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Everyone has a different case so it is best to consult with a legal and tax adviser to make sure you understand the big picture. Below is a list of highly competent professionals to give you the best professional advise on legal consequences of foreclosure, short sale, and bankruptcy and also the tax consequences of short sale and foreclosure.
Keep in mind in most cases when you mainly have issues with your mortgage loans (whether it’s 1st, or 2nd, 3rd, or all), you probably do not need a bankruptcy if you consider a short sale or settlement with your lender(s). Doing a short sale now, your deficiency balance and tax liabilities may be waived completely. Ask the legal and tax advisers about California law SB458 and civil code 580E for anti-deficiency law and HR.3648 and HR.1424 for deficiency tax waiver before December 31, 2012.
The attorney/CPA we work with offer FREE consultation:
Paul Horn
Bankruptcy Attorney | CPA
The Law Offices of Paul Horn
Office: 800-380-7076
E-mail: Paul@startbk.com
Website: www.startBK.com
Eric Ginder
White and Bright LLP
970 Canterbury Place
Escondido, CA 92025
Phone: 760.747.3200
E-mail: eginder@whiteandbright.com
