Personal Injury

Insurance companies know that there is a bite behind our bark and that we will continue to fight your case through a jury verdict!

For many, hiring a personal injury is both a bad time in their life as well as a sense of relief. On one hand, this decision means that you or a loved one has been seriously injured due to the negligence of another party.On the otherhand, it is nice to know that you finally have a professional in personal injury on your side that can help you receive the compensation you need and deserve for current and future medical expenses and to cover any property damage that was the result of your accident. Our personal injury attorneys understand that personal injuries affect the lives of the injured and their loved ones, especially if the injured person was the main source of income for the household. We provide aggressive representation in negotiations or at trial. Our fees are based on the success of your case. You pay us nothing unless we recover compensation for you.

• Auto Accidents
• Slip & Fall
• Product Liability
• Dog Bites
• Major Injury & Wrongful Death Cases
• Motorcycle Accidents
• Pedestrian Accidents
• Defective Products
• Truck/Bus Accidents
• Bicycle/Pedestrian accidents
• Accidentes De Autos
• Trailers* Motos
• Bicicletas
• Peatones
• Caidas y Resbalones
• Mordidas de perro

*We take cases seriously! Call us today for a consultation (805) 240-2655.

Foreclosure Defense

When people fall behind on their mortgages, banks or other types of creditors will initiate foreclosure proceedings. For most people, being served with a notice of foreclosure is frightening and also overwhelming as people are scared of losing their homes. However, efore you panic, you should know that you have legal rights and also have alternative options.

We will sue your lender/and or servicer for wrongful foreclosure, seek a restraining order from the court to stop the foreclosure sale, and use the lawsuit and injunction as leverage to negoitate a loan modification from your lender. If you are facing the loss of your home or fear that you may soon be facing a foreclosure, our firm can help you to develop a strategy that may include defending against the foreclosure, negotiating a modification, refinance, or short sale, or implementing a strategic default plan.

We will sue your lender/and or servicer for wrongful foreclosure, seek a restraining order from the court to stop your eviction, and use the lawsuit and injuction as leverage to rescind the foreclosure sale and to negotiate a loan modification from your lender.

Depending on our analysis of the homeowner's case and the result of our negotiation with his or her lender, we will advise the homeowner on which foreclosure defense option would be most favorable for the homeowner. With our expereince in loan modification, short sale, deed in lieu and cash for keys, we are confident that we will be able to determine which option is best, as well as negotiate the best terms. Our firm's primary focus is to protect individual's rights and save their homes. We will do everthing that it takes to ensure a positive outcome when dealing with you bank. That is why the Law Office of Emmanuel F. Fobi is one of the most trusted firms in real estate law

Loan Modification

Our firm will request that the investor or insurer approve the capitalization of delinquent interest, escrow shortgage, and legal fees. If you qualify, our firm will work towards ensuring your interest rate is reduced and/or there is an extension of the term of your loan. We have been sucessful in reducing the princiapal balance by up to $180,000.00.

Some Lenders will allow borrowers to complete a short refinance. A short refinance allws the borrower to refinance the mortgage property to a new affordable loan, at a loan amount less than the current loan balance owed. The lenders consider the fair market value(FMV) of the property and loans at a percentage of the FMV. Your credit and income have to be satisfactory for this to be a practical option.

If your loan balance is higher than your property value, the investor/and or insurer may accept a reduced amount towards satisfaction of debt upon the sale of the mortgage property to a third party. Our firm assists our clients with the process of completing the short sale. The benefit to the lender is the ability to dispose of the mortgaged property without the costs and expenses of the foreclosure process and without the costs and expenses of the marketing and selling of the property. The benefit to the borrower includes the ptentail to avoid a judement.

If you have been unsuccessful in your efforts to sell your home, the investor and/or insurer may consider accepting a deed to your property in lieu of foreclosure. Our firm assists our clients with the process of completing the deed in lieu of foreclosure. the Deed In- Lieu of foreclosure permits the lender to gain ownership and possession of the property quickly and at a lower cost than obtaining the same property through foreclosure. The borrower is able to avoid a foreclosure.

Real Estate Litigation

The foreclosure defense law office assists clients in all statges of the pre-foreclosure and foreclosure process.

Q. Can I win a foreclosure? Yes

Q. Do I need a forclosure Attorney? Your bank has hired a California attorney to assist it. Why shouldn't you?

Q. If I can't pay my full mortgage payment can you help? Yes

Q. If I am upside down on my mortgage, can the foreclosure defense law office help? Yes