This bankruptcy and foreclosure website is written by Salinas attorney Ralph O. Thompson to help people facing overwhelming debt issues who are contemplating bankruptcy or facing homeownership issues such as foreclosure. Call 831-769-9822 for a consultation.
Mr. Thompson has a B.A. degree in economics from Stanford University and a J.D. from Willamette University School of Law. He has been a member of the California State Bar since 1975 and is a member of the American Bankruptcy Institute (ABI)and the National Association of Consumer Bankruptcy Attorneys. Your can learn more about him on the Nolo Press website.
In addition, Mr. Thompson is a licensed real estate broker in the State of California.
We hope this website will help you better understand the foreclosure process and the range of alternatives available.
If you live in Monterey County, California, Mr. Thompson is available for bankruptcy counseling. We file Chapter 7 and Chapter 13 bankruptcy petitions. You can make an appointment to discuss your issues with Mr. Thompson by calling his office at 831-769-9822.
Our office is located at 1187 N. Main St., Suite 115, Salinas, CA 93906.
IMPORTANT INFORMATION FOR ALL HOMEOWNERS FACING FORECLOSURE: For help preparing a loan modification start by contacting housing counselors approved by the U.S. Department of Housing and Urban Development (HUD), who may be able to help you for free. For a referral to a housing counselor near you, contact HUD at 1-800-569-4287 (TTY: 1-800-877-8339) or www.hud.gov.
Special note for California residents: Effective October 11, 2009 in the State of California no person, including attorneys, can accept advance fees for assisting homeowners with a loan modification. This law is designed to protect homeowners from the many unscrupulous people preying on the desperate.
