Orange County


Debt Management

Many families are faced with overwhelming debt.

From student loans, to credit card debit to high interest mortgages, there are all types of debt that are weighing on families. Use the following resources to learn how to manage your debt, avoid foreclosure and work with lenders to set up a solid financial future. When dealing with overwhelming debt, make sure you know the different laws and other programs in place to protect you and your family, and avoid fraud. 


Let FHA Loans Help You

FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so your lender can offer you a better deal.

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Public Law Center on Bankruptcy

PLC provides assistance to debtors filing for Chapter 7 bankruptcy relief. We will assist clients filing on their own (pro se), through clinics and consultation with staff attorneys. We also refer cases to pro bono attorneys who will represent Chapter 7 debtors for free from the beginning to the end of the case. In collaboration with the Orange County Bar Association, PLC coordinates a clinic for Chapter 7 debtors who have already filed their bankruptcy and have run into roadblocks during the course of their case.

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What is a Short Sale

short sale is a sale of real estate in which the proceeds from selling the property will fall short of the balance of debts secured by liens against the property, and the property owner cannot afford to repay the liens' full amounts and where the lien holders agree to release their lien on the real estate and accept less than the amount owed on the debt.[1] Any unpaid balance owed to the creditors is known as a deficiency.

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How to Get "Cash for Keys" for Your Bank-foreclosed Home Read more :

"Cash for keys" is offered by many mortgage companies to home owners who are being evicted because of foreclosure. 

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U.S. Department of Housing and Urban Development

Housing counseling agencies offer guidance on homebuying, renting, reverse mortgages and default and foreclosure prevention.

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Need Help? Dial 2-1-1

Are you or is someone you know dealing with financial difficulties? Need help with rent or utilities? In need of child care or seeking help with an aging parent? Looking for affordable housing, medical care or after school programs?

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