Irvine, CA (PRWEB) September 21, 2012
Residents of California once again faced news of a rise in foreclosures in July, 2012. Statewide foreclosures rose 12.3% year-to-year for July 2012. This means that numerous California residents continue to face foreclosure, and are still looking at a host of problems as they try to save their main asset; their home.
It's not only homeowners in foreclosure! Recently, according to a local CBS news investigation, homeowners who have done everything correctly are finding themselves unwittingly foreclosed on, even though mortgage modifications were fully approved and paid on time every month. The system is out of control, which is part of the reason the law office of Victor Hobbs is offering initial free help.
One of the biggest problems homeowners in California face is predatory lending practices, along with a host of scams that affect their ability to save their homes. Knowing how hard these situations are for California residents, the law offices of Victor Hobbs will give anyone who needs legal advice a free consultation.
For many California homeowners, this can mean the difference between losing their home and filing for bankruptcy, or keeping their home and adjusting their mortgage payments. The Truth in Lending Act (TILA), Homeownership and Equity Protection Act (HOEPA), Real Estate Settlement Procedures Act (RESPA), and more recently the HARP Refinance Program, also known as the HARP Two Program, are some of the options available to residents of California who are currently facing foreclosure or bankruptcy.
Given the numerous legal options nationwide, many people are unaware of the legal avenues available to them, that will immediately stop the foreclosure proceedings. Few residents are aware that all legal actions against them or their home can be stopped immediately. Victor Hobbs is working to change that, and working to have residents of California understand all the different options available to them.
Victor Hobbs strives to make people aware of these options by offering a free consultation. With this free consultation he hopes to reach as many residents as possible, to ensure that they understand their legal rights.
For Victor Hobbs, one of the most egregious practices he sees on a regular basis in California, is the "Predatory Lending Practices" being used. People nationwide, with mortgages on their homes, are the prime targets for predatory lenders. Victor Hobbs wants all Californians to fight back against these illegal tactics.
Besides foreclosure and bankruptcy proceedings, the law office specializes in a number of different areas. This includes:
The Law Offices of Victor E. Hobbs is made up of a number of attorneys that specialize in different areas of law. Having a wide variety of lawyers allows consumers to be represented by the best in the business, according to their individual situation. Nationwide, the firm has represented numerous clients with cases ranging from simple litigation to high profile cases.
With a team of lawyers specializing in fraudulent, predatory lending and business practices, abusive practices, and bankruptcy, residents of California can be assured that they are being helped by some of the best legal minds in the business.
The Law Offices of Victor E. Hobbs can be contacted online at http://HobbsLegalSolutions.com or at the address and phone number below.
Law Offices of Victor E. Hobbs
17981 Sky Park Circle Suite C
Irvine, CA 92614