bankruptcy options california

Who can help me, the agencies receive a settlement with a collection?

I have a second Mortgage (HELOC) with a collection agency. I have a settlement offer to collection agencies, which they denied. I can not offered to the amount they want me to pay. Can a lawyer help me a better scheme? If I have to hire an attorney, I have to take a bankruptcy attorney or any other law? My 1st Mortgage with BOA, the current one, and the current value of the property less 45% as my 1 Mortgage. I'm in California. If the note does not work, her other ways to eliminate this credit without filing bankruptcy? I would not log on insolvency, if it is the last option. (This was originally 80-20 loan I had with BOA. I got a modification for my 1st mortgage and 2nd mortgage now with the collection agency.

I found from these lawyers to help here; www.lawyersearchcentral.tk

Girgis Law Firm – Bankruptcy, Personal Injury, DUI Attorney – Woodland Hills, CA