by Jill Sullivan | Sep 24, 2025 | Foreclosure, Litigation, Loss Mitigation
Homeowners associations (HOAs) play a central role in maintaining common interest communities across California. When homeowners fail to pay assessments, HOAs have the authority to place liens on properties and enforce them through foreclosure. While creditors are...
by Jill Sullivan | Sep 22, 2025 | Bankruptcy
Bankruptcy law creates a structured process that aims to balance the interests of debtors who seek a fresh start with those of creditors who are entitled to repayment. Within this framework, one of the most powerful tools available to creditors in Chapter 7 consumer...
by Jill Sullivan | Sep 15, 2025 | Bankruptcy, Litigation
When a debtor files for bankruptcy, a new legal entity called the bankruptcy estate is created. For creditors, this estate is at the center of the entire process. It determines what assets are available for repayment, how claims will be treated, and ultimately how...
by Jill Sullivan | Sep 10, 2025 | Bankruptcy, Litigation
When a borrower defaults on a loan, creditors are often faced with critical decisions about how to proceed. Among the most common issues are whether the borrower should reinstate the loan or pay it off in full. Both options have distinct consequences, timelines, and...
by Jill Sullivan | Sep 5, 2025 | Loss Mitigation
Loss mitigation proposals play an important role in modern bankruptcy and foreclosure proceedings. For creditors, these proposals represent both risk and opportunity. The borrower may offer loan modifications, forbearance plans, repayment agreements, or even short...
