San Francisco - San Mateo
Oakland - San Jose
& S.F. Bay Area
Attorney Leon Jon Bonney - Providing Professional Licensed Legal Services in Bankruptcy, Business & Immigration To Clients In The San Francisco Bay Area Since 1983
Bonney & Associates
Attorney at Law
- Dedicated and Experienced
- Professionalism & Integrity
- Friendly, Caring Personalized Attention
- 26 Years of Experience
- Award Winning
- Author and Lecturer
- Affordable Rates & Payment Plans
- Affordable Consultations
- Aggressive in Defense of Your Rights
- EXPERIENCE ON YOUR SIDE!
- Convenient Hours Monday - Friday*
* Saturday by special appointment
LAW FOR EVERYONE
Although you may not have met us, we want you to know that we provide quality personalized attention to each one of our clients. With Bonney & Associates each client is our most important client. We know you need us and we are there for you.
(415)
986-0115
Leon Jon Bonney Attorney Licensed by the State Bar of California
Since 1983
Concentrating In -
BANKRUPTCY LAW
Reorganize, Modify or Eliminate Debts -
Bankruptcy & Non-Bankruptcy Solutions for Credit, Business Debt, Consumer Debt, Mortgage Default, Loans, Foreclosure, Home Loan Modification for qualified borrowers, Auto Loans, Federal & State Tax, Seizures, Liens, Attachments, wage garnishments,
Honorable Affordable Solutions For Hardworking Honorable People,
including Families, Individuals and Small Businesses!
BUSINESS LAW
Full Service For Small Business Owners
Full Service For Small Business Owners
IMMIGRATION LAW
Families, Individuals, Appeals (All Cases Represented by Attorney Ramirez under Separate Retention Agreement)
Families, Individuals, Appeals (All Cases Represented by Attorney Ramirez under Separate Retention Agreement)
Do you have questions about hiring an attorney, or about the legal process in general? We are pretty nice people, so we always welcome questions. So feel free to send us an email at info@Lbonney.com and let us know you are writing after having seen our website.
If you are looking for a Licensed Attorney who is a
Bankruptcy Attorney - Bankruptcy Lawyer
Business Attorney - Business Lawyer
Immigration Attorney - Immigration Lawyer
We can help
We serve clients from San Francisco Oakland Daly City San Mateo Hayward and all areas in the Counties of San Francisco, Alameda and Contra Costa.
CONSUMER ALERT - ADVANCE FEES AND LOAN MODIFICATION SERVICES
As the US economy melts into the worst financial crisis since the Great Depression, a slew of individuals and groups, commonly referred to as "foreclosure consultants," have sprung up offering consumers “miracle cures” to foreclosure. If someone offers to fix or modify your mortgage to resolve a foreclosure, and wants to charge you a fee in advance, they are violating the law. Note: even if the person is a licensed real estate broker, this does not authorize them to charge a fee for loan modification to resolve a foreclosure.
See the California Department of Real Estate at
search "Consumer Alert - Advance Fees and Loan Modification Services" on the State's website.
On October 11, 2009 the State of California made it is unlawful for any person “who negotiates, attempts to negotiate, arranges, attempts to arrange, or otherwise offers to perform a mortgage loan modification or other form of mortgage loan forbearance for a fee or other compensation paid by the borrower … to claim, demand, charge, collect, or receive any compensation until after the [attorney or agent] has fully performed each and every service the licensee contracted to perform or represented that he, she, or it would perform.”
The advance fee prohibition for loan modification and forbearance services applies to residential property containing four or fewer dwelling units.
The new law also requires the following written disclosure in at least 14 point bold type regarding loan modification and/or loan forbearance services prior to entering into any fee agreement with a borrower:
“It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov.”
This Consumer Tip brought to you by Attorney Leon Jon Bonney.
CONSUMER TIP - HOME OWNERS WITH SECOND MORTGAGES SPECIAL RELIEF AVAILABLE
If you have a second mortgage on your home, and if your home’s value is less than the total amount of your first mortgage, you may qualify to lien strip your second mortgage off of your home. In many cases this means relief and allows you to pay back your second mortgage only pennies on the dollar. Contact me to see if you qualify. Contact me to see if you qualify.
This Consumer Tip brought to you by Attorney Leon Jon Bonney.
The firm is a debt-relief agency, as defined under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. We assist individuals and businesses in filing for bankruptcy.
