1. Considering bankruptcy? Please contact us as soon as possible: 415.444.0915
2. Documents: You will need the documents listed on this link for ANY home-save program;
3. Find out who owns your home and if you are in foreclosure. Even if you have not been contacted, you may have a sale date. (We recommend checking the following sites weekly.)
   1. MERS:
   2. County of Marin Assessor-Recorder
   3. ReconTrust (subsidiary of Bank of America)

      ReconTrust Site Disclaimer: The information on this web site regarding foreclosures in process and foreclosure sale dates and times is provided as a courtesy only. It may not be the most current information available as these dates and times can change. In addition, unaffiliated companies or web sites may report on ReconTrust’s business activities. For the most current information regarding ReconTrust’s business, please contact the servicers, trustees, or other contacts listed in any written notices you may have received or contact ReconTrust directly at (800) 281-8219 or by mail at 1800 Tapo Canyon Road, Simi Valley, CA 93063.

4. Forensic Audit: A Forensic Audit (a review of all of your original loan documents performed by a qualified professional) can turn the tide on how your lender treats you during your fight to save your home, including any loan modification discussions. The audit will also aid in a decision to try for modification or take your lender to court (again, with a qualified professional).
5. Produce the Note
   1. (Example of a brief forensic audit document is included.)
6. Service of Process
7. If you must go to court:
   1. Code of Conduct for United States Judges. This form provides a checklist to identify potential conflicts of interest requiring recusal.
   2. The Buddy System. What to expect. How to conduct yourself.
8. Lis Pendens
9. Home Save Considerations: What is best for you and your family
10. Officials to contact regarding issues with your lender;
11. Additional Steps You Can Take to Avoid Foreclosure.

Miscellaneous Forms and Information You May Need

• Attorney Complaint Form: Sadly, we have found that some attorneys do not follow the letter of the law; in such cases, you have the right to file a complaint and the form is provided here.
• Information and forms to file a complaint against a Judge.
• California Courts Self-Help Center
• California Elder Abuse Laws: 39 page guide including real estate scams against elders
• United States Bankruptcy Court: Central District of California Self Service Center
  (bankruptcy code, addresses, filing fees, rules, forms)
• PACER: Public Access to Court Electronic Records

Stay Informed (Learn the Process)

• Clicking on the bar to the right will take you to Quick Study Law guides for "How to Brief a Case," "Civil Procedure," "Evidence," "Professional Responsibility." Knowing as much as possible about legal procedures will stand you well throughout your life.

Additional Reading

• MakingHomeAffordable.gov: Eligibility, Modifications, Resources (En Espanol)
• The State of the Nation's Housing, Harvard University, 2009 (44-page report)
• Protect Yourself from Modification Scams (from California Department of Real Estate)

Home Save in the News

• CNN: Produce the Note
• Nightline: Watch Now
• The Today Show: Mortgage Litigation
• Who ARE these people? Why aren't they in prison?