The Ins & Outs of Foreclosure


Foreclosure is a legal process by which a lender or creditor can reclaim a property from a borrower who has defaulted on their loan payments or past their maturity date without being able to satisify the current loan. It typically involves the forced sale of the property to repay the outstanding debt.


The primary form of foreclosure in California is Trustee foreclosure, unlike Judicial foreclosure, which has court oversight. It’s important to seek counsel during a Trustee foreclosure to bring your case under the court’s purview. Involving an attorney can change many aspects of negotiating with your lender. Typically, your file is assigned to a department that handles more sophisticated cases, and your lender is more likely to cooperate on a foreclosure sale date. Think of hiring an attorney like hiring a mechanic; extending or halting the majority of foreclosure sale dates is like changing the oil.


What really sets law offices apart are those that understand not just real estate law but real estate and mortgage finance as a whole. These offices can fine-tune your workout applications to your lender and create alternative workout solutions that benefit you. In commercial foreclosures, modifications are more feasible, but if you need to refinance or liquidate, resources like re-entitling or changing tenancy can add value, and we can assist you with that. For residential foreclosures, modifications are more difficult but still possible. Settlements with junior lenders and other lien holders can create equity attractive to new conventional or private lenders.


With both types of foreclosure, we offer a combination of services to place you in a more favorable situation. When you call us, you won’t reach a sales team making appointments; you’ll speak directly to someone who can start working on solutions immediately as part of our consultation. We pride ourselves on educating and helping people, whether or not we decide to work together. For more information, fill out the form on the screen or give us a call. Let’s buy you time and end any uncertainty you may currently feel.


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We have 34 years of combined experience in real estate, real estate investment, and foreclosure law. We place an emphasis on quality work coupled with quality client retention.
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Law Office of Aaron Berger

15260 Ventura BLVD #1200

Sherman Oaks, CA 91403