Los Angeles, CA -- (SBWIRE) -- 05/18/2015 -- There are still many California homeowners trapped in the foreclosure crisis, struggling to save their home. In the past, foreclosure was the worst possible situation for a homeowner. Fortunately, that's no longer the case as California created legal protection for borrowers trying to save their home. Borrower that are unable to keep up with mortgage payments may find that their lender is not willing to help. Anyone facing foreclosure should consult with an experienced foreclosure attorney to know what options are available and how best to proceed.

The inception of the California SB900 Homeowners Bill of Rights (HOBR) means that borrowers are now protected by law if they fall behind on their mortgage payments. The law very clearly protects owners of primary homes and explains their rights as home owners. Under the law, when a lender does not assist a borrower, it is possible to sue the lender who violates their rights.

The foreclosure laws in California can be complex and it is best to call a lawyer that can explain how to stop a foreclosure and how to save a home after a default.

As per the Home Owner Bill of Rights provisions, there are 3 common ways to stop a foreclosure:

1. Apply for a loan modification

Under the current laws, applying for loan modifications may stop foreclosure, provided that the modification application is not too late. Foreclosure attorney Los Angeles offices of Consumer Action Law Group advise to initiate the modification process at the earliest opportunity. Loan modifications do not involve litigation, and if done correctly can be an efficient and cost effective way to stop a foreclosure. Experienced foreclosure lawyers advise that borrowers apply directly, without paying for assistance, or look for a non-profit to assist with an application for modification.

2. Enter into a Bankruptcy

Another very effective way of stopping a foreclosure is to enter a Bankruptcy. Bankruptcy involves complex legal petitions, so it is best to hire a bankrutpcy attorney. Filing bankruptcy stops foreclosures immediately and is an excellent option for borrowers currently facing a foreclosure sale. Before filing bankruptcy, talk to a bankrutpcy attorney to learn about requirements and fees.

3. File a Lawsuit

Finally, filing a lawsuit against the lender is possible when the foreclosure laws are violated. Many lenders accept an application for modification and continue to move forward with the foreclosure process. That is called "Dual Tracking" and it is illegal. Under California law, lenders are also required to designate a specialist to help borrowers find solutions to avoid foreclosure. Lenders are also required to contact borrowers to help before the foreclosure process starts. Lenders are required to assist borrowers currently going through financial hardship before selling their house.

Most lenders are willing to listen to borrowers and will offer an application for a modification. However, many borrowers become victims of dual tracking and other legal violations. When foreclosure notices are sent out, it is best to call a foreclosure attorney to discuss options for avoiding foreclosure and possibly saving the home.

For borrowers that have been struggling to pay the mortgage, it is always best to contact the lender immediately to avoid foreclosure. For those who have not fallen behind on mortgage payments, the government has created a Home Affordable Refinance Program (HARP) which protects homeowners who qualify to refinance.

Contact a California foreclosure attorney
Consumer Action Law Group has skilled and highly qualified foreclosure attorneys able to help borrowers understand their rights and help them to make the right decisions in the phase of foreclosure. Contact the foreclosure lawyers and bankruptcy lawyers at Consumer Action Law Group today to discuss options for saving the home and avoiding foreclosure 818-254-8413.

For more information online, visit their website: http://www.ConsumerActionLawGroup.com

About Consumer Action Law Group
Consumer Action Law Group is a law firm dedicated to help consumers in consumer-related matters or consumers that experienced fraud and scam. Attorneys in the team are knowledgeable and experienced in the areas of eliminating debt, mortgages fraud, auto fraud, and foreclosures. They have direct experience in consumer fraud matters and helping consumers who are facing financial crisis, foreclosure, issues with employers, and problems with auto dealers.

For Media Contact:
Contact Person: Lauren Rode, Esq.
Telephone: 818-254-8413
Email: Lauren@consumeractionlawgroup.com
Website: http://www.consumeractionlawgroup.com/