The Law Offices of Russ Ercolani is located in Westlake Village, California, and
serves clients throughout Ventura County and Los Angeles County, including the people
in the communities of Westlake Village, Agoura Hills, Calabasas, Woodland Hills,
Thousand Oaks, Moorpark, Oak Park, Simi Valley, Camarillo, Oxnard, and Ventura.
Russ Ercolani is an Attorney at Law, a member of the State Bar of CA, and helps people
with legal issues
related to personal injury, bankruptcy, estate planning, business, and insurance
We are a debt relief agency. We help people file for bankruptcy relief under the
Attorneys Helping Homeowners in Ventura and Los Angeles County
It is no secret that the status of the American economy has caused hardships across
our great nation. Many individuals and families are now facing what once seemed the
last thing they would have to contemplate, Bankruptcy and Foreclosure. For many people
who have fallen seriously behind in their mortgage payments, Chapter 13 or Chapter
7 bankruptcy may be the debt relief option most likely to help them stop foreclosure
and save their homes.
At the Ercolani Law Group, our mission is to enhance the quality of life for our
clients by implementing carefully planned legal strategies. Every situation is different,
therefore, rather than urge you into a Chapter 7 or Chapter 13 bankruptcy, or some
other solution that is the simplest choice, we’ll spend the necessary time with you
to learn your situation inside and out, and then advise you of the option that best
suits your needs and goals. Often we can work with you and devise a plan of action
that includes loan modifications, business debt management, foreclosure help, or
another option designed to help you build a better life and help save your credit
Automatic Stay - Prevent Actions Against You and Your Property
Under the automatic stay, mortgages cannot initiate a foreclosure action and must
cease all legal proceedings. In certain cases, however, a creditor may initiate a
relief from stay to petition the court and the trustee to release a home or property
from the automatic stay. In order to avoid having your property seized through a
relief of stay requires sound legal advice and guidance. By using a Chapter 13, you
can cure mortgage defaults and reinstate a mortgage.
Preventing Foreclosure With Short Sales or Deeds in Lieu of Foreclosure
A short sale is a real estate transaction in which the mortgage lender agrees to
accept a pre-agreed sale price as full repayment of the mortgage, even though the
sale price is less than the outstanding balance of the mortgage. Short sales are
valuable for homeowners whose mortgages are higher than their home values.
Preventing Foreclosure With Loan Modifications
You may be able to talk to your bank about a home loan modification. Several federal
loan modification programs exist, including the Home Affordable Modification Program
(also known as the Obama Plan). We may be able to negotiate on your behalf with your
bank for a mortgage modification to reduce your interest rate, reduce the principal,
or extend the term of the loan.
Know Your Options. Talk to a Lawyer Who Cares About Your Future
The first consultation is free at the Ercolani Law Group. Your free consultation
will give you a chance to get answers to your questions so you may make an informed,
educated decision about your future. No matter what your decision — bankruptcy, settlement
workout, foreclosure, and loan modification — we can help you end the financial struggle
and get a fresh start.