plc real estate legal advisory solutions - short

8/4/2019 PLC Real Estate Legal Advisory Solutions - Short

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Toll Free: (888) 661-7782

Prosper Law Group LLPLos Angeles San Francisco San Diego
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PROSPER LAW GROUP LLPLos Angeles San Francisco San Diego

Prosper Law Real Estate Legal Advisory Solutions

For almost 5 years, Prosper Law and its legal team has been helping clients resolve their issues with

their distressed properties. Recently, with foreclosures at an all-time high, Prosper Law has formed a

Staff of Top Foreclosure Defense Attorneys to protect the interests of Real Estate Professionals and

distressed homeowners they serve with a suite of foreclosure alternative solutions.

Overview of Prosper Law Group, LLP

Prosper Law Group LLP, (Prosper Law) specializes in real estate litigation and business litigation in

California and Colorado. Prosper Law was formed by a group of experienced attorneys with decades of

experience in litigation, debt negotiations, real estate transactional matters, restructuring, and finance

and debtor defense for both individuals and corporate clients.

PRESSURE TO PERFORM

Real Estate Professionals are being asked to do more now than ever in this unprecedented distressed

market. Theyre being asked to discuss the financial, tax and legal consequences of a foreclosure or

short sale and in an effort to provide good service, they often make the mistake of providing advice

in areas theyre simply not qualified to address leaving themselves and their brokers both legally and

professionally vulnerable. Agents are fed a plethora of training offerings from purported gurus aimed

at making them experts in the three days it takes to complete the offered certification program but

the fact is, in this rapidly changing market you cant become an expert in the time it takes to complete a

course. New regulations from the Department of Real Estate and the various state and federal

legislative bodies for Mortgage Assistance Relief Services change almost daily making it nearly

impossible to cover all the bases accurately for any individual real estate professional.

Prosper Law stands in the gap to provide real estate professionals and the clients they serve with expert

legal advisory services. We effectively work as your legal back office and operate as an extension ofyour business to make sure your clients have been provided with proper disclosures for your distressed

real estate transactions. Further we help your client get answers to their real estate related legal

questions about bankruptcy protection, selling their home through a short sale, giving a deed in lieu of

foreclosure, consequences of a foreclosure and mortgage litigation options.

REAL ESTATE PROFESSIONALS MUST PROTECT THEIR CLIENT AND THEMSELVES

Legal services are critical and absolutely necessary because of the severe consequences your client

would face from the loss of their home. From experience you know all too well the emotional upheaval

and financial devastation this causes for clients and their family. Access to our services will provide you

with important resources to help your client in their most dire time of need. As important, some law

practices are now focusing their litigation efforts toward nonsupervising Brokers and incompetentAgents who became purport to be certified short sale or foreclosure experts because they have

completed training but never completed a Short Sale transaction.

Why take that risk with your livelihood? Real Estate Professionals could face possible recourse from

clients and attorneys seeking to remunerate them for their losses by suing agents, brokers and their

E&O Insurance carriers. You simply must protect your client and yourself.


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Ask yourself, do I really know all or most of the regulations and laws issued by the Department of Real

Estate, Consumer Financial Protection Bureau and Department of Justice? Do you know the provisions

of Civil Code 1695, Senate Bill 94, 458, 931 and the FTCs new Mortgage Assistance Relief Services

(MARS) Rule and how they apply to my seller, the buyer and me?

Unfortunately in a time of financial hardship, consumers will often look for someone to blame and many

industry professionals agree that Brokers and Agents will be next in the legal crosshairs for financial

penalties because of a failed short sale or the provision of advice and services they are unqualified to

deliver. Your Agent Fiduciary is broad and applicable.

As many know, servicers, lenders and investors are increasingly waiting until one hour prior to sale to let

your seller know if their foreclosure sale is postponed while in the process of a short sale or under

consideration for a loan modification. This purposefully leaves no room or time for you to direct your

seller in order to protect them and you from loss. You could spend months working on your clients

behalf to facilitate a mutually beneficial foreclosure alternative making your effort to apply proper

diligence only to have them sweep your feed from underneath you with a last minute decision to move

forward with a foreclosure. Why you ask? We shouldnt be surprised, they make it very clear in both

written and verbal communication that they are a debt collector and they are there to collect a debt.

Now you can better protect yourself and provide the help, assistance and hope to your clients, which

you are obligated to do. You can even legally recoup some expenses for your nearly yearlong worth of

work.

AFFORDABLE LEGAL ACTION ATTORNEY LITIGATION AND FORECLOSUREPREVENTION SERVICES

- Short Sale Negotiation- Bankruptcy-

Debt Settlement- Mortgage Litigation- Unlawful Detainer Defense


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MORTGAGE SECURITIZATION LITIGATION

Your client could be a victim of intentional fraud and corporate greed. Prosper Law Corporation helps

you help them fight back! Now your clients can affordably sue the bank, stay in their home and

exercise their Constitutional right to control the outcome of their home ownership. This may come in

the form of a loan restructuring, a buyback or even an approved short sale. The point is they get to

make informed decisions that are best for themselves without duress!

Recently foreclosure freezes along with various Federal and State Foreclosure Court Cases involving

major lenders have revealed the existence of violations and missteps throughout the origination,

packaging, servicing, securitization, and foreclosure process of millions of loans nationwide.

Approximately 97% of all loans originated between 2002 and 2008 were entered and subsequently

securitized through an industry software portal known as the Mortgage Electronic Registration System

(MERS). Loans transferred through MERS have resulted in the discovery that clear line of title on over

60 million homes nationwide has been illegally broken. Without clear line of title, the servicers and

banks that purchased your loan lack the proper legal standing to collect and foreclose on the mortgagesthat they service.

The primary issue among others is that MERS has been used as the primary agent for maintaining the

paperwork for the banks and servicers, however, MERS failed to maintain the original, and legally

necessary, paperwork. The end resultYour title may no longer exist!

What does this mean for your client? Simply this; If they cannot produce what they do not have, they

are in violation of the law, which puts you in a very good position.

Prosper Law Corporations Solution: Securitization Litigation

At Prosper Law Corporation, we believe the best solution to the current housing crisis is Mortgage

Litigation to hold banks, servicers and investors accountable for their deceitful actions and negotiating a

Principal Reduction for homeowners. When a distressed homeowner has their principal reduced and

some negative equity eliminated, a sustainable and permanent solution is created for both the

homeowner and the lender. (Unlike a Loan Modification that only temporarily helps both parties)

When foreclosure looms, and a sale date rears its ugly head, it's easy to feel overwhelmed. Sometimes

we feel like fighting even harder, and sometimes we just want to walk away. When walking away just is

not an option - call us. We can provide a customized, pressure free course of action to restoring your

financial sanity - starting with your home. If it is your principal residence, a second home - or an

investment property, we may be able to qualify you for our Mortgage Litigation Program and help

restore some peace of mind.

BACKGROUND:

Have you been watching the news lately? Are you one of the 97% of borrowers in the MERS system that

may have securities fraud or any number of "mishaps" hidden in your loan THAT THE BANK DOES NOT

WANT YOU CLIENT TO UNCOVER?


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MORTGAGE SECURITIZATION LITIGATION CONTINUED

Have your clients been told your only option is a Short Sale in order to avoid foreclosure, but they really

want to keep your home? If so, READ ON!

Why do you think politicians are speaking up about the extreme number of illegal foreclosuresgoing on nationwide? Why is it heating up???

Why do you think Bank of America announced on October 8th, 2010 that they would besuspending foreclosure proceedings in all 50 states while they scrutinize their procedures?

Why do you think the Governor of Maryland signed a joint letter with other Congressmen andthe Attorney Generals calling on mortgage servicers to halt current and future foreclosure

proceedings until homeowners can be assured theyre being treated fairly?

"There has been fraud in the solicitation, origination, processing, closing, servicing, and securitization

of loans, fraud in the packaging, selling, and credit-rating of mortgage backed securities; fraud in thecourtroom; fraud in the boardroom, fraud on the floor of the Stock Exchange and in the media who

have suppressed this story. There is plenty of fraud to go around."

- A Retired Appellate Judge

**Source: "Mortgage Wars" by Iris Martin

WHAT ABOUT THIS?

In a recent legal proceeding against Bank of America, an official acknowledged that she signed up to

8,000 foreclosure documents a month and typically didn't read them (FRAUD).

IS YOUR LOAN A STATISTIC?

The banks intent on bowing to the moratorium pressure is not because they have you in mind... It is to

save themselves from this increasingly public disaster and to avoid more lawsuits where they lose

millions of dollars and get bad press but it will not last forever. Theyre giving Prosper Law Corporation

time to prove and defend your clients abuse. Theyre giving us time to help your client claim what is

theirs but they must be proactive.

WHAT WE CAN DO FOR YOUR CLIENT

If their loan falls into the 97% of those with VIOLATIONS, they may qualify for a Mortgage Litigation

and be able to secure a principal reduction of their loan balance! We audit their loan and title

documents to determine if there are violations contained in their loan file and if we find them, we can

litigate to secure a reduction of your principal to current market value of your home or even lower.

Our Experts analyze and leverage the Laws looking for the following abuse against you:

Securities Fraud Notary Abuse Lack of Proper Notification Missing Files / Notes / Signatures / Deficient Documentation Documents Signed By Employees Without Verification (Robo Signings)


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Forged signaturesMORTGAGE SECURITIZATION VIDEO AND NEWS

Securitization Video Part 1 Why we start with a Securitization Audit

A Securitization Audit IS

- Detailed Report on the Chain of Title of your mortgage- Violations of Trust Law (assignments and endorsements)- Violations of Internal Revenue Code regarding REMIC (Real Estate Mortgage Investment Conduit)- Provides evidence that the party that purports to own your note (usually a trust) does not in fact

own it.

- Excellent litigation toolA Securitization Audit IS NOT

- A Forensic Audit Forensic Audits look for Predatory Lending Violations of RESPA, TILA etc.- A Title Search A title search tells you about liens placed on the property and not the history of the

ownership of the liens and underlying instruments.

What This Could Mean to You

- If the note is not validly held by the party who is foreclosing on you, you may be able topermanently stop them from foreclosing.

- Even if you are NOT in foreclosure, you may still be able to file a suit to Quiet Title.- By becoming informed and building a powerful suite of evidence, you could gain the upper hand in

negotiations with your lender.- If you decide to file suit against your lender, use the skills of an experienced securitization litigation

attorney who is familiar with the process.

The next housing shock60 Minutes Coverage of The Problem April 3, 2011 5:00 PM

Mortgage mess: Who really owns your mortgage?60 Minutes Overtime summary 4/3/11 6:01 PM

MORTGAGE FRAUD:LINDA GREEN EXPOSED 5-27-2011

BRYLLAW LITIGATION: AURORA WITHDRAWS FORECLOSURE-RELATED LAWSUIT AFTER HOMEOWNER

COUNTERCLAIMS BASED ON MERS AND DEFECTIVE SECURITIZATION- Posted by 4closureFraud on June

3, 2011

California State Bar Shuts Down Rogue Law Firm

Attorney General Kamala D. Harris Sues Kramer & Kaslow and Several Other Law Firms
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BANKRUPTCY SOLUTIONS

Millions of Americans face the difficult decision of whether to file for bankruptcy or seek other solutions

for their debt problems. With our economy in troubled times, many have fallen further and further

behind on their bills and are no longer able to repay them. If your clients find themselves in this

situation, Prosper Law Corporation can help them with solutions that will assist them in getting their

finances back in order. Prosper Law Corporation is affiliated with attorneys who have helped over

60,000 individuals to successfully eliminate their debt. We provide personalized service to our clients

and individual attention to their concerns.

With a free initial consultation that is completely confidential, we can review your clients specific

situation and recommend a solution that we feel will work for them. Our experienced team can help

them with the following: filing bankruptcy, Chapter 7, Chapter 13, Chapter 11, creditor abuse,

alternatives to bankruptcy, bankruptcy exemptions, debt negotiation, discharging debt, debt settlement,

debt relief, debt litigation, debt consolidation, collections defense, debt counseling, repossessions, wage

garnishment, and credit restoration.

Don't let creditors take advantage of your clients and make them feel as if they have no one to turn to.

Our committed bankruptcy lawyers are standing by ready to provide them with the legal expertise they

need during this difficult time.

Filing Bankruptcy in California, Nevada, Arizona and New York

If a client is considering filing bankruptcy, it is absolutely essential that they speak to an attorney. An

experienced bankruptcy firm like Prosper Law Corporation will be able to help them understand how

filing bankruptcy will clear many of their debts and allow them to start fresh.

Your Prosper Law Attorney will explain to them how their case will proceed and what protections areavailable to them under their state's bankruptcy law. At Prosper Law Corporation we understand that

they have faced some difficult decisions in the process that led to their decision to file bankruptcy. We

are here to help.

By contacting Prosper Law Corporation, you will help them make the first step in filing bankruptcy and

finding a bankruptcy attorney. Remember to bring all of your financial documents to the initial

consultation so that they will get the best advice possible. Together, we will review their financial

situation and determine the best course of action to fit their needs. Once we have determined if they

qualify for Chapter 7 bankruptcy, we will work to move the bankruptcy process ahead quickly and

smoothly.

For those who do not qualify for Chapter 7, there is still an option open to them. They can still file a

Chapter 13 bankruptcy case. It will require them to enter into a payment plan that will be designed to

meet their current ability to play.

If they are facing financial hardships and are looking to protect your home from foreclosure or a vehicle

from repossession, filing a Chapter 13 bankruptcy will protect their home or car. It will stop foreclosure

or repossession actions and provide them with a way to catch up on back payments.
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Financial problems can be trying, but there is help available. Filing bankruptcy can bring relief from

creditor phone calls and debt collection efforts. It will allow your client to restructure their debt and

begin building a brighter future.

Chapter 7 Bankruptcy

Known widely as "liquidation" or "straight bankruptcy", Chapter 7 bankruptcy provides filers with

protection from their creditors and relief from many of the debts that have overwhelmed and burdened

them. It will allow them to clear most of your outstanding debts quickly and get a fresh start in their

financial life.

To qualify for a Chapter 7 bankruptcy they must make less than the median income for people in their

area. If their income is above the median income level in your area, they may still be eligible for Chapter

7 protections, but they will have to undergo a means test to determine how much disposable income

you have.

To determine this, your monthly expenses for rent, utilities and payments on items not included in the

bankruptcy will be deducted from your monthly income. Your disposable income is then multiplied by60 to see how much money would be available to pay your unsecured creditors over a five year period.

If this total is $10,000 or more, they will not be eligible for Chapter 7 bankruptcy and will be required to

enter into a Chapter 13 bankruptcy repayment plan. If their disposable income totals less than $10,000

in a five year period, there is still more to the means test. If their disposable income is $100 a month or

more, and the total over the five-year period is equal to 25 percent of your unsecured debt included in

the bankruptcy, they will be required to file a Chapter 13 bankruptcy. If their disposable income is less

than $100 a month, you will qualify for Chapter 7 bankruptcy protection.

Under Chapter 7 bankruptcy, they will have the ability to keep all of their exempt assets. Exempt items

differ from state to state. Generally they will include retirement savings in approved pension, 401k and

individual retirement accounts (IRA). The often include a homestead, vehicle and personal items. Speakto a Prosper Law Corporation bankruptcy attorney about which assets are protected under the

bankruptcy laws in your state.

Some debts are not eligible for discharge in bankruptcy. Child support payments, student loans and

most tax debt will not be discharged in bankruptcy.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy, often called "wage-earners bankruptcy", provides a person with a way to

achieve a new start, but requires the filer to pay off some of their outstanding debts. Under the terms

of Chapter 13 bankruptcy your unsecured debts are combined into one category and a payment plan isdeveloped based on calculations of their disposable income. They will still have enough of their income

to pay their living expenses, such as house payment, car payment and utility bills, but the largest part of

their income above those expenses will be used to pay off your unsecured creditors over a 3 to 5 year

period. Once the agreed payments have all been made, they will receive a discharge for your debts that

were included in the bankruptcy, whether or not the payments satisfied the outstanding balance.


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Filing a Chapter 13 bankruptcy requires your client to submit a detailed budget to the court and the

trustee. It may take time for them to compile all the records necessary to file a Chapter 13 case. Your

Prosper Law Corporation bankruptcy attorney will help you evaluate their financial situation and

prepare their case for court.

When your client files their case, they must begin making payments to the Chapter 13 trustee who will

oversee the payment of your debts in the bankruptcy case. If they wish, most trustees will allow them

to set up an automatic draft so that payments can be made from their bank account automatically.

Typically debts that they owe to the government are not dischargeable; but including them in their

Chapter 13 plan can have many benefits. Chapter 13 bankruptcy freezes interest and penalties on taxes.

This will allow their payments to go directly to the principle, greatly reducing your interest and penalty

burden. Chapter 13 will stop the government from adding more penalties and interest to their back

taxes.

Benefits of Bankruptcy

If your client has fallen deeply into debt, it is wise for them to consider the benefits of bankruptcy. Thisis particularly true of they are suffering wage garnishment or attachment of your bank account. This is

not an action to be done lightly however. It is best to consult a bankruptcy lawyer to evaluate their

situation, advise as to their options and help them carry out their plans.

Benefits of Chapter 7 Bankruptcy

This chapter is for those who lack a realistic hope of paying off their debts. It results in full discharge of

dischargeable debts. The benefits include:

All dischargeable unsecured debts are discharged. Your creditors must stop all lawsuits or harassment actions. Wage garnishment is halted. You may keep exempt property. This includes, within limits, clothes, wedding rings, furniture,

appliances, a modest car and tools of your trade including books. Home owners may retain their home equity up to a certain amount. You may keep your car or home if you can keep up the payments.

Benefits of Chapter 13 Bankruptcy

This chapter is for debtors with a good income but need time to pay off their debts. It allows the debtor

to pay off all debts over a three to five year period. Here are some of the benefits:


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As with Chapter 7, all creditor action against you is halted. You may keep all of your property. You pay off your unsecured debt interest free. You may reduce your overall monthly payments by having your debts consolidated into one

payment to the bankruptcy trustee.

This action buys time to handle a bankruptcy foreclosure. You may include your home loanarrearages in your payment plan. You may then keep the home if you can maintain your

mortgage payments in addition to the Chapter 13 payment for your past debts.

Contact a Bankruptcy Lawyer

At Prosper Law Corporation, our seasoned bankruptcy attorneys can advise your client regarding the

filing of bankruptcy. We will go over their situation and evaluate how alternatives to bankruptcy,

Chapter 7 Bankruptcy, Chapter 13 Bankruptcy would work for them. We will then advise them of their

options and let them decide. We will then assist them to carry out their objectives.


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SHORT SALE DECLINED FORECLOSURE SALE DATE TOMORROWAccording to the National Association of Realtors, only 37% of short sales close successfully! This

means over 60% of all Short Sales fail to close and go to foreclosure. A short sale is an outstanding

borrower alternative to foreclosure but unfortunately uncooperative servicers, unrealistic investor

expectations and uncommitted buyers often stop them dead in their tracks.

Short-sale disputes were designated as the most significant legal issue facing real estate professionals,

according to the recentNational Association of Realtors 2011 Legal Scan: Legal Issues Facing Real-Estate

Professionals. This survey states that 55% of respondents consider short sales as the primary cause of as

significant number of disputes and 76% predict they will be one of the top 3 legal issues they face in the

future. What do they say is the cause? A lack of sufficient training...

Unfortunately, this often results in professional malpractice that prevents a homeowner from enjoying

the long term credit benefits of a short sale because some agents are too ill equipped, unprepared and

inexperienced to successfully advise their clients and negotiate on their behalf resulting in a foreclosure

and further credit damage that may prevent them from purchasing another home for up to 7 years andsadly, exposing the real estate professional to broadened litigation exposure regardless of their best

efforts to assist their client.

Prosper Law can help you and your clients minimize the risk of short sale failure and the subsequent

consequences for both the client and you as a real estate professional by providing expert Short Sale

Processing and Negotiation services through its team of Short Sale Attorneys and support staff.

We know that Banks, Servicers, the Mortgage Insurers, 2nd Trust Deed holders and Investors are often

unreasonable, incompetent, unfair, illogical, dishonest and profitdriven in their Short Sale decision

making process. As a result, real estate professionals are often ill-equipped to fight on behalf of their

clients with the weapons equal to those the banking industry will use against them. By aligning withProsper Laws Short Sale Processing and Negotiation Team, you have the fire power to defend your

client and the collective knowledge and experience necessary to close more transactions, provide the

best service for your client and maximize your potential income.

CLIENT SUBMISSION PACKAGE DOCUMENTS

1. Homeowner Submission Checklist2. Property profile3. Authorization Form(s) Use a separate one for each lender. Two (2) copies are provided4. Hardship Letter5. Financial Statement6. Client Agreement (Prepared by PLC)
http://www.dsnews.com/articles/survey-finds-reos-and-short-sales-are-major-causes-of-legal-disputes-2011-08-01http://www.dsnews.com/articles/survey-finds-reos-and-short-sales-are-major-causes-of-legal-disputes-2011-08-01http://www.dsnews.com/articles/survey-finds-reos-and-short-sales-are-major-causes-of-legal-disputes-2011-08-01http://www.dsnews.com/articles/survey-finds-reos-and-short-sales-are-major-causes-of-legal-disputes-2011-08-01http://www.dsnews.com/articles/survey-finds-reos-and-short-sales-are-major-causes-of-legal-disputes-2011-08-01http://www.dsnews.com/articles/survey-finds-reos-and-short-sales-are-major-causes-of-legal-disputes-2011-08-01http://www.dsnews.com/articles/survey-finds-reos-and-short-sales-are-major-causes-of-legal-disputes-2011-08-01


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DEBT SETTLEMENT SOLUTIONS

Some clients have been paying their debts in good faith each month, but now their circumstances have

changed. A job loss or a medical emergency can create a financial situation that can be difficult and

stressful. To pay their bills they find themselves using their savings or paying down the balance of one

credit card with another. This does not really solve the basic problem, but only postpones it, while their

debts, interest and penalties continue to grow.

They are not alone. According to the American Psychological Association as many as 80% of Americans

are stressed out about their personal finances, many of whom are greatly concerned about being able to

provide for their family's basic needs. Mounting debts can also cause health problems such as sleep

difficulties and anxiety. There is help available for them. The qualified bankruptcy lawyers from Prosper

Law Corporation have helped thousands of well-meaning individuals achieve debt relief. We have the

tools and financial expertise to help you through your financial crisis.

The Debt Settlement Process

Debt settlement is a process in which our attorneys contact each of their creditors and negotiates a

settlement with them that consists of a portion of the total debt owned. It is a complex process that is

best managed by competent financial professionals with a proven track record. We can help you with

debt from:

Credit cards Credit unions Unsecured loans Business loans Unsecured personal lines of credit Cars in repossession Medical and hospital bills Lawsuits

We will arrange to stop the late fees and penalties that have been mounting on their accounts, and help

limit the harassing phone calls from collection companies. When the debt settlement process is

completed, we will help them create a financial plan that promotes sound debt management so they

may look to the future with hope once more.

Everyone's debt situation is individual and so different remedies apply to different people. At the firm

we talk to the client to learn the full financial picture. We then advise clients of their options. Once theclient decides on the most suitable option, we proceed to help the client to solvency.

Debt Settlement is a remedy for those with a few, large unsecured debts. The attorney will negotiate a

lump sum payoff of the debt at 40% to 60% of the original amount. In some cases filing for bankruptcy

is the most viable and workable solution to resolve matters and allow you to move on with a fresh start.


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Short sales may be a solution for a client with a house loan exceeding the value of the house. If the

client can no longer make the payments, the attorney recommends the client find a buyer for the house

even if at a value less than the loan. The attorney then negotiates with the lender to accept the price

offered by the new buyer as full satisfaction of the client's loan. This protects the client from the

repercussions of a foreclosure on his or her credit report.

Help with Wage Garnishment

If they are suffering from a wage garnishment, fast action is required. If they have the means to pay off

debts but need time, Chapter 13 Bankruptcy is an option too. Here they enter into a plan to pay off

debts over a 3 to 5 year plan. They pay off unsecured debts interest free! Meanwhile they enjoy

protection against wage garnishment and other collection action. If they do not have a way to pay off

their debts even if given 5 years, they may qualify to discharge your debt through Chapter 7 Bankruptcy.


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EVICTION AND UNLAWFUL DETAINER DEFENSE

If your client lost their home to foreclosure and has been served with an eviction notice Prosper Law

Corporation can help them control their exit from the property and help them get the time they need to

plan their next move.We understand Eviction Law and we can STOP any EVICTION. It doesnt matter if it is a 3 day, 5 day, 30

day, 60 day or 90 day notice, unlawful detainer, even Sheriffs Notice to Vacate. We can your client an

average of 60 days or more, to stay in their current residence starting today!

Our lawyers and paralegals handle evictions professionally, within the law Anywhere in California!

We stop foreclosure evictions. We stop short sale evictions. There is no office visit required and we

handle everything for you via email, phone call and fax. Our lawyers, paralegals and specialists

combined have over 75 years of evictions experience and we can help your clients remain in their home

an average of 60 days until they are able to find a new residence.

MEET THE ATTORNEYS

Our litigation attorneys have extensive litigation experience in a variety of real estate and business

matters and have specialized expertise in mortgage securitization, negotiable instruments,

challenging standing of creditors in bankruptcy adversary proceedings, fraud and breach of

contract cases.

Gordon F. Dickson

Chairman and Senior Partner

Gordon Dickson began practicing law in 1989 and is a senior attorney

focusing on foreclosure defense, note securitization, debtor / borrower

representation, complex business litigation and transactional matters. Mr.

Dickson has extensive experience representing consumer and corporate

borrowers in complex litigation and in negotiating workouts and has

extensive business experience. He has litigated and/or negotiated multi-

million dollar cases and settlements and has trial and appellate litigation

experience in a variety of courts, including the California and US Supreme

Court. Mr. Dickson tried a case against a major utility company where over $100M was at issue and

successfully represented the client through both the appeals court and an appeal to the CaliforniaSupreme Court. He was also the CEO of a international film studio and set up overseas operations in

Asia and the Middle East.

Mr. Dickson is licensed in the State of California and previously practiced law at the law firms Baker

& McKenzie and Bingham, McCutcheon. Mr. Dickson received his law degree from the Georgetown

University Law Center.


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Deborah P. Gutierrez

Managing Partner

Deborah Gutierrez focuses her practice on foreclosure defense litigation and

real estate transactional matters. Ms. Gutierrez has helped stop foreclosures,

reduced homeowners monthly mortgage payments, and rescinded

foreclosure trustee sales. Ms. Gutierrez also specializes in bankruptcies and

has dedicated her practice to assisting homeowners in the foreclosure crisis,

believing that homeowners can and should fight back against unscrupulous

business practices.

Ms. Gutierrez is a former class action litigator with extensive experience prosecuting consumer

class action lawsuits in federal and state courts. Obtaining million-dollar settlements, Ms. Gutierrez

prides herself a champion of consumer rights and works hard to provide quality legal

representation personally tailored to her clients needs.

Ms. Gutierrez is a frequent contributor to legal publications and has published such articles as In

Wyeth, Supreme Court Could Define Implied Federal Preemption in CAALAs Advocate Magazine.

She is a native Spanish speaker and performs pro bono work for non-profit organizations in her

community.

Ms. Gutierrez earned a degree in political science with a minor in French from the University of

California, Los Angeles. She received her Juris Doctor, cum laude, from New England School of Law

where she was the Current Developments Editor for the New England Journal of International and

Comparative Law.

Ms. Gutierrez is a member of the Consumer Attorneys Association of Los Angeles, Consumer

Attorneys of California, The American Association for Justice, and the Mexican American Bar

Association.

Richard M. Gee

Attorney

Richard M. Gee is a litigation and transactional legal specialist with over

two decades of legal experience, emphasizing real estate, business,

probate, estate planning, trademark and copyright matters. Mr. Gees

litigation practice encompasses a wide range of business, real estate and

intellectual property matters as well as probate. He has successfully

represented clients before Colorado and California courts and

administrative agencies, as well as before arbitration panels and mediators. Recent cases include


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title disputes, shareholder/member/director/officer liability issues, foreclosure matters, Colorado

forcible eviction matters and California unlawful detainer matters as well as mortgage fraud and

consumer loan issues. A native Spanish speaker, Mr. Gee has represented several Latin-American

individuals and companies in business and real estate matters both in the United States and in Latin

America. He is admitted to practice law in California and Colorado.

Bar Admissions:

California, 1988; Colorado, 2006

Education: Loyola Law School, Los Angeles, CA Juris Doctor. 1988. Deans List, Recipient, American

Jurisprudence Award in Trial Advocacy

University of California, Los Angeles, CA B.A., History, 1984. Deans List, Phi Eta Sigma

Kelley Baskins

Associate

Kelley Baskins is an associate at Prosper Law and specializes in wrongful

foreclosure defense litigation.

Ms. Baskins earned her bachelors degree in psychology with minors in

English and communications from the University of Denver in 2006,

graduating magna cum laude. She received her Juris Doctor from

Southwestern Law School in 2009. While in law school, Ms. Baskins gained

valuable courtroom experience as a certified law clerk at the Los Angeles District Attorneys Office,

working in the Hardcore Gang Unit. She also participated in the Student Bar Association, Street Law,

and wrote for Southwesterns The Commentator Newspaper. Ms. Baskins is admitted to practice in

the states of California and Colorado.

Hazel Chu

Associate

Hazel Chu is an associate at Prosper Law, focusing her practice on foreclosure

defense litigation.

Ms. Chu earned a degree in Business Administration from University of

California, Riverside and a J.D. from Golden Gate University School of Law. At

Golden Gate SOL, Ms. Chu was an active participant and board member of the

Asian Pacific American Law Student Association as the Community Relations

Director and Financial Director and Corporate Asset-Management Property Investment and Tax

Association Group. Ms. Chu was also a member of the Bay Area Korean American Bar Association,

Asian American Bar Association and the American Bar Association. Through her involvement in the

Bar Associations, Ms. Chu volunteered at various legal clinics providing pro bono legal counsel.


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PROSPER LAW GROUP LLP

Before joining Prosper Law, Ms. Chu interned at various San Francisco- based firms specializing in

real estate litigation and landlord/tenant law. Ms. Chu is a member of the California State Bar and

focuses her practice in real estate litigation.

Maryanne Pitcher

Associate

Maryanne Pitcher is an associate focusing her practice on foreclosure defense litigation. Prior to

joining Prosper Law, Ms. Pitcher concentrated her practice on immigration law, public benefits and

special education Law. Ms. Pitcher externed with the United States District Court for the District of

Arizona, as well with Maricopa County Superior Court.

Ms. Pitcher earned her bachelors degree in Justice Studies from Arizona State University. She went

on to earn her Juris Doctor from the Sandra Day OConnor College of Law at Arizona StateUniversity, where she was the Note and Comment Editor on the Arizona State Law Journal and was

named a Pedrick Scholar. Prior to law school, Ms. Pitcher worked in leadership development,

management and training.

Ms. Pitcher is committed to community service and provides pro bono legal services for two Los

Angeles based nonprofits.

Ms. Pitcher is licensed to practice law in both California and Massachusetts.