will stop the foreclosure any time prior to the sale, and allow you to repay your mortgage arrears through your Chapter 13 bankruptcy. A borrower is obligated to make all future mortgage payments directly to the mortgage company, but they may not foreclose to collect any outstanding mortgage payments. A Chapter 13 bankruptcy will also stop the finance company from repossessing car and other non-exempt assets. The past due payments and the entire balance on your vehicle loan will be consolidated, which will be payed off over the next three to five years. To determine whether a Chapter 13 bankruptcy is right for you, it is wise to contact Stone Haven Law Group today by a visit at http://www.stonehavenlaw.com

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Stonehavenlaw now offers a special section that explains all that remained unanswered about Chapter 7 Bankruptcy with an online legal advisory team of qualified attorneys.

Rancho Cucamonga, CA -- (SBWIRE) -- 12/11/2009 -- Stonehavenlaw.com the online legal advisory owned by a Stone Haven Law Group LLC based at Rancho Cucamonga, California provides all related info that is essential to know about Chapter 7 Bankruptcy before filing for the same. In conditions, when a borrower has gone job less, is financially unstable due to the huge medical bills mounting up due to serious illnesses, disability, and separation or in case of death of the sole bread owner of the family has limited his or her powers to pay off the overflowing debts.

There is more to add onto what is informed to the browsers at stonehavenlaw.com. Anudeep Kaur Singh, the well known name in providing with the right advice to those willing to file bankruptcy suggests Stonehavenlaw.com as the website with correct information that helps in making grave decisions to file Chapter 7 Bankruptcy, she is of the opinion, "Stonehavenlaw.com is all in it's new look and feel to bring to you best legal assistance in all issues and especially on matters that can help you overcome the sorry situation of foreclosure and with Chapter 7 Bankruptcy that can make arrangements to reaffirm debts which in turn can relieve you from the mental stress of having to pay the debts."

Referred to as "Liquidation", Chapter 7 Bankruptcy helps in mitigating the legal liability to pay debts in critical situations that makes it impossible to clear debts. Looking into the present scenario when remaining financially stable is a big question, protection to people in their financial troubles become paramount and stonehavenlaw.com always remains one step ahead to make the advice seeker aware of the advantages of filing Chapter 7 Bankruptcy or what to do in situations when bankruptcy has been filed earlier. More on the Chapters of Bankruptcy, the advice on how to maintain most of the property and assets when filing for bankruptcy and the decision of whether to file Chapter 7 Bankruptcy can be left on the attorneys at http://www.stonehavenlaw.com/CHAPTER7_BANKRUPTCY.html

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Bankruptcy law California

Rancho Cucamonga, CA -- (SBWIRE) -- 11/19/2009 -- Stonehavenlaw.com, the online legal advisory, provides much helpful guidance to follow bankruptcy law California in the rightful and legal manner. There are numerous questions and doubts that often arise when filing petitions to solve legal matters related to debt clearance and to stop foreclosures. It is difficult at times particularly when a person is negligent to the laws governing the state of California. Stonehavenlaw.com, owned by Stone Haven Law Group, LLC, has its head office at Rancho Cucamonga, California, that best describes the bankruptcy laws governing the state.

According to Anudeep Kaur Singh, Attorney, Stone Haven Law Group LLC, "It's important to note the essentials of bankruptcy law California. The bankruptcy Q & A section at Stonehavenlaw.com clarifies all related queries and doubts that arise before filing bankruptcy. At the Stone Haven Law Group, we believe it is important for you to know your rights and options. We will listen to you and work diligently to achieve the best course of action to meet your goals. Bankruptcy Q & A given in the site states that any person 18 years or older may file bankruptcy, regardless of their citizenship status. Married couples can do so jointly or individually. This and more on bankruptcy law California specifically on questions regarding the time period to receive another bankruptcy discharge if previously filed for bankruptcy, court fees and exemptions etc everything is explained in detail in this section, presented as a separate category in Stonehavenlaw.com."

Stonehavenlaw.com also offers Bankruptcy timeline information to refer, before filing any of the chapters of Bankruptcy. The category on this and other related topic explain things to do 180 days before bankruptcy is filed, 0 days when bankruptcy is filed, What to do 15 days, 30 days, 4-6 weeks after bankruptcy is filed and days before meeting and months before discharge and what are the important documents to carry for a consultation meeting with the attorney in charge. The Attorneys at Stonehavenlaw.com can be reached at (909) 457-8200 OR at 1-877-376-MODIFY (TOLL FREE). Helpful resources that solve legal issues coming under Bankrupcty law California and on other topics are accessible at http://www.stonehavenlaw.com

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A person can be in the affirmative to file bankruptcy on the basis of the Chapter information given under the resources link that tells more of the Title 11 of the United States Bankruptcy Code and Bankruptcy Law California pertaining to them.

Rancho Cucamonga, CA -- (SBWIRE) -- 11/18/2009 -- Stonehavenlaw.com, a Stone Haven Law Group LLC, law firm is at it's best in providing with legal advice to clarify doubts regarding chapters on bankruptcy, bankruptcy timeline and essentials FAQs. Leading attorneys are ready to guide you through with legal issues pertaining to filing a Bankruptcy. The website informs about Bankruptcy as being one such solution to resolve foreclosures issue or at least put it to a stay as per the Bankruptcy Law California. The website has categorized services into many different sections so at to give a clear cut idea of other issues on Debt negotiations, Immigration law, Foreclosures, loan modifications etc.
"We will listen to you and work diligently to make you aware of the Title 11 of the United States Bankruptcy Code to read the specific laws that aim to provide you with a fresh start. Bankruptcy is the federal court process of helping individuals deal with their debt, either through liquidation or reorganization. The various chapters in the Title 11 of the United States Bankruptcy Code can give you a detailed analysis of the subject matter to give a proper understanding of the Bankruptcy Law California under the code and relevant chapters. "Says, renowned bankruptcy attorney, Anudeep Kaur Singh.
By the time an advice seeker finishes to browse through Stonehavenlaw.com he will be able to stop foreclosures, wage garnishment, lawsuits, creditor harassment and repossessions with full legal support. It therefore help eliminate credit card debt, medical Bills, Utility Bills, Deficiency Judgments, Personal Loans, Junior Loans and many more. Specific Bankruptcy law California which protect you from creditor harassment, to save on the credit cards and to keep certain parts of property by entering into a reaffirmation agreement. Other topics of grave importance such as the Debt negotiation regarded as an alternative to Bankruptcy Law California to significantly reduce the total amount of debt owed to the creditors are dealt with in this website. Particular circumstances can be discussed with the attorneys available online. A visit is therefore a necessity at http://www.stonehavenlaw.com

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Online consultancy on legal matters pertaining to bankruptcy including the choice of Chapter 7 & 13 bankruptcy are best sorted by the bankruptcy attorneys at stonehavenlaw.com

Rancho Cucamonga, California -- (SBWIRE) -- 10/12/2009 -- Stonehavenlaw.com, STONE HAVEN LAW GROUP, LLC venture, has an expert team of Bankruptcy attorneys to help with bankruptcy issues. Bankruptcy is the federal court process of helping individuals deal with their debt, either through liquidation or reorganization, under the protection of the bankruptcy court. While there are many chapters in the bankruptcy code, which one is the best suited is well determined by a bankruptcy attorney. Bankruptcy creates an automatic stay that serves to stop, or put a hold on all legal actions and proceedings that a debtor is facing. This includes a foreclosure proceeding.

Sahaar Ann Azariah, of STONE HAVEN LAW GROUP, LLC, comments on this issue and says, "The most common bankruptcy sections for distressed homeowner searching for temporary or permanent relief are Chapters 7 and 13. The debtor's legal liability to pay unsecured debt is totally eliminated in Chapter 7 bankruptcy but in Chapter 13 debtor's unsecured debt does not get eliminated leaving on option for the debtor to repay a portion of the debt."

It is best to seek services of a bankruptcy lawyer when facing any difficulty in declaring bankruptcy and starting over again. Bankruptcy proceedings have to be initiated and proceeded in adherence to all relating legal laws and requirements and is known by a bankruptcy attorney. Filing of a Chapter 7 bankruptcy petition will halt foreclosure proceedings, wage garnishment, creditor harassment, and other causes of stress for distressed homeowners. A Chapter 13, on the other hand, can stop a foreclosure proceeding permanently. A Chapter 13 bankruptcy consolidates debt and reorganizes it into an affordable monthly payment plan approved by the court. In order to determine the best one it is worthwhile to consult a bankruptcy attorney at http://www.stonehavenlaw.com.

Company Profile:-
The Stone Haven Law Group, LLC, is a legal website providing best advice on bankruptcy issues by a bankruptcy attorney can help curtail foreclosures.

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Tips to Avoid Foreclosure Rescue and Loan Modification Scams

Rancho Cucamonga, CA -- (SBWIRE) -- 08/07/2009 -- Given the current state of the economy and the rising unemployment rate, many homeowners are facing financial distress and foreclosure. For these homeowners, struggling to make their mortgage payments, the optimal way to save their home is to work out a mutually beneficial payment plan with their lender, or to revise the terms of their original loan agreement in order to make more manageable monthly payments. Unfortunately, banks and lenders have been overwhelmed with loan modification requests and are very difficult to work with.

This crisis has created an entire market of scammers and fly-by-night modification companies who promise to stop foreclosure and save homes. While seeking assistance is often necessary, homeowners need to be beware of these "companies." The following is a list of tips to avoid foreclosure rescue/loan modification scams:

1) Beware of companies that charge all their fees up front and offer no money back guarantees. Some companies charge upwards of $7500 upfront to do a loan modification, and keep all that money even if they are unable to do anything. It's therefore important to look for a company that offers a money-back guarantee or other payment alternatives, and if they do collect fees upfront, an enquiry should be made on where those fees are going.
2) Beware of companies that are not law firms. Attorneys are regulated by state bar associations and risk losing their licenses if they are engaged in scams. A homeowner has no recourse against non-legal modification services. To make sure it is a law firm, he or she should ask for an attorney's license number and do the required research.
3) Beware of companies that do not have an office or are unable to meet in person. Full verification is necessary regarding whether the company has a physical office and makes an appointment to meet in person before anything else.
4) Beware of companies that sound too good to be true. Any company that makes promises and guarantees as to an outcome is just telling what he or she wants to hear in order to get money. It's worth remembering that there is a third party involved (your lender) who makes the final decision.
5) Beware of companies that tell you to make your mortgage payments to them instead of to your lender. Many companies claim that they will be putting their fees towards mortgage payments. This is not usually the case, and one should get the lender's approval before agreeing to this.

The Stone Haven Law Group is, therefore, a reputable law firm specializing in the field of loan modifications and bankruptcy law. To speak with an attorney regarding home and mortgage, contact Stone Haven Law Group at 909 457 8200, or a must visit is necessary at http://www.stonehavenlaw.com.

E-mail: info@stonehavenlaw.com

Company Profile:-
The Stone Haven Law Group, LLC, a law firm, with its office in California, make us aware of the loan modification scams carried forward by a large mass of scammers and fly-by-night companies and offers tips to avoid loan modification scams.

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A program initiated by Obama Administration

Rancho Cucamonga, CA -- (SBWIRE) -- 07/06/2009 -- Many hardworking homeowners are struggling to make their monthly mortgage payments, and are sincerely trying to reach a mutually beneficial agreement with their lenders for the chance to not only stay in their homes but to pay lenders the money owed to them. Unfortunately, today's economic conditions make reaching to such an agreement, a very daunting task. Jaded by the promises of fly-by-night loan modification companies, and confused by the explanations of attorneys trying to sell their services, many homeowners are left in the dark about the mortgage options available to them. Yet one very solid option that each borrower and lender should at least consider is the Making Home Affordable (MHA) Plan. It has been proven from personal experiences that this program has successfully helped homeowners stay in their homes.

The Making Home Affordable Plan is a program created by the Obama Administration, and it is aimed at keeping millions of responsible families in their homes. It provides incentives to qualifying lenders, encouraging them to work out loan modifications and refinancing for homeowners instead of opting for foreclosures. It also provides incentives for qualifying borrowers, encouraging them to stay as current on their mortgage payments as possible. The Making Home Affordable Program has a refinance program (Home Affordable Refinance) and a loan modification program (Home Affordable Modification). The MHA also has a Second Lien Program, which works to reduce second mortgages in addition to first mortgages.

How does Making Home Affordable work? There are many aspects to MHA, but one key feature is the incentives it provides to both lenders and borrowers. The Treasury helps lenders/investors and servicers reduce homeowners' monthly mortgages. First, lenders must reduce mortgage payments to 38% of a homeowner's monthly income. Then, the Treasury matches the lender's additional reductions dollar for dollar until the mortgage payment reaches 31% of the borrower's monthly income. The Treasury also encourages homeowners to stay current on the monthly mortgages. Borrowers can receive a "Pay-for-Performance Success Payment" which gives the borrower $1,000 each year for up to five years, as long as the borrower is current on their monthly payments. This money goes toward reducing the principal.

How to qualify for Making Home Affordable Plan?

Some general preliminary qualifications include the following: The loan must have originated before January 1, 2009 and must be owned or guaranteed by Fannie Mae and Freddie Mac. Borrowers must be owners who occupy the property, and the unpaid balance on the property cannot exceed $729,750 (for one to four unit properties). The borrower's mortgage payments must exceed 31% of their gross monthly income and the borrower must be experiencing economic hardship. Detailed program guidelines can be found on the Making Home Affordable website at http://makinghomeaffordable.gov/

For more information on the Making Home Affordable Plan, or to determine whether a person qualifies for the plan, the attorneys at the Stone Haven Law Group could be reached at 1 (877) 376 – MODIFY (6634), or a must visit at http://www.stonehavenlaw.com would be the best option.

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Measures to Avoid Foreclosures

Rancho Cucamonga, CA -- (SBWIRE) -- 06/30/2009 -- RealtyTrac's annual U.S. Foreclosure Market Report for 2008 indicates that 2,330,483 properties nationwide entered some stage of foreclosure. This would amount to an 81 percent increase from 2007 and 225 percent higher than the total number in 2006. The statistics for 2009 are looking even steeper, and there are no signs of relief in the near future.

With these unfortunate statistics, homeowners need to know their legal rights and options.

If a person is struggling to make home payments and may be facing foreclosure, the most obvious way to save his or her home, is to work out a mutually beneficial payment plan with your lender, or to revise the terms of original loan agreement in order to make manageable mortgage payments to the lender.

Loan modifications can be done whether or not a person is behind in the loan payments, based on his or her financial situation, current hardship, and ability to make smaller payments.

Additionally, there are a number of state and federal laws in place that are meant to protect borrowers from engaging in unfair lending practices. Unfortunately, many borrowers are unaware that they have been the victims of predatory lending practices. The best way to determine whether or not a person have been the victim of predatory lending is to have a forensic loan audit done on your original loan documents.

If someone have been a victim of predatory lending, he or she may have the right to file a lawsuit against the lender and to put a stop to the foreclosure process for the duration of the suit. When combined with a loan modification, predatory lending violations provide leverage to homeowners in their negotiations with the lenders as well.

Finally, if a person is finding it difficult to make your monthly mortgage payments because he or she is drowning in additional debt, and he or she may not even be able to make a modified payment amount, bankruptcy may be the best option. Bankruptcy not only puts an immediate stop on the foreclosure process, but it also gives the opportunity to start fresh on the finances.

For more information on foreclosure defense, or to determine and pursue the best option available, the attorneys can be contacted at Stone Haven Law Group at 1 (877) 376 – MODIFY (6634), or by visiting at http://www.stonehavenlaw.com.

Company Profile:-
The Stone Haven Law Group, LLC, a law firm, strives to give the most comprehensive legal advice for particular financial situations with efficient attorneys offering consultation services to avoid foreclosures and bankruptcy.

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