Lenders have entire departments for this. Now you have one too — lawyers who speak the bank's language, negotiate from strength, and price the work in writing before it starts.
Workouts, guarantees, settlements, and the fights that happen when lending goes wrong.
Renegotiating terms with your lender before default becomes disaster — payment restructures, extensions, and modifications.
Buying time in writing, on terms that actually protect you when the pressure is on.
Analysis and negotiation of personal guarantees — before you sign, or when the bank comes calling.
Negotiated settlements with creditors, priced per creditor, documented properly so it stays settled.
Security agreements, UCC filings, and perfection reviews for borrowers and small lenders.
When a lender crossed the line — wrongful foreclosure, breach of loan commitments, bad-faith conduct.
Every engagement is a flat fee in writing — no hourly billing, no retainers, no surprise invoices. You pay once by ACH or card when you sign, and you know exactly what each phase costs before it begins. Serving Los Angeles, Orange, San Diego, Riverside, San Bernardino, and Ventura counties.
Don't sign anything and don't make promises on the phone. Get the demand in writing and get counsel before you respond — early moves shape everything after. The case review is free.
In California a guaranty can reach personal assets, but guarantees are also full of defenses — sureties' rights, anti-deficiency interplay, and negotiated limits. Never assume it's enforceable as written.
Sometimes — it depends on how many creditors, how aggressive they are, and what you need to protect. We handle both, so our advice isn't biased toward either tool.
Every engagement is a flat fee agreed in writing — a loan workout, a forbearance negotiation, a guaranty defense each has one price, paid once. No hourly meter.