Skip to Content
The Foreclosure Process

The Foreclosure Process

Orange County Foreclosure Attorney

If you and your family are facing the possibility of foreclosure, you probably have some questions and would like some straight answers and maybe a helping hand. Do you want to know how foreclosure affects credit or about foreclosure alternatives? Times of financial stress can create uncertainty. In these circumstances you need facts you can depend on and a plan of action that fits your situation.

Talk to an Orange County foreclosure lawyer who will take the time to listen to you and understand your needs.  1st California Law, Inc. offers free initial consultations.

Judicial Foreclosure

Judicial foreclosure means the lender goes through the court system and sues the homeowner to repossess the property. From the homeowners viewpoint a major drawback of this method is that if the court decides for the lender it issues a judgment for the unpaid amount of the loan. This means if the property is sold for less than the amount of the judgment, the property owner must pay the difference to the lender. The court may also order that the homeowner has one year to redeem the property.

Non-judicial Foreclosure

In a non-judicial foreclosure the mortgager records and mails a "notice of default" giving the homeowner a specified amount of time (generally 90 days) to pay the amount which is past due. If the homeowner fails to meet the deadline the lender records a "notice of sale" giving the date that the property will be sold, sends a copy to the homeowner, posts a notice on the property and in a public place and advertises the auction in a newspaper. The successful bidder must pay in full at end of the auction. This entire process can be completed in approximately 4 months.

Foreclosure Lawyer in Orange County

At 1st California Law we help individuals and families throughout Orange County who are facing overwhelming financial situations. A Santa Ana foreclosure lawyer at our firm provides skilled guidance and legal expertise in foreclosure defense. We can explain the foreclosure process and work with you to help you to obtain a positive result. We are ready to work with you to protect your rights and help you gain control of your financial future.

When it comes to fighting foreclosure, our legal team is dedicated to aggressively representing your interests. Discuss your situation with a Santa Ana foreclosure lawyer at our firm in a free consultation at our office. We will also come to you! Evenings and weekend times are available. Contact an Orange County foreclosure Lawyer for answers to your foreclosure concerns.

Read Real Reviews

    "Amazing law firm to work with, very knowledgeable, & very kind!"
    Amazing law firm to work with, very knowledgeable, & very kind. They made filing for bankruptcy easy. Kevin is a amazing lawyer, would definitely recommend to friends and family.
    - Evelyn V.
    "Kevin made us feel at ease during a very stressful time in our lives."
    Kevin is the best! He made us feel at ease during a very stressful time in our lives. His upbeat personality and thorough explanations made this whole process effortless. His communication was on point and the cost for his services was absolutely reasonable. If I ever need legal service again in the future, he is my go to guy. Love him!
    - Elizabeth C.
    "Being the light at the end of this scary tunnel!"
    Nobody ever hope to find themselves filing for bankruptcy but when I did, my first call with Kevin put me in such ease that I knew I found the right person to help me.
    - Leslie I.
    "Made the entire process of filing my case approachable & much less stressful than anticipated!"
    Kevin was absolutely fantastic to work with. He made the entire process of filing my case approachable and much less stressful than I anticipated. He was responsive, professional, and direct throughout the entire process, and personally accompanied me at my hearing. I would highly recommend his services.
    - Ashley T.
    "One of the best bankruptcy attorneys to work with!"
    Kevin Kunde was one of the best bankruptcy attorneys to work with. He was kind, informative, courteous and very knowledgeable. I would recommend 1st California Law and Kevin Kunde services to anyone seeking debt relief assistance. Bankruptcy can be a very scary situation and I through out the entire process I felt well guided and taken care of by 1st California Law. Thank you for everything.
    - Melissa L.
    "Awesome attorney"
    I recently filed for my Chapter 7 through Mr. Kevin’s law firm and I could not be happier with his services. All of my concerns and worries were eliminated when Mr. Kevin thoroughly explains the process of bankruptcy filing and court hearing. The actual court hearing is very simple and to the point, just as Mr.Kevin said. In all, i highly recommend Mr.Kevin as an attorney for anyone who is in need of financial debt relief. He is kind, transparent, and dedicated to his profession. I'm glad i have had a chance to work with Kevin.
    - Bruce
    "Great Service"
    It was the best experience ever with Kevin, I consulted several attorneys regarding my bankruptcy before I went to Kevin, and Kevin was very helpful and also the fees is very good. It was so easy to prepare my filling with him and he kept me updated with everything and tell me everything I need to know even if I didn't ask for it. Kevin show up with me in court and he was very helpful in getting over this stressful situation easily and smoothly, highly recommended him and his office if you look for any financial relief advice or help. Thanks Kevin.
    - AA
    "Best lawyer"
    I'm 100% satisfied with his service I highly recommend to anyone!
    - Vivian

Marks Of Recognition

Why Choose 1st California Law Inc?

  • Thorough Communication with Our Clients
  • Passionate Service, Personal Help, Practical Solutions
  • Available 24 Hours a Day, 7 Days a Week
  • Free Initial Consultations
Get a Free Consultation Today Contact Our Offices

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.