About this practice
We provide free consultations for homeowners facing a distressed property situation, and referrals to the right professional once we understand what that situation actually is.
That is the whole service. We do not list houses, we do not buy houses, and we do not lend money. We listen to your situation, lay out every option that applies to it, and — when a next step exists — connect you to whoever is positioned to take it: an agent who handles distressed sales, an attorney who works on short sales or loan modifications, or a bankruptcy attorney. Which one depends on your numbers, not on which of them happened to answer the phone.
This page describes the practice as it exists today and as it is meant to keep working as it grows. Who you speak with may change over time. What you get from the conversation should not.
20+
Years of Experience
1,000+
Homeowners Served
The range of situations
Those two numbers cover a wide range of situations, not one recurring story. We have worked with homeowners behind on payments after a job loss, homeowners underwater on a mortgage after the market moved against them, homeowners sorting out a house after a divorce or the death of a co-borrower, homeowners who inherited a property they cannot afford to keep, and landlords carrying a rental that no longer pencils out.
Some of those situations end in reinstating the loan or a modification. Some end in a sale, with or without equity. Some end in bankruptcy or in letting a foreclosure run its course, because that was genuinely the least bad option available. We do not walk in with a preferred ending. The point of the conversation is to find out which of these is actually yours, which takes specifics, not a script.
How we approach the work
Ask four different professionals about the same distressed property and you will hear four different recommendations, each of which happens to be the thing that professional is set up to provide. A real estate agent's business is listing and selling property, so listing is the advice you get. An investor with cash to deploy has purchase money looking for a home, so a quick discounted purchase is the advice you get. A mortgage servicer administers a fixed set of loss-mitigation programs, so its own menu is what gets described. A bankruptcy attorney practices bankruptcy law, so a filing is what comes up.
None of that is dishonest. It is simply the natural result of asking a specialist for advice — they answer from what they do, not from a survey of what else exists. Every one of those recommendations is correct for somebody. An agent is right for the homeowner with equity to protect. A cash buyer is right for the homeowner who genuinely cannot wait. A servicer's own program is right for the homeowner whose income has recovered. Bankruptcy is right for the homeowner whose problem is bigger than one house. The difficulty is that none of them is positioned to tell you which of those situations is actually yours.
We start from the whole menu instead of one product. Before anyone recommends a direction, we ask what you owe, what the property is worth, what changed in your situation, and how much time is left. Those four numbers narrow nine possible options down to the two or three that are actually live for you. That is the conversation we have before anyone asks you to sign anything, and it is why the referral you end up with — if one applies — is matched to your case rather than pulled from a standing list of names we always give out.
What this practice is not
Saying this plainly, in the body of the page rather than buried in the footer, is part of how we expect you to trust the rest of it.
- We are not attorneys, and nothing here is legal advice.
- We are not CPAs, and nothing here is tax advice.
- We are not a HUD-approved housing counseling agency. That free service exists, and when it is the right fit for you, we say so.
- We are not a brokerage, and this is not a real estate brokerage service.
No outcome is guaranteed, and every situation is different. Where a question is legal or tax territory — what a deficiency waiver says, how forgiven debt is taxed, whether bankruptcy fits your case — we will tell you plainly that it belongs to an attorney or a CPA rather than answer it ourselves.
What a conversation with us looks like
Free, unhurried, and specific to your numbers rather than a script. Read what to expect before you reach out, including what you will be asked and what you walk away with either way.
What to expectYou have more options than you have been told.
It costs nothing to find out what they are.