Premiere Property understands that everyone's situation is a little different.  That's why we specialize in referring you to the right Attorney for your special need.  Please review some of the different services available for referral should it be needed.


Legal Loan Audit Analysis:

Loan Modification:

If you have a situation whereby you can afford to make a mortgage payment or had a temporary setback that got you behind on your mortgage then a loan modification and/or mortgage pay rate reduction is a possibility.  A loan modification involves demonstrating to the lender that a temporary situation caused the borrower to fall behind on the payments, but that the situation has been resolved completely and the borrower is eligible for a mortgage rate reduction.   A loan modification typically requires proof, that the borrower earns enough household income each month to make a mortgage payment. Showing the lender a residential lease for a room, or rooms, in the house will usually suffice.

Loan Modification is also a great solution for a borrower who wants to stay in their property, but can't afford the payment to adjust upward, or can't quite afford the current mortgage payment. In that situation, a mortgage pay rate reduction is an ideal solution because it will lower the monthly mortgage payment to a manageable amount. Loan Modification is also a solution when the payment has not been made for a while, but the borrower can now afford to start making payments again.

The type of Loan Modification that is most beneficial for a borrower behind on mortgage payments is called a “recapitalization agreement.” A Recapitalization agreement takes all the arrears, interest, fees, and accumulated payments and adds it to the principal of the mortgage loan. The result of this negotiation is a slightly larger principal loan amount, but a status of “current” on the mortgage loan payments going forward.

Legal Short Sale:

Premiere Property hosts the nation's largest short sale company with our Attorney referral network we have the ability to ensure we have the correct Attorney for any situation. Defaulting on mortgage payments can be a difficult situation. Many people find themselves falling into default, or are already in default, and don't realize that there are options available before the bank takes the house away. A short sale is an excellent way to avoid foreclosure and can offer time and protection, as long as it and can offer time and protection, as long as it is done properly by a qualified attorney.  With our full debt settlement Short Sale service rest assured our goal is to ensure you will not only have any deficiencies filed against you but also to ensure your credit report states paid in full after closing! Again nobody does more short sales than Premiere and you will need experience to handle your case.  A lot of people mistakenly contact a Realtor to process a short sale.  Unfortunately there can be significant ramification to a short sale and if you don't have legal representation you could end up with a wage garnishment for a deficiency after a sale.  Don't risk your financial future contact us immediately at 800-997-3437

Bankruptcy:  (Last recommended option)

In its most basic form, bankruptcy law is a consumer protection law. It is a federal process which allows consumers to have their qualifying debts forgiven. The law recognizes that bad things sometimes happen to good people, and consumers sometimes simply do not have the ability to comply with creditors' repayment demands.  We strive to find alternative methods to bankruptcy however sometimes clients do request this option and if that is the case we can refer you to a local Attorney specializing in your area.

Filing for bankruptcy puts into effect an automatic stay, which stops creditors from trying to collect any debt from you. The automatic stay immediately stops creditor phone calls, collection letters, wage garnishments, lawsuits, bank levies, and all other types of harassment, intimidation and scare tactics by creditors.

Once a bankruptcy case is successfully completed, the consumer receives discharge information from the Bankruptcy Court. A Discharge is a legal release from debts. Creditors are left with no legal cause to contact you or pursue debts listed in the bankruptcy documents.

*Results will vary previous results do not guarantee future results.

"Always remember your lender is a debt collector and they have Attorneys working hard against you representing them... shouldn't you have Attorneys working just as hard representing you?"

CEO - David Garza





"Thank you Premiere your referral to the Stuart Law Firm really helped me.  My lender denied my request on my work out with my property and I thought we were sunk however once Stuart Law got involved we had an approval letter from our lender in 5 business days.  Thank you so much for helping us in a time of great need!"

Steve A.
Ashville, NC


"I still can't believe it!  Our property was scheduled to go to auction in 3 days and without filing for bankruptcy Stuart Law Firm was able to stop the auction and now is handling the modification for our property!  Thank you Premiere for providing the services you said you would!

Oscar J.
Costa Mesa, CA


"Thank you for everything you have done!  I paid a thousand dollars to another local attorney who was suppose to specialize in distressed properties.  They took my money but I've never been able to get a hold of them.  Not only did your referral Attorney issue demand letters to my delinquent tenants but we have been able to make appointments to visit your offices with no problem!  It's nice to know that some people really do the work they say they will."

Peter N.
Irvine, CA


"This is really amazing!  My property already has gone to auction I thought all was lost.  I haven't been able to sleep dealing with the stress of people knocking on my door telling me I have to leave and having nowhere to go.  I never would of thought your referral Attorneys could help... but they have!  Nobody's knocking on my door and they're renegotiating my whole loan!!  Thank you you're really helping people and doing good work"

Tammy T.
Huntington Beach, CA


"Thank you so much Premiere for your help!  I'm a Realtor that had an approval on a purchase unfortunately my buyer backed out the same day the thing finally got approved.  We got another offer for the same price and when we called in the lender refused to give us the approval letter until the homeowner came current with their total delinquency which wasn't going to happen!  After my case was referred I received our updated approval letter in 5 business days!!  That's amazing and I can tell you as someone who has already done over 20 short sales your Attorneys are VERY WELL CONNECTED!!

Kim P.