. . . may be the answer to keeping the keys to your home. It won't be easy if your interest rate is about to jump, or already has. But if it is worth fighting to keep your home, you are in the right place!

. . . may be the answer to salvaging your credit if foreclosure seems certain, and possibly avoiding a tax on cancelled debt.

. . . who will follow our FreshStart and FreshStart Lite programs to help solve the foreclosure problems you anticipate.

FreshStart: We work with your present lender, even if we have to go to court, to

• change your interest rate to one that is fixed,
• give you a payment you can afford,
• add any missed payments to the loan,

. . . and above all to PREVENT FORECLOSURE!

We can't give you guarantees, but if anyone can do this, we can. We will put forth every effort needed to help you keep your home.

You've worked hard to achieve the American Dream; we'll help you to keep it. Just as long as you don't give up, neither will we!

FreshStart Lite: We transfer your property to Choosing Reasons to Change, a California corporation. You continue to live in the property until after the foreclosure takes place; you pay no rent.

PLEASE NOTE: You do not become a client of the Law Offices of Eric F. Fagan unless you enter into a written agreement signed by you and our attorney. The agreement must also spell out the scope of the work that is to be done. Simply sending an inquiry by mail, fax, or email does not establish an attorney-client relationship.