How to Avoid Foreclosure in California, 2012 Edition
()
About this ebook
Are you facing foreclosure? Learn the facts and your options on what you can do about it! Get the latest information on the 2012 laws affecting distressed California property owners. This book includes practical solutions in easy to understand terms on the options available to distressed California residential and commercial property owners. The Property Owners' Options Chart is a quick "thumbnail" showing each property type and the various options from which to choose. Detailed explanations are given for each property type. It also includes valuable information about: - 2012 California legislation impacting distressed property owners; - How to walk away from your home with money in your pocket; - How distressed property owners can fall victim to lawsuits; - Foreclosure scams to collect on purchase money; - Tax consequences if you fail to file a 1099 A or C. This book is an essential tool for anyone at risk of foreclosure. Real estate agents, brokers, and loan professionals need this book, as it is their duty to insure clients are fully advised of all their options. How to Avoid Foreclosure in California, 2012 Edition was written by California real estate trial attorney Howard L. Hibbard, who, for over 30 years has handled hundreds of cases related to complex real property matters from construction defect to foreclosures. In addition, Mr. Hibbard's expertise is in business law, litigating corporate issues, as well as bankruptcy adversary actions.
Howard Hibbard
Howard L. Hibbard is owner and principal attorney of the Law Office of Howard L. Hibbard, founded in 1979. With over 30 years experience as a trial attorney in both state and federal courts, his primary focus has been on commercial and residential real estate matters, including construction defect lawsuits. In addition, his clients rely upon him for business law, corporate and insurance litigation, debt collection, bankruptcy adversary actions, labor relations and elder law. He has extensive experience in real estate and construction defect litigation, with a case history of achieving multi-million dollar settlements involving large housing developments, commercial properties and condominium complexes. He has served as chief legal counsel for a major soil engineering company since 1981, where he has handled lawsuits involving housing developments with as many as 250 homes in a single case. Mr. Hibbard is also author of The Legal Pitfalls of Short Sales and Foreclosures, and teaches seminars on how to avoid foreclosure through loan modification programs, and other important information on buying and selling distressed properties.
Related to How to Avoid Foreclosure in California, 2012 Edition
Related ebooks
How To Survive A Short Sale Rating: 0 out of 5 stars0 ratingsAmerican Foreclosure: Everything U Need to Know About Preventing and Buying Rating: 0 out of 5 stars0 ratingsThe Foreclosure Buyers Bible Rating: 0 out of 5 stars0 ratingsHow to Get Out of Foreclosure with a Loan Modification Rating: 5 out of 5 stars5/5Loan Modifications, Foreclosures and Saving Your Home: With an Affordable Loan Modification Agreement Rating: 0 out of 5 stars0 ratingsSurvival Strategies for Foreclosure Rating: 0 out of 5 stars0 ratingsThe Home Saving Bible - Retaining Wealth Through the Pandemic Rating: 0 out of 5 stars0 ratingsProperty Management by Scott Bolinger Rating: 0 out of 5 stars0 ratingsForeclosure Survival Guide, The: Keep Your House or Walk Away With Money in Your Pocket Rating: 0 out of 5 stars0 ratingsThe Foreclosure Workbook: The Complete Guide to Understanding Foreclosure and Saving Your Home Rating: 0 out of 5 stars0 ratingsDefeat Foreclosure: Save Your House,Your Credit and Your Rights. Rating: 0 out of 5 stars0 ratingsUnderstanding Land Contract Homes: In Pursuit of the American Dream Rating: 0 out of 5 stars0 ratingsMultiple Income Streams for Real Estate Agents and Brokers: A step-by Step Guide to Making Money in the Real Estate Market Rating: 0 out of 5 stars0 ratingsShort-Sale Pre-Foreclosure Investing: How to Buy "No-Equity" Properties Directly from the Bank -- at Huge Discounts Rating: 0 out of 5 stars0 ratingsUse Foreclosure Law: Second Edition 2012 Rating: 0 out of 5 stars0 ratingsBringing Closure to Foreclosure Rating: 0 out of 5 stars0 ratingsReal Estate Investors Investing In Probates Rating: 4 out of 5 stars4/5Foreclosure Investing - Buying Bank-Owned Properties (REOs) Rating: 0 out of 5 stars0 ratingsThe 250 Questions Everyone Should Ask about Buying Foreclosures Rating: 0 out of 5 stars0 ratingsThe Secrets to Renting Your Home the Right Way Rating: 0 out of 5 stars0 ratingsReal Estate Residual Income Opportunities Rating: 0 out of 5 stars0 ratingsHomeowner's Answers to Real Estate Questions Rating: 0 out of 5 stars0 ratingsThe Truth About Lending: Ten Steps for Home Buyers Rating: 0 out of 5 stars0 ratingsThe Bank is Not Your Friend: A Small Business Owner's Guide to Financial Survival During Good and Bad Times Rating: 0 out of 5 stars0 ratingsThe Complete Guide to Investing in Foreclosures Rating: 0 out of 5 stars0 ratingsOntario Tax Sale Property Buyer's Guide Rating: 3 out of 5 stars3/5
Business For You
Company Rules: Or Everything I Know About Business I Learned from the CIA Rating: 4 out of 5 stars4/5Never Split the Difference: Negotiating As If Your Life Depended On It Rating: 4 out of 5 stars4/5Law of Connection: Lesson 10 from The 21 Irrefutable Laws of Leadership Rating: 4 out of 5 stars4/5The Richest Man in Babylon: The most inspiring book on wealth ever written Rating: 4 out of 5 stars4/5Becoming Bulletproof: Protect Yourself, Read People, Influence Situations, and Live Fearlessly Rating: 4 out of 5 stars4/5Collaborating with the Enemy: How to Work with People You Don't Agree with or Like or Trust Rating: 4 out of 5 stars4/5The Introvert's Edge: How the Quiet and Shy Can Outsell Anyone Rating: 4 out of 5 stars4/5On Writing Well, 30th Anniversary Edition: An Informal Guide to Writing Nonfiction Rating: 4 out of 5 stars4/5Wise as Fu*k: Simple Truths to Guide You Through the Sh*tstorms of Life Rating: 5 out of 5 stars5/5Your Next Five Moves: Master the Art of Business Strategy Rating: 5 out of 5 stars5/5Set for Life, Revised Edition: An All-Out Approach to Early Financial Freedom Rating: 4 out of 5 stars4/5Capitalism and Freedom Rating: 4 out of 5 stars4/5The Intelligent Investor, Rev. Ed: The Definitive Book on Value Investing Rating: 4 out of 5 stars4/5The Hard Thing About Hard Things: Building a Business When There Are No Easy Answers Rating: 4 out of 5 stars4/5The Five Dysfunctions of a Team: A Leadership Fable, 20th Anniversary Edition Rating: 4 out of 5 stars4/5Grant Writing For Dummies Rating: 5 out of 5 stars5/5Emotional Intelligence: Exploring the Most Powerful Intelligence Ever Discovered Rating: 4 out of 5 stars4/5Real Artists Don't Starve: Timeless Strategies for Thriving in the New Creative Age Rating: 4 out of 5 stars4/5Stimulus Wreck: Rebuilding After a Financial Disaster Rating: 4 out of 5 stars4/5Robert's Rules of Order: The Original Manual for Assembly Rules, Business Etiquette, and Conduct Rating: 4 out of 5 stars4/5Robert's Rules Of Order: QuickStudy Laminated Reference Guide Rating: 5 out of 5 stars5/5The Energy Bus: 10 Rules to Fuel Your Life, Work, and Team with Positive Energy Rating: 3 out of 5 stars3/5Financial Words You Should Know: Over 1,000 Essential Investment, Accounting, Real Estate, and Tax Words Rating: 4 out of 5 stars4/5The Book of Beautiful Questions: The Powerful Questions That Will Help You Decide, Create, Connect, and Lead Rating: 4 out of 5 stars4/5The Art Of Critical Thinking: How To Build The Sharpest Reasoning Possible For Yourself Rating: 4 out of 5 stars4/5Tools Of Titans: The Tactics, Routines, and Habits of Billionaires, Icons, and World-Class Performers Rating: 4 out of 5 stars4/5
Reviews for How to Avoid Foreclosure in California, 2012 Edition
0 ratings0 reviews
Book preview
How to Avoid Foreclosure in California, 2012 Edition - Howard Hibbard
How to Avoid Foreclosure in California, 2012 Edition
An Easy Guide to Saving Your
Property or Walking Away With Cash
Howard L. Hibbard
Copyright © 2012 by Howard L. Hibbard.
Smashwords Edition
Copyright © 2012 by Howard L. Hibbard.
All rights reserved. No part of this book may be reproduced–mechanically, electronically, or by any other means, including photocopying, recording or any other information storage and retrieval system–without the written permission of the publisher.
Published by Cheka Press
251 Park Road, Suite 800
Burlingame, CA 94010-4232
Book designed and edited by Brenda Krauss.
For legal services regarding complex real property matters from construction defect to foreclosures, or business litigation from corporate issues to bankruptcy adversary actions, please contact:
Law Office of Howard L. Hibbard
251 Park Road, Suite 800
Burlingame, CA 94010-4232
Tel: (650) 347-5010
Fax: (650) 347-5011
www.HLHibbardAttorney.com
Table of Contents
Introduction
Distressed Property Owners Options Chart
1. Single Family Dwelling, Owner Occupied, Purchase Money First
2. Single Family Dwelling, Owner Occupied, Purchase Money First, and Second Loans
3. Single Family Dwelling, Owner Occupied, Purchase Money First and Second Loan (Line of Credit) Obtained at Purchase of Home
4. Single Family Dwelling, Owner Occupied, Refinanced First and/or Second Loan
5. Single Family Dwelling, 2nd Home or Vacation Home
6. Residential Property, 4 Units or Less, Owner Occupied, Purchase Money Loans
7. Commercial Residential Property
8. Commercial Business Property
9. Walk Away From Your Home with Cash in Your Pocket and No Tax or Deficiency Liability
10. Mortgage Forgiveness Debt Relief Act of 2007 and California Conformity Act of 2010 Expire on December 21, 2012
11. Senate Bill 94 Advance Fees for Loan Modifications Now Prohibited
12. Senate Bill 931 and 458 Forgive All Debt After a Short Sale
13. Gave My House Keys to the Bank — Now I’m Being Sued!
14. Foreclosure Scams to Collect on Purchase Money 2nd or 3rd Deeds of Trust
15. Distressed Property Owners Who Receive a 1099-A, 1099-C May Face