Torrance Foreclosure & Repossession Attorneys
Stopping Foreclosure and Repossession in Torrance
Are your debt problems jeopardizing your property? If you fall behind on
mortgage payments you could lose your house. If you miss a car payment,
your vehicle could be repossessed. At the
Law Offices of James C. Shields, we help people keep the property they have worked hard to purchase by
helping them seek the protections of
Chapter 13 bankruptcy. Let us put our skill and experience in bankruptcy law to work for you.
Here at the firm we provide aggressive foreclosure defense to clients in
and around the Torrance area.
Holding on to Your Property in California
At the Law Offices of James C. Shields, our foreclosure prevention attorneys
help people get out of debt by seeking the protections of Chapter 13 bankruptcy.
Chapter 13 will allow you to keep your home, your car and other valuable
property as long as you can adhere to a monthly payment schedule and pay
back your arrears. In the case of home foreclosure, it is important to
act in a timely manner, as there are strict timelines in place. If you
miss payments on your mortgage:
- A creditor will file a motion for relief from the automatic stay on your
mortgage foreclosure proceeding,
- The creditor will then file a notice of default, giving you 90 days to
cure the default.
- If you do not cure the default within 90 days, the creditor will then file
a notice of sale, giving you an additional 21 days to cure the default.
- If you miss that deadline, your home may be sold on the 21st day.
bankruptcy attorneys will guide you through the bankruptcy process, keeping you up
to date on all of the developments in your case, and making sure you take
all the necessary steps to avoid these creditor actions.
In California, creditors can repossess your car if you are late on payment
by a single day. They must, however, play by the rules and follow certain
procedures. They are required by law to send you a post-repossession notice,
which outlines how you can go about getting your property back. We will
carefully review your case to help you get your property back and ensure
that the creditors followed the law.
Schedule Your Free Consult with a Torrance Repossession Lawyer
If your car has been repossessed, we can help you explore your options
and take legal action.
Contact us to schedule your
free case review today either online or by telephone at