What Foreclosure Services Does Brodsky Law Offer?
Foreclosure is one of the most serious threats a homeowner can face. In California, the vast majority of foreclosures proceed through the non-judicial process governed by Civil Code §2924, which allows a lender to sell a property without court involvement after recording a notice of default and a notice of trustee's sale. The timeline is strict — borrowers typically have 90 days after the notice of default to cure the delinquency before a notice of sale can be recorded, and then a minimum of 21 days before the sale itself. Sasha Brodsky has represented homeowners, borrowers, and lenders in foreclosure matters throughout Santa Cruz County and California since 1998.
California's Homeowner Bill of Rights, codified at Civil Code §2923.4 and related sections, provides important protections for borrowers facing foreclosure, including restrictions on dual tracking — where a servicer pursues foreclosure while simultaneously evaluating a loan modification application. Borrowers may also have defenses based on procedural deficiencies in the foreclosure process, violations of the notice requirements, or the lender's failure to comply with loss mitigation obligations. On the financial side, California's anti-deficiency protections under CCP §580b and §580d can shield borrowers from personal liability for the difference between the sale price and the outstanding loan balance in certain circumstances. Sasha also assists clients with loan modification negotiations, short sale transactions, and strategies to avoid foreclosure when possible.
Sasha's scope of counsel includes but is not limited to:
Whether you have received a notice of default, are facing a trustee's sale, need assistance pursuing a loan modification or short sale, or want to understand your rights under California's anti-deficiency protections, Sasha provides experienced counsel through every stage of the foreclosure process — from initial notice review and loss mitigation efforts through litigation when necessary. He works to protect homeowners' rights, explore every available alternative to foreclosure, and ensure that lenders and servicers comply with California law.
For more information about Brodsky Law's real estate practice, visit our Real Estate Law page. Contact Sasha Brodsky to discuss your foreclosure matter.