Notice of Sale? Notice of Default? There may still be time to obtain a loan modification. Loan Modification Attorney Service

LOAN MODIFICATION ADVERTISEMENT:

1. HELLO EVERYONE MY NAME IS STEVE V0NDRAN - ATTORNEY/BROKER - CA/AZ / OFFICES IN BOTH STATES (PHOENIX AND NEWPORT BEACH).

1. TOPIC TODAY IS LOAN MODIFICATIONS - WHAT THEY ARE / HOW THE PROCESS WORKS ETC.

1. MY FIRM HAS BEEN HANDLING LOAN MODIFICATIONS FOR ABOUT A YEAR NOW (AS OF THIS POSTING), WHICH IS FAIRLY WELL EXPERIENCED AS FAR AS THE LOAN MODIFICATION INDUSTRY IS CONCERNED.  SOME COMPANIES ARE NOW CLAIMING 20 OR THIRTY YEARS OF EXPERIENCE IN THIS BUSINESS.  DO YOU RECALL ANYONE SAYING THEY WERE LOAN MODIFICATION LAWYERS OR COMPANIES 20 YEARS AGO?  BE VERY SUSPICIOUS OF THESE TYPES OF CLAIMS AS WELL AS "ATTORNEY-BACKED" OR "ATTORNEY BASED" CLAIMS THAT OFTEN AMOUNT TO LITTLE MORE THAN FALSE ADVERTISING.

1. JUST TO PROVIDE A LITTLE BACKGROUND - PRIOR TO THE OBAMA MAKING HOME AFFORDABLE PROGRAM, THE BANKS WERE GIVING LOAN MODIFICATIONS BUT REALLY ONLY FOREBEARANCES OR REPAYMENT PLANS. (REMEMBER, A LEGAL CONTRACT BETWEEN YOU AND THE BANK WAS PREVIOUSLY SIGNED). NOW, THE BANKS ARE DOING MORE SIGNIFICANT MODIFICATIONS THAT INCLUDE INTEREST RATE REDUCTIONS AND IN SOME INSTANCES MAY PROVIDE PRINCIPAL REDUCTION.  

1. I HAVE TO MAKE THE NOTE UP-FRONT, NO ONE AND NO COMPANY CAN GUARANTEE YOU A LOAN MODIFICATION OR PRINCIPAL REDUCTION.  EVERY CASE, EVERY LENDER, EVERY BORROWER, EVERY PROPERTY IS DIFFERENT.  

1. IN GENERAL, THERE ARE TWO TYPES OF LOAN MODIFICATIONS, (A) MODIFICATION BASED UPON A FINANCIAL HARDSHIP AND (B) A MODIFICATION THAT MAY BE MORE HEAVILY INFLUENCED BY LEGAL VIOLATIONS, SUCH AS TRUTH IN LENDING VIOLATIONS WHICH WE WILL DISCUSS LATER.

1. BEFORE WE GET STARTED, I WANT TO SAY A WORD OR TWO ABOUT LOAN MOD SCAMS: THERE ARE LOTS OF COMPANIES THAT GOT INTO THE LOAN MOD GAME  (BROKER / NON-BROKERS / FORECLOSURE CONSULTANTS / ATTORNEYS ETC.)  YOU NEED TO BE CAREFUL WHO YOU DECIDE TO WORK WITH.  KEEP IN MIND THERE IS NOTHING PREVENTING YOU FROM SUBMITTING YOUR FINANCIAL INFORMATION FOR A FINANCIAL HARDSHIP

      OUR FIRM IS HANDLING LOAN MOD SCAMS AND TRYING TO OBTIAN REFUNDS FOR OUR CLIENTS ON A CONTINGENCY FEE BASIS.  IF YOU HAVE BEEN LIED TO, CHEATED, SCAMMED OR RIPPED OFF BY A LOAN MOD COMPANY CALL US AT (877) 276-5084.

1. BROKERS MUST BE ON DRE APPROVED LIST - ADVANCE FEE AGREEMENT (MY COMPANY HAS SET UP ABOUT 50 BROKERS TO LEGALLY DO THIS, AND THESE COMPANIES ARE VICTIMS OF UNFAIR COMPETITION WHEN UNLICENSED COMPANIES DO WHATEVER THEY WANT WITHOUT THE PROPER CREDENTIALS.  CHECK DRE.GOV WEBSITE.

1. BEWARE OF SO-CALLED “ATTORNEY BACKED” (THERE EITHER IS NO ATTORNEY OR THEY DO VERY LITTLE WORK).

1. LAWYERS AND LAW FIRMS - CHECK THE STATE BAR WEBSITE (CALBAR.ORG) AND MAKE SURE NO DISCIPLINE

       IF YOU ARE UNSURE WHETHER THE LOAN MODIFICATION COMPANY YOU ARE CONSIDERING DOING BUSINESS WITH CAL US AT (877) 276-5084 AND PERHAPS WE CAN SHED SOME LIGHT ON THE MOD COMPANY YOU ARE CONSIDERING.  ANOTHER TRICK IS TO TYPE THE NAME OF THE COMPANY IN GOOGLE AND SEE WHAT YOU FIND.  YOU MAY BE SURPRISED AS MANY CALLERS ARE WHO CONTACT US.

1. OKAY, LET’S TALK ABOUT LOAN MODIFICATIONS.  FIRST THING I WANT TO DISCUSS IS WHAT THE DIFFERENCE BETWEEN WORKING WITH A REAL ESTATE BROKER AND REAL ESTATE ATTORNEY IS:

BROKER = SUBMIT FINANCIALS.  THERE ARE SOME GOOD BROKERS OUT THERE PERFORMING LOAN MODS AS A SERVICE.

ATTORNEY = SERVICE SEEKS TO UNCOVER POTENTIAL LEVERAGE FOR NEGOTIATIONS, AND SEEKS TO PUT THE LENDER ON NOTICE OF THE CLIENTS POTENTIAL LEGAL CLAIMS AND SETS FORTH A LOAN MODIFICATION PROPOSAL.  BASICALLY, WE TAKES A PRE-LITIGATION POSTURE AND SEEK TO OBTAIN OR UNCOVER EVIDENCE THAT MAY ASSIST IN TIPPING THE SCALES FOR A LOAN MODIFICATION.  

TYPICAL SERVICES PROVIDED IN AN ATTORNEY LOAN MODIFICATION:

1. FORENSIC LOAN AUDITS
2. LEGAL DEMAND LETTERS
3. QUALIFIED WRITTEN REQUESTS
4. DEMAND TO PRODUCE THE HOLDER OF THE NOTE
5. REQUESTS TO DEAL ONLY WITH THE ATTORNEY UNDER FAIR DEBT COLLECTION PRACTICES ACT
6. ABILITY TO THREATEN AND FILE LAWSUITS
7. ABILITY TO ADVISE ON TOPICS SUCH AS DEED IN LIEU OF FORECLOSURE AND DEFICIENCY JUDGMENTS 
8. ATTORNEYS CAN HANDLE NOTICE OF DEFAULT CASES IN CALIFORNIA, WHILE BROKERS CANNOT ACCEPT ADVANCE FEES FOR SUCH SERVICES.

OUR GOAL IS TO HELP YOU KEEP YOUR HOME, AND ON TERMS / PAYMENT THAT YOU CAN AFFORD.  WE DO THIS SERVICE FOR A PRICE THAT IS COMPARABLE TO WHAT MOST BROKERS CHARGE FOR THEIR SERVICES.

IF YOU ARE LATE ON MAKING YOUR MONTHLY PAYMENTS, OR IN IMMINENT THREAT OF BEING LATE, CONTACT US TODAY TO DISCUSS YOUR SITUATION.  THERE MAY BE HELP AVAILABLE.   CALL US AT (877) 276-5084.  A REPRESENTATIVE IS WAITING TO TAKE YOUR CALL.

JUST KNOW THIS, THE BANKS WERE BAILED OUT BY PRESIDENT OBAMA.  THEY HAVE THE ABILITY TO MODIFY YOUR LOAN IN MANY CIRCUMSTANCES.  CONTACT A LAW FIRM TO HELP YOU MAKE THE CASE FOR MORTGAGE MODIFICATION.  LET ME SAY THAT AGAIN IN CASE YOU DIDN’T QUITE HEAR THAT - THE BANKS HAVE THE POWER TO MODIFY YOUR LOAN: DON’T TAKE A FORECLOSURE NOTICE LYING DOWN - YOU MAY HAVE LEGAL RIGHTS THAT YOU CAN ASSERT THAT MAY HELP YOU SAVE YOUR HOME FROM FORECLOSURE.  CALL ATTORNEY STEVE VONDRAN TODAY AT (877) 276-5084.  WHY BEG WHEN YOU MAY HAVE THE LEGAL RIGHT TO DEMAND?

1. EXAMPLES: LET’S TALK ABOUT A FEW EXAMPLES OF LOAN MODS MY OFFICE HAS BEEN ABLE TO OBTAIN.  NOTE THAT PAST RESULTS CAN NOT BE USED TO SUGGEST ANY PARTICULAR OUTCOME IN YOUR CASE:

1. WE HAD ELDERLY CLIENTS STEERED INTO A PREDATORY OPTION ARM LOAN (IN CASE YOU DON’T KNOW, OPTION ARM ALLOWS YOU TO MAKE 4 DIFFERENT TYPES OF PAYMENTS).  WE AUDITED OUR CLIENTS LOAN FILE AND FOUND TRUTH IN LENDING VIOLATIONS.  WE ALSO MADE PREDATORY LENDING CLAIMS UNDER CALIFORNIA’S ELDER ABUSE STATUTE (IF YOU WERE OVER 65 AT THE TIME OF REFINANCING YOUR LAST LOAN, AND FEEL YOU WERE A VICTIM OF PREDATORY LENDING, CONTACT US FOR A NO-COST DISCUSSION - CALIFORNIA’S ELDER ABUSE LAW HAS SOME SERIOUS TEETH AGAINST PEOPLE WHO VIOLATE THE LAW).  ANYWAY, WE SENT IN DEMAND AND WERE ORIGINALLY DENIED A LOAN MOD.  WE PERSISTED MAKING OUR CASE TO THE LEGAL DEPARTMENT AND WERE EVENTUALLY ABLE TO OBTAIN A MOD BY THREATENING A LAWSUIT.  WE HAVE A COPY OF THE TESTIMONIAL VIDEO WE DID FOR ANYONE WHO WOULD LIKE TO SEE IT.  SIMPLY CONTACT US AT (877) 276-5084 AND WE WILL EMAIL YOU A LINK TO THE VIDEO.  AGAIN, AS A LAW FIRM, WE SOUGHT OUT THE EVIDENCE THAT COULD BE USED TO HELP MAKE OUR CASE FOR A LOAN MOD.  IF YOU WERE THE LENDER / INVESTOR, WHAT WOULD YOUR CHOICES BE?  A MUTUALLY BENEFICIAL LOAN MODIFICATION IS IN EVERYBODY’S INTEREST.

1. TRUTH IN LENDING VIOLATIONS HELP CREATE LEGAL LEVERAGE FOR A LOAN MODIFICATION.  IN CONDUCTING OUR FORENSIC LOAN AUDITS, WE LOOK FOR PREDATORY LENDING VIOLATIONS, IN PARTICULAR WE ARE LOOKING FOR TRUTH IN LENDING VIOLATIONS.

1. TRUTH IN LENDING VIOLATIONS CAN ARISE FROM THE LENDERS FAILURE TO PROVIDE MATERIALS DISCLOSURES TO THE CONSUMER (INCLUDING APR AND FINANCE CHARGE) OR THEY CAN ARISE FROM PROBLEMS IN RELATION TO THE NOTICE OF RIGHT TO CANCEL, WHICH IS A REQUIRED DISCLOSURE IN NON-PURCHASE MONEY TRANSACTIONS.  WE DO NOT HAVE TIME TO GO INTO THE DETAILS OF WHAT THESE VIOLATIONS CONSIST OF, BUT SUFFICE IT TO SAY THAT THESE VIOLATIONS CREATE AN EXTENDED THREE YEAR RIGHT TO RESCIND YOUR LOAN.  LET ME SAY THAT AGAIN, IF WE FIND A TRUTH IN LENDING VIOLATIONS IT MAY TRIGGER AN EXTENDED THREE YEAR RIGHT TO RESCIND, OR CANCEL YOUR LOAN.

1.   AS A LAW FIRM WE CAN USE THE EXTENDED RIGHT TO RESCIND TO CREATE LEGAL LEVERAGE THAT CAN BE USED TO ASSIST YOU IN OBTAINING A MEANINGFUL LOAN MODIFICATION.  WE HAD ONE CLIENT THAT WAS SEEKING A LOAN MODIFICATION, BUT WE WERE TOLD HE MADE TO MUCH MONEY.  AFTER CONDUCTING A FORENSIC LOAN AUDIT AND UNCOVERING A MATERIAL TRUTH IN LENDING VIOLATION, WE PRESENTED A SCENARIO FOR RESCISSION TO THE LENDER.  THE LENDER WAS VERY UPSET ABOUT OUR USE OF THE TRUTH IN LENDING LAW, BUT WE INFORMED THEM THAT THIS IS OUR CLIENTS LEGAL RIGHT AND THAT THE LAW MUST BE FOLLOWED.  AFTER A FEW WEEKS OF WRANGLING BACK AND FORTH WE WERE ABLE TO SETTLE ON A 4% LOAN MODIFICATION.

1. NOTICE OF DEFAULT / NOTICE OF SALE DATE (ITS NOT TOO LATE TO NEGOTIATE DURING THE NOD/NOS PROCESS):  WE RECENTLY HAD A CLIENT THAT WAS ON THE BRINK OF FORCECLOSURE.  HE HAD BEEN ABUSED BY SEVERAL LOAN MODIFICATION COMPANIES AND DECIDED TO USE THE SERVICES OF A LAW FIRM TO SEEK A MEANINGFUL LOAN MODIFICATION.  WE AUDITED HIS FILE, SUBMITTED OUR DEMAND LETTER AND WERE ABLE TO EXTEND THE SALE DATE ON THE PROPERTY.  ULTIMATELY WE WERE SUCCESSFUL IN OBTAINING A LOAN MODIFICATION.

THESE ARE JUST A FEW EXAMPLES OF CALIFORNIA HOMEOWNERS WE WERE ABLE TO ASSIST WITH OUR ATTORNEY LOAN MODIFICATION SERVICES.  AGAIN, OUR PRICING IS COMPETITIVE WITH THE PRICING OF REAL ESTATE BROKERS WHO PROVIDE THE SAME SERVICE (ALTHOUGH NORMALLY WITHOUT ALL OF THE SERVICES WE PROVIDE).  

LOAN MOD TIP: DO NOT TAKE THE LENDER’S WORD FOR ANYTHING UNLESS IT IS IN WRITING!!  HOMEOWNERS HAVE BEEN PROMISED THAT NO SALE OF THEIR PROPERTY WOULD OCCUR WHILE A LOAN MODIFICATION WAS BEING WORKED OUT, ONLY TO HAVE THE HOUSE SOLD FROM UNDERNEATH THEM.  DO NOT TRUST LENDERS TO TREAT YOU FAILRY.  YOU NEED A LAW FIRM TO PROTECT YOUR INTEREST.

IF YOU ARE A HOMEOWNER IN NEED OF A MEANINGFUL LOAN MODIFICATION, CONTACT OUR OFFICE TO DISCUSS.  WE HAVE A REPRESENTATIVE STANDING BY TO DISCUSS YOUR LOAN.  CALL US AT (877) 276-5084.

LET ME SAY THAT AGAIN IN CASE YOU DIDN’T QUITE HEAR THAT (BULLHORN) THE BANKS HAVE THE POWER TO MODIFY YOUR LOAN: DON’T TAKE A FORECLOSURE NOTICE LYING DOWN - YOU MAY HAVE LEGAL RIGHTS THAT YOU CAN ASSERT THAT MAY HELP YOU SAVE YOUR HOME FROM FORECLOSURE.  CALL ATTORNEY STEVE VONDRAN TODAY AT (877) 276-5084.  WHY BEG WHEN YOU MAY HAVE THE LEGAL RIGHT TO DEMAND?

1. WACHOVIA / WORLD SAVINGS SUBPRIME LOANS AND OPTION ARM LOANS:  FOLKS, IF YOU HAVE A WORLD SAVINGS OPTION ARM LOAN OR A WACHOVIA OPTION ARM LOAN, CONTACT US TODAY TO DISCUSS YOUR LOAN.  WE HAVE BEEN VERY SUCCESSFUL IN OBTAINING SWIFT RESULTS (NORMALLY IN 7-30 DAYS) WHICH IN SOME CASES HAVE RESULTED IN OBTAINING PRINCIPAL REDUCTION.  AGAIN, WE DO NOT GUARANTEE ANY PARTICULAR RESULTS.  WE TAKE THESE WACHOVIA AND WORLD SAVINGS LOAN ON A CONTINGENCY FEE BASIS, WHICH MEANS YOU PAY NOTHING UNLESS WE OBTAIN A LOAN MODIFICATION FOR YOU.  

CALL US TODAY AT (877) 276-5084 TO DISCUSS YOUR WACHOVIA OR WORLD SAVINGS LOAN.

WRAP UP:  AGAIN, THE BANKS AND LENDERS HAVE THE ABILITY TO MODIFY YOUR LOAN.  IT IS NOT TOO LATE TO SAVE YOUR HOME FROM FORECLOSURE AND LOWER YOUR INTEREST RATE.  

CONTACT OUR FIRM TO DISCUSS YOUR CASE.  

OUR NUMBER AGAIN IS (877) 276-5084.  WE ARE HERE AND STAND READY TO FIGHT FOR YOU TO SAVE YOUR HOME AND GET YOU THE MEANINGFUL LOAN MODIFICATION YOU ARE SEEKING AND WHICH IN MANY CASES THE LENDERS ARE INCENTIVIZED TO PROVIDE.

YOU CAN FIND MORE INFORMATION AT WWW.VONDRANLEGAL.COM .  Submit your property information at www.LoanModSoultions.Net.  If you are a victim of loan modification scams submit your information at www.LoanModificationRipoff.net. 

ARIZONA OFFICE:  2415 E. Camelback Road, Suite 700, Phoenix, Arizona 85016

CALIFORNIA OFFICE: 620 Newport Center Drive, Suite 1100, Newport Beach, CA 92660

_______________________________________________________________________________________________________________________

Arizona

Tucson 
Mesa 
Glendale
Chandler
Scottsdale
Gilbert
Tempe 
Peoria 
Yuma
Surprise 
Avondale
Flagstaff
Lake Havasu City
Goodyear
Sierra Vista
Prescott
Oro Valley 
Bullhead City
Apache Junction 
Prescott Valley 
Casa Grande
El Mirage
Marana 
Kingman 
Buckeye 
Fountain Hills 
San Luis 
Nogales 
Florence 
Douglas 
Queen Creek
Maricopa 
Payson 
Sahuarita 
Paradise Valley 
Chino Valley 
Eloy 
Sedona 
Cottonwood 
Camp Verde 
Show Low
Winslow 
Somerton
Safford 
Coolidge 
Globe 
Page 
Bisbee 
Tolleson 
Youngtown 
Wickenburg  
South Tucson 
Guadalupe 
Holbrook 
Snowflake 
Cave Creek 
Benson 
Thatcher 
Litchfield Park 
Eagar 
Pinetop-Lakeside 
Taylor 
Colorado City 
Dewey-Humboldt 
Willcox 
St. Johns 
Carefree  
Clarkdale  
Quartzsite  
Parker 
Superior  
Williams 
Clifton 
Kear
Pima  
Springerville 
Star Valley 
Gila Bend 
Wellton
Miami
Huachuca City
Mammoth 
Tombstone
Fredonia
Patagoni
Hayden
Dunca
Winkelman
Jerome

CALIFORNIA

 Alameda 
Albany 
Berkeley 
Dublin 
Emeryville 
Fremont 
Hayward 
Livermore 
Newark 
Oakland 
Piedmont 
Pleasanton 
San Leandro 
Union City 
Amador 
Amador City 
Ione 
Jackson 
Plymouth 
Sutter Creek 
Chico 
Gridley 
Oroville 
Paradise 
Angels Camp 
Colusa 
Colusa 
Williams 
Antioch 
Brentwood 
Clayton 
Concord 
Danville 
El Cerrito 
Hercules 
Lafayette 
Martinez 
Moraga 
Orinda 
Pinole 
Pittsburg 
Pleasant Hill 
Richmond 
San Pablo 
San Ramon 
Walnut Creek 
Crescent City 
Placerville 
South Lake Tahoe 
Clovis 
Coalinga 
Firebaugh 
Fowler 
Fresno 
Huron 
Kerman 
Kingsburg 
Mendota 
Orange Cove 
Parlier 
Reedley 
San Joaquin 
Sanger 
Selma 
Orland 
Willows 
Humboldt
Arcata 
Blue Lake 
Eureka 
Ferndale 
Fortuna 
Rio Dell 
Trinidad 
Imperial 
Brawley 
Calexico 
Calipatria 
El Centro 
Holtville 
Westmorland 
Inyo 
Bishop 
Kern 
Arvin 
Bakersfield 
California City 
Delano 
Kern County 
Maricopa 
McFarland 
Ridgecrest 
Shafter 
Taft 
Tehachapi 
Wasco 
Avenal 
Corcoran 
Hanford 
Lemoore 
Lake 
Clearlake 
Lakeport 
Susanville 
Los Angeles 
Agoura Hills 
Alhambra 
Arcadia 
Artesia 
Azusa 
Baldwin Park 
Bell 
Bell Gardens 
Bellflower 
Beverly Hills 
Bradbury 
Burbank 
CalabasCarson 
Cerritos 
Claremont 
Commerce 
Compton 
Covina 
Cudahy 
Culver City 
Diamond Bar 
Downey 
Duarte 
El Monte 
El Segundo 
Gardena 
Glendale 
Glendora 
Hawaiian Gardens 
Hawthorne 
Hermosa Beach 
Hidden Hills 
Huntington Park 
Industry 
Inglewood 
Irwindale 
La Canada-Flintridge 
La Habra Heights 
La Mirada 
La Puente 
La Verne 
Lakewood 
Lancaster 
Lawndale 
Lomita 
Long Beach 
Lynwood 
Malibu 
Manhattan Beach 
Maywood 
Monrovia 
Montebello 
Monterey Park 
Norwalk 
Palmdale 
Palos Verdes Estates 
Paramount 
Pasadena 
Pico Rivera 
Pomona 
Rancho Palos Verdes 
Redondo Beach 
Rolling Hills 
Rolling Hills Estates 
Rosemead 
San Dimas 
San Fernando 
San Gabriel 
San Marino 
Santa Clarita 
Santa Fe Springs 
Santa Monica 
Sierra Madre 
Signal Hill 
South El Monte 
South Gate 
South Pasadena 
Temple City 
Torrance 
Vernon 
Walnut 
West Covina 
West Hollywood 
Westlake Village 
Whittier 
Chowchilla 
Madera 
Marin 
Belvedere 
Corte Madera 
Fairfax 
Larkspur 
Mill Valley 
Novato 
Ross 
San Anselmo 
San Rafael 
Sausalito 
Tiburon 
Mariposa 
Mendocino 
Fort Bragg 
Point Arena 
Ukiah 
Willits 
Merced 
Atwater 
Dos Palos 
Gustine 
Livingston 
Los Banos 
Merced 
Modoc 
Alturas 
Mono 
Mammoth Lakes 
Monterey 
Carmel 
Del Rey Oaks 
Gonzales 
Greenfield 
King City 
Marina 
Monterey 
Pacific Grove 
Salinas 
Sand City 
Seaside 
Soledad 
Napa 
American Canyon 
Calistoga 
Napa 
St. Helena 
Yountville 
Nevada 
Grass Valley 
Nevada City 
Truckee 
Orange 
Anaheim 
Brea 
Buena Park 
Costa Mesa 
Cypress 
Dana Point 
Fountain Valley 
Fullerton 
Garden Grove 
Huntington Beach 
Irvine 
La Habra 
La Palma 
Laguna Beach 
Laguna Hills 
Laguna Niguel 
Lake Forest 
Los Alamitos 
Mission Viejo 
Newport Beach 
Orange 
Placentia 
San Clemente 
San Juan Capistrano 
Santa Ana 
Seal Beach 
Stanton 
Tustin 
Villa Park 
Westminster 
Yorba Linda 
Placer 
Auburn 
Colfax 
Lincoln 
Loomis 
Rocklin 
Roseville 
Plumas 
Portola 
Riverside 
Banning 
Beaumont 
Blythe 
Calimesa 
Canyon Lake 
Cathedral City 
Coachella 
Corona 
Desert Hot Springs 
Hemet 
Indian Wells 
Indio 
La Quinta 
Lake Elsinore 
Moreno Valley 
Murrieta 
Norco 
Palm Desert 
Palm Springs 
Perris 
Rancho Mirage 
Riversi 
San Jacinto 
Temecula 
Folsom 
Galt 
Isleton 
Sacramento 
San Benito 
Hollister 
San Juan Bautista 
San Bernardino 
Adelanto 
Apple Valley 
Barstow 
Big Bear Lake 
Chino 
Chino Hills 
Colton 
Fontana 
Grand Terrace 
Hesperia 
Highland 
Loma Linda 
Montclair 
Needles 
Ontario 
Rancho Cucamonga 
Redlands 
Rialto 
Twentynine Palms 
Upland 
Victorville 
Yucaipa 
Yucca Valley 
San Diego 
Carlsbad 
Chula Vista 
Coronado 
Del Mar 
El Cajon 
Encinitas 
Escondido 
Imperial Beach 
La Mesa 
Lemon Grove 
National City 
Oceanside 
Poway 
San Marcos 
Santee 
Solana Beach 
Vista 
San Francisco 
San Joaquin 
Escalon 
Lathrop 
Lodi 
Manteca 
Ripon 
Stockton 
Tracy 
Arroyo Grande 
Atascadero 
Grover Beach 
Morro Bay 
Paso Robles 
Pismo Beach 
San Luis Obispo 
San Mateo 
Atherton 
Belmont 
Brisbane 
Burlingame 
Colma 
Daly City 
East Palo Alto 
Foster City 
Half Moon Bay 
Hillsborough 
Menlo Park 
Millbrae 
Pacifica 
Portola Valley 
Redwood City 
San Bruno 
San Carlos 
San Mateo 
South San Francisco 
Woodside 
Santa Barbara 
Buellton 
Carpinteria 
Guadalupe 
Lompoc 
Santa Barbara 
Santa Maria 
Solvang 
Santa Clara 
Campbell 
Cupertino 
Gilroy 
Los Altos 
Los Altos Hills 
Los Gatos 
Milpitas 
Monte Sereno 
Morgan Hill 
Mountain View 
Palo Alto 
San Jose 
Santa Clara 
Saratoga 
Sunnyvale 
Santa Cruz 
Capitola 
Santa Cruz 
Scotts Valley 
Watsonville 
Shasta 
Anderson 
Redding 
Shasta Lak 
Sierra 
Loyalton 
Siskiyou 
Dorris 
Dunsmuir 
Etna 
Fort Jones 
Montague 
Mount Shasta 
Tulelake 
Weed 
Yreka 
Solano 
Benicia 
Dixon 
Fairfield 
Rio Vista 
Suisun City 
Vacaville 
Vallejo 
Sonoma 
Cloverdale 
Cotati 
Healdsburg 
Petaluma 
Rohnert Park 
Santa Rosa 
Sebastopol 
Sonoma 
Windsor 
Stanislaus 
Ceres 
Hughson 
Modesto 
Newman 
Oakdale 
Patterson 
Riverbank 
Turlock 
Waterford 
Sutter
Live Oak 
Yuba City 
Tehama 
Corning 
Red Bluff 
Tehama 
Trinity 
Tulare 
Dinuba 
Exeter 
Farmersville 
Lindsay 
Porterville 
Tulare 
Tulare 
Visalia 
Woodlake 
Tuolumne 
Sonora 
Ventura 
Camarillo 
Fillmore 
MoorpaOjai 
Oxnard 
Port Hueneme 
Santa Paula 
Simi Valley 
Thousand Oaks 
Ventura 
Yolo 
Davis 
West Sacramento 
Winters 
Woodland 
Yuba 
Marysville 
Wheatland

                                                         This is an advertisement and communication pursuant to state bar rules.