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Practice Areas

Los Angeles Real Estate Litigation Attorneys

Allan Law Group P.C represents property buyers, sellers, and lessors in real estate proceedings and transactions. We enjoy a distinct reputation for excellence in the area of consumer protection litigation and handle legal aspects of mortgages, foreclosures and leases of residential real estate. Most of the cases in this section involve wrongful conduct of insurance and finance companies.

Real estate transactions often represent a substantial investment on the part of buyers and purchasers. Careful legal advice during a real estate transaction may help protect you against future financial and legal liability and avoid future legal headaches. When disputes do arise and cannot be resolved through mediation, settlement or arbitration, litigation may be necessary. The real estate litigation attorneys at Allan Law Group P.C have the experience, expertise and resources needed to litigate real property disputes.

PREDATORY LENDING

The subprime mortgage crisis has resulted in foreclosures, encumbered bank accounts, and bankruptcy throughout the state of California. In many cases, unorthodox underwriting methodologies and predatory lending practices resulted in inflated home prices and people qualifying for mortgage loans beyond their means. Consequently, when interest rates began to rise, millions of people suddenly faced mortgage payments they could no longer afford. Our attorneys fight to protect the rights of consumers victimized by wrongdoing. Attention to detail, complete investigation, thorough preparation and willingness to try cases are the cornerstones of our Predatory Lending practice. If you believe you have been taken advantage of through an improper loan, by either being required to pay for insurance you did not want, by being charged very high fees or by repeated refinancing of your loan, or other wrongful acts, please contact us.

LOAN MODIFICATION

A loan modification is a change to one or more of the terms of an existing loan. Loan modifications typically result in interest rate reductions, term extensions, a complete loan program change, or a combination of modifications. These options usually exist for borrowers who have become insolvent due to hardship and can no longer afford their mortgage payments. Attempting to attain an agreement on your own may result in losing time and money. At Allan Law Group P.C, we will conduct a comprehensive review of your loan and your hardship issues, prepare your loan modification papers for your lender or lenders and we will negotiate a loan modification for you.

TILA

If you are facing mortgage foreclosure, we will thoroughly review your loan, the mortgage terms and the lender's conduct in offering you that loan. Some of the most important protections are based on a federal law called the Truth in Lending Act. Please contact us for a mortgage review — even if you believe you received a good loan. Many people are surprised to learn the exact terms of the loan, and many have benefited from foreclosure protections we can readily explain to them.

RESPA

The Real Estate Settlement Procedures Act (RESPA) protects consumers against abusive and undisclosed fees associated with closing a real estate transaction. Its provisions center on information you must receive in documents such as good faith estimates (GFEs), HUD disclosures and escrow statements. You may have paid charges that were either not earned or not properly disclosed to you. We will perform a comprehensive loan review targeted at finding all claims you may have against your lender.

HOME OWNERSHIP AND EQUITY PROTECTION ACT

Special Protections for High-Interest Borrowers

Within the federal Truth in Lending Act, there is an amendment called the Home Ownership and Equity Protection Act (HOEPA). This law imposes more stringent requirements on lenders if a loan is above a certain interest rate threshold, offering special protections for high-interest borrowers. In other words, if you took out a home loan — most commonly to refinance — at an excessively high rate, your lender was subject to even stricter requirements than those for lower-rate loans.