Los Angeles, CA -- (SBWIRE) -- 04/17/2015 -- Recently, the state of California adopted SB900, The Homeowner Bill of Rights, which is aimed at preventing foreclosures and helping homeowners understand their options. This "HOBR" outlines several options that homeowners have to prevent foreclosure, or put a halt to it. These include loan modification, suing mortgage lenders for violations, forbearance agreements, and even refinancing current loans. A foreclosure attorney helps borrowers understand their rights more clearly and can assist in the process. Here is a brief description of each preventive step borrowers can take to stop foreclosure in California.

Loan Modification

A loan modification, in its simplest form, is a permanent alteration of the terms of a loan. A foreclosure lawyer will usually suggest that homeowners apply for a loan modification as the first and foremost method for stopping foreclosure. This is primarily because loan modification does not involve litigation and is the easiest action the borrowers themselves can take to avoid foreclosure.

Forbearance Agreements

Depending upon the situation, forbearance agreements are the preferable option for borrowers who are experiencing a temporary hardship. Borrowers who will lose income for a short period of time should consider working with their lender to come to an agreement regarding lower monthly payments. This can prevent foreclosure. Communication is vital to this process.

Loan Refinancing

Loan refinancing is an option for individuals who are not yet late on their payments. Borrowers that are struggling with their payments should contact their lender to prevent foreclosure down the road. The government also provides assistance through the Home Affordable Refinance Program (HARP) which is a great refinance program for borrowers with a high interest rate or a high principal loan balance. A foreclosure attorney can assist borrowers in determining the appropriate action for HARP eligibility.

How Consumer Action Law Group can Help

Consumer Action Law Group is staffed with experienced foreclosure attorneys that help individuals in California to stop foreclosure on their property. They have consistently proven that they are the premiere firm when searching for a California foreclosure attorney with a proven track record. Their legal team has helped hundreds of their clients to successfully stop their foreclosure sales by filing lawsuits or taking legal action.

Take, for example, the case of Brandon V. Aurora Loan Services, LLC. The bank had proposed a three payment modification for their client's loan so that the borrower could retain his property and prevent foreclosure. Despite Mr. Brandon's fulfillment of these three payments, the loan provider refused to modify the terms of his loan. The foreclosure attorney at Consumer Action Law Group argued the breach of contract resulting in a win for Mr. Brandon.

For anyone in need of a foreclosure lawyer, it is best to pick up the phone and contact Consumer Action Law Group and talk to their foreclosure attorneys immediately. They consistently assist clients in stopping foreclosure and saving homes; helping borrowers to regain stability in their lives.

To learn more about their foreclosure service, contact Consumer Action Law Group at 818-254-8413 or visit http://ConsumerActionLawGroup.com

About Consumer Action Law Group
Consumer Action Law Group is a law firm dedicated to help consumers in consumer-related matters or consumers that experienced fraud and scam. Attorneys in the team are knowledgeable and experienced in the areas of eliminating debt, mortgages fraud, auto fraud, and foreclosures. They have direct experience in consumer fraud matters and helping consumers who are facing financial crisis, foreclosure, issues with employers, and problems with auto dealers.

For Media Contact:
Contact Person: Lauren Rode, Esq.
Telephone: 818-254-8413
Email: Lauren@consumeractionlawgroup.com
Website: http://www.consumeractionlawgroup.com/