Services

Our primary focus is in Real Estate foreclosures and acquisitions of 1st and 2nd mortgages. We want to provide you with a hassle-free and pleasant experience no matter what service we are providing. Our goal is to help you with your needs. We have experience dealing with a variety of mortgage problems and are well known by both the attorneys and mortgage companies in the area.

Thinking about bankruptcy? Think Twice!

FACT:
Year in and year out over 78% of all people who file Chapter 13's are kicked out of the plan with no protection!

Why?
One reason is that once you have filed bankruptcy, you can be kicked out of the program if you are literally one day late with any of your payments. Once you've filed for bankruptcy you are entangled in the court system, which has NO GRACE. The payment must be in on the exact day due WITHOUT FAIL. Over 78% of all people who file Chapter 13 end up slipping up and being kicked out.

Q: Why are Chapter 13 payments so high?
The past due payments have compounding interest, with accumulating legal fees and trustee fees. The most common feedback heard is that people have this huge payment to make to the court and yet the balance never seems to go down - you never really seem to get ahead.

Q: Attorneys have sent me information saying that Chapter 13 is the only way that I can save my home. They tell me if my lender isn't being cooperative that I have no other options. Is this true?
This is not true!

Keep in mind, bankruptcy attorneys tend to have "tunnel vision" as to how to deal with foreclosure. Is it surprising to you that a bankruptcy attorney would be telling you the best solution for you is bankruptcy?

Q: Why is entering the Lease/Option Program a better solution than Chapter 13? FACT:
The majority of our of clients who enter into lease/option agreements with Rush Properties end up completing their plans successfully and actually keep their home. If you are interested in SAVING your home with a real solution for the long term, then there is no question that the lease/option program is for you.

We can help
It's easier than you think. This can be done even if the mortgage company has denied payment arrangements with you or told you full payment is your only option.

TERMINOLOGY LIST

Bankruptcy
A debtor that, upon voluntary petition, is judged legally insolvent. The debtors remaining property is then administered for the creditors or is distributed among them.

Breach The failure without legal excuse to perform any promise made in a contract. A breach is stated in the notice of default.

Deed of Trust A written document, describing the real property that is being given as security for the repayment of an obligation.

Equity of Redemption The right of a defaulting mortgagor to redeem the mortgaged property before an absolute foreclosure.

Equity 1. a. The money value of a property or of an interest in property in excess of any claims or liens (as mortgage indebtedness) against it. 1.b. The difference between the market value of a property and the claims held against it.

Tax Lien A statutory lien on property for taxes due giving the taxing authority a security interest in the property.

First Lien A lien taking precedence over all other claims, charges or encumbrances of the same general category but not necessarily over those (as taxes) imposed by government sanction.

Judgment Lien A lien acquired against the property of a debtor by a creditor upon obtaining a favorable judgment.

Mortgage A temporary, conditional pledge of property to a creditor as security for performance of an obligation or repayment of a debt.

Foreclosure (non-judicial) A popular term used to describe the procedure followed in enforcing a creditor's rights when a debt secured by any lien on property is in default; however, the correct term for a "Foreclosure" involving a deed of trust is a "Trustee's Sale Proceeding."

Junior Lien A lien that is lower in priority relative to other liens.

Notice of Trustee's Sale A written document that sets forth the day, date and time of the trustee's sale, describes the property to be sold and gives an estimate of the opening bid. This document is prepared by the trustee and does not require the acknowledgment of a notary public must be recorded with the county recorder in the county in which the property is located at least 14 days prior to the scheduled sale date. We must arrange for the notice of trustee's sale to be published in a qualified newspaper in the city (or judicial district), in which the property is located. This publication must appear for 3 consecutive weeks, with the first publication date being at least 20 days prior to the scheduled sale.

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