Practice Areas
Most matters begin by determining the present status of the loan or foreclosure, any immediate deadlines, what the creditor is claiming, and what documents and information are needed to evaluate the available options. Armando Montalvo reviews those issues personally with each prospective client, beginning with a free consultation.
Foreclosure Defense
The firm reviews the foreclosure complaint, loan documents, payment history, servicing records, and assignments to determine whether the party seeking foreclosure can establish its right to enforce the loan.
Learn more →HELOC & Second-Mortgage Foreclosure Defense
HELOCs and second mortgages raise their own questions: negotiable-instrument classification, chain of ownership, dormant "zombie" debt, and whether the amount claimed is actually correct.
Learn more →Mortgage Servicing
Servicing errors in payment application, escrow, or notices can shape a default determination long before a foreclosure is ever filed.
Learn more →Loan Modification & Loss Mitigation
Repayment plans, forbearance, and modification options depend on who owns or guarantees the loan, and should be coordinated with, not separated from, foreclosure defense strategy.
Learn more →Not sure which one applies to you?
Most people aren't, and that's exactly what the free consultation is for.