Juan Fernando Alban Naranjo

Our real estate practice focuses primarily on residential real estate transactions (otherwise known as closings) and residential loan modifications. Whether you are on the up or down side of the current market, our firm can help you. If you're buying or selling, consult us before you take the first step or sign the first document. If you are struggling with your mortgage payments, we can help you with the modification of your loan.

Chapter 7 bankruptcy is the most common form of bankruptcy for individuals and families struggling with significant credit card and medical bill debt. In many of these cases, a family member has lost a job, suffered a salary decrease or is struggling with paying overwhelming medical bills. If the calls from the creditors won't stop, and the household income is just enough to pay basic living expenses, consider the benefits offered by a Chapter 7 bankruptcy.

Our law firm DEFENDS foreclosures. We help homeowners stay in their homes by forcing the bank to prove its case. Often times, the defense of a foreclosure works hand in hand with a loan modification (we hold the bank off until the bank and the homeowner have reached an agreement on a loan modification). If you've been served with a foreclosure lawsuit, don't despair. Obtain qualified legal representation, and exercise your rights under the law.

Chapter 13 bankruptcy is for people who make enough to live and a little bit more, but not enough to pay their debts 100 cents on the dollar. This type of bankruptcy is also for clients who have fallen behind on their mortgage (illness, temporary unemployment), can now afford to pay the normal monthly payment, but can't afford to pay the past due amount in one lump sum.