by Jill Sullivan | Jul 28, 2025 | Bankruptcy, Legislation, Litigation
2025 has already brought a wave of change for creditors, and we’re only halfway through the year. New case law is redefining what’s enforceable in debt restructurings. Proposed legislation could completely overhaul the consumer bankruptcy process. Long-standing...
by Jill Sullivan | Jul 22, 2025 | Bankruptcy, Litigation
The Consumer Bankruptcy Reform Act of 2025 (CBRA) is one of the most significant proposed changes to the U.S. Bankruptcy Code in decades. Introduced with the goal of simplifying bankruptcy for individual consumers and increasing access to debt relief, the legislation...
by Jill Sullivan | Jul 16, 2025 | Foreclosure
The term “pre-foreclosure” often evokes thoughts of loss and uncertainty, but for creditors, it represents a critical phase of opportunity, strategy, and legal maneuvering. Pre-foreclosure is the period between a borrower’s default and the formal initiation of...
by Jill Sullivan | Jul 14, 2025 | Bankruptcy, Litigation, Loss Mitigation
For secured creditors, lien priority is everything. Whether you are holding a deed of trust, a UCC filing, or a judgment lien, your position in the payment waterfall determines whether you recover your collateral or walk away with nothing. When a borrower defaults and...
by Jill Sullivan | Jul 7, 2025 | Foreclosure, Litigation
California’s real estate market is one of the most complex in the nation, and when it comes to foreclosure law, creditors holding subordinate mortgage interests must navigate a particularly challenging legal landscape. While first-position lenders often have a clear...
