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Please fill out this form and fax it to us! This form simply allows us to take control of your situation and deal directly with the lender(s) in creating a better situation for you. TIME IS YOUR ENEMY so don't wait! Let us help you get back on track and negotiate the right deal for you!

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If you are facing foreclosure the best advice we can give you is ACT NOW!

Many people facing foreclosure simply do nothing and hope for a miracle. Don't fall into that trap!

Some homeowners seek advice from a lawyer (and why not - a lawyer is supposed to have all the answers, right?) Maybe, but then maybe not!

Some homeowners act on their lawyer's advice and file bankruptcy thinking that all their problems are now solved. Bankruptcy does put a hold on everything, yes, but all it buys you is a little time. The end result is almost always the property still goes to auction and you now have a bankruptcy in addition to the foreclosure on your credit report.

I'm sure you have been contacted by other investors, especially if the foreclosure has gone public. Unlike other investors, I will not take advantage of your unfortunate situation. I simply figure out a mutually beneficial solution so you can move on with your life!

Time is your enemy! If your house payments are more than a month or two behind, your lender has probably already started foreclosure proceedings. As time passes thousands of dollars in penalties and legal fees can be added to the balance you owe. And every single day extra interest is added!

The longer you wait, the harder it is for us to help you. To avoid this you must act quickly

In most cases, I can help you!

SCROLL DOWN & COMPLETE OUR FORM! A representitive will be in contact with you within 24 hours!

CALL (760) 644-0201

Free Consultation
CALL OR E-MAIL TODAY for a FREE no obligation consultation on how we can get you cash out of your house and save your credit from foreclosure before it is too late.

California Foreclosure Laws

Foreclosures in California are primarily administered out of court, although court foreclosures are allowed. Out-of-court foreclosures take about four months.

Judicial  Non-Judicial Process Period Sale Publication Redemption Period   Sale/NTS
YES         YES            117 Days       21 Days       365* Days           Trustee

Note: Judicial Foreclosures are not common

Pre-foreclosure Period

Court foreclosures only occur if a lender desires a deficiency judgment. This process gives a borrower up to one year to redeem the property after the foreclosure sale. It is recommended that the borrower find a way to resolve it, or get some foreclosure assistance.

In almost all cases, foreclosures are handled out of court. The process begins when a lender files a notice of default with the county recorder identifying the default amount and the date the borrower must pay off the default. The notice is mailed to the borrower and other affected parties.

Up to five business days before the trustee sale, the borrower may pay off the default plus any applicable costs of foreclosure and stop foreclosure. Three months after the notice of default is filed, the lender can schedule a trustee’s sale of the property.

Notice Of Sale / Auction

At least 20 days before the trustee’s sale, the notice of sale must be posted on the property and in one local public location. The notice is also published once a week for three weeks in a local newspaper, starting at least 20 days before the sale date. The notice is mailed to the borrower at least 20 days before the sale and to anyone who requests the notice. The notice must contain the date, time, and location of the sale, the property address, and the trustee’s contact information. In addition, the notice of sale must be recorded with the county recorder at least 14 days before the sale.

The trustee’s sale is a public auction and the property is sold to the winning bidder. The trustee may require bidders to pay the full bid amount in cash or cashier’s check. Anyone may bid at the sale, including the lender and any junior lien holders. A trustee’s sale may be postponed by announcement at the sale. If a sale is postponed more than three times, a new notice of sale must be issued.

After the sale is complete, the trustee transfers ownership to the winning bidder. The borrower does not have the right to redeem the property after the sale.

* Judicial Foreclosures Only

Input Your Information
* Name
* Email
* Daytime Phone
* Evening Phone
* Best Time to Call
* Property Street Address
* Property City
* Property State
* Property Zip Code
* Mortgage Type
* Mortgage Company Name
* Months Behind on Payments
* Default Amount
* Do you have a Sale Date?
If you have a sale date, what is the date?
* Do you have any other mortgages on the property?
* What is your Mortgage payment
* Have you filed for Bankruptcy?
* Please give us a brief description of your situation
* What would you like to see happen?

STEPHENS COMPANIES
413 S. Las Posas Dr. • San Marcos, CA 92078
Phone: (760) 591-4046 • FAX (760) 591-4067

D.R.E. # 01902975