Some of these documents are essential to understanding the complex laws and regulations regarding foreclosures,and short sale negotiations. While we offer these documents we do not offer any legal advice. We suggest you always contact your attorney for proper legal advice.

Debt Resolution Program Financial Statement (HUD FORM 56412) - This is required by many different lenders to be filed with the seller's tax returns, hardship letter, and other financial proof of burden.

Sample Hardship Letter - Arguably, one of the most critical parts of the successful Short Sale Package.

California Civil Code 1695 - Deals with the provisions for purchase of property that may be in foreclosure.

California Civil Code 2945 - Details what determines a "Foreclosure Consultant".

California Civil Code 890 - 894 - Details "Rent Skimming".

Mortgage Forgiveness Debt Relief Act - HR 3648