Julius Rivera Law

The largest part of our business is represenatation of CONSUMER BANKRUPTCY Debtors. This field of practice has been rewarding to us because it actually changes peoples lives for the better in a relatively short period of time. Debt is often debilitating. The filing of a Bankruptcy petition provides for automatic and immediate protection for you, your income and your assets. There are many options and tools that can be used in Bankruptcy to solve Debt problems that have an extremely high probability of success. MORTGAGE MODIFICATION, is the newest powerfull tool that we have in the Bankruptcy proceedings. While mortgage modification results cannot be guaranteed , the results in the Bankruptcy Court are much more favorable than outside of the Court. SECOND MORTGAGE ELIMINATION is also a powerfull tool available in the Bankruptcy Court. If the market value of your home is less than what the pay-off balance is on your first mortgage, we can obtain a court order eliminating the second mortgage from your home.