Federal Law Can Stop Your Foreclosure.
For over 20 years, I have used Federal Law to stop foreclosures and protect my clients’ family homes.
I believe you should have an attorney who knows your name and your story, not just your file number. That is why I handle each case personally. You will work directly with me from start to finish - no matter which island you are on.
Available Nights and Weekends by Phone or Video
The Problem: The Bank has Stopped Listening.
You probably tried your best to work out your issues with the bank. For hours you waited on hold, talked on the phone, sent emails, and filled out forms, only to be passed from one unhelpful person to the next.
Now, the bank has hired lawyers.
These lawyers aren't there to hear your story or help you catch up - they are here to take your home.
Federal Law can stop them immediately.
The Solution: A Court Approved Plan.
In my experience, the only foreclosure defense that consistently works is a Chapter 13 Reorganization. This is a type of bankruptcy where none of your assets are taken and only your debt is reorganized.
This is a federally protected repayment plan designed for homeowners who want to take responsibility and pay their debts, but simply need a fair set of rules to do it.
Here is how it works:
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The moment I file your case, a Federal Court order called the "Automatic Stay" goes into effect immediately.
This is a stop button on the entire foreclosure process. It forces the bank to cancel the auction - even if it is scheduled for tomorrow morning.
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Force the Bank to Accept Your Plan: You can spread your missed payments over up to 5 years - often at 0% interest.
A New Chance for Approval: Stopping the foreclosure forces the bank to pay attention. This "time out" often motivates bank to approve a loan modification, even if you have been denied in the past.
They Cannot Force You to Sell: The plan buys you time to list your property and sell it for full value, preserving the money you would have lost at auction.
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I can consolidate your credit cards, personal loans, and medical bills into one payment based on what you can afford - not what the banks demand.
You will pay back a reduced balance at 0% interest, allowing you to eliminate the debt much faster than you could on your own.
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Reduce Your Car Payment: I can often lower your interest rate and reduce your monthly payment.
No Extra Interest or Penalties on Almost All of Your Taxes: You can pay back your priority and unsecured taxes through the plan with no extra interest or penalties.
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The majority of my legal fees are usually included in your monthly payment.
A Hawai’i Attorney - Not a Mainland Call Center.
You may have received other letters promising help. Here is the difference:
I Know Our Courts: I don't mail forms from thousands of miles away. I personally go to court to protect you. I know the Judges, the Trustees, and the court officials here.
I Serve All Islands: I have practiced law in Hawai'i for over 20 years. Although I live on O'ahu now, I lived in Hilo for 15 years and maintained practices in both Hilo and Kona. I help clients on every island.
Who They Are: Mainland companies are often just call centers acting as referral agencies or even worse, “investors” looking to take unfair advantage of your situation so they can buy your home at an unfair price.
Past President: Hawai’i Bankruptcy Bar Association.
Licensed to practice law in all Hawai’i State and Federal Courts.
Proven Results. Personal Respect.
★★★★★
I have earned over 150 5-star ratings on Google. My clients don't just value the outcomes - they appreciate the dignity and respect they receive from me.