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    If you have ever wished you could talk to someone who truly understands what it is like to experience hardship, who has experienced the stress and sleepless nights and ask them what they did to limit their liability and make the best financial decisions, I am that person. What’s more, I have since gone on to use my personal hardship and the intense study and research to protect myself to now help protect hundreds of California homeowners and direct them so they can avoid some of the mistakes I made. I now know how to deal with or eliminate possible tax consequences and financial liability using CA laws that most people are either unaware of or don’t fully understand.

    Many people are frustrated with all the conflicting ‘advice’ out there about short sales, loan mods, bankruptcies and the consequences of foreclosure.

    You can call my office at 888-668-9680, or if you not quite ready to talk with me by phone, you can discreetly ask your questions by scrolling down to the bottom of this page and asking me any question. This message goes directly to me and me alone. I will answer any and all question submitted to help you determine which option is best for you in your specific circumstance. It’s important to understand that each person’s situation is different and the best option for one person (say, for example a loan modification) may be a horrible option for another person (someone who may be upside down $100K+ in equity).

    If you want a direct response by phone or email, fill out the form below and specify how you prefer to be responded to and you will get a direct response from me, Julie Boyd:

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