Welcome to our Web site! We are California Attorneys & Counselors At Law, serving California Clients only; however we do associate on select matters with national lawyers or lawyers from other States, Countries, or jurisdictions. The firm handles matters of Litigation, Transaction, and Negotiation, in Civil, Criminal, International and Policy matters. The firm also handles Business, Lending, Corporate and SOX matters. The firm’s national associates have recovered billions in redress. The firm has no allegiance to any one industry.

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HELPING BANKS, LENDERS & SERVICERS HELP BORROWERS!™

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Attorney Specialized Fast Loan Workouts & Infused Lender Risk & Loss Mitigation
Avoid Delays, Foreclosures & REOs! Critical Solutions for all Market Participants!
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Information line 800-770-0797 extension 702

New Problems, New Solutions!™
Band-Aid Extensions Won’t Work! Learn Our Mutual Waiver 4B Loan Modification Solution!
Learn About TID™, SHILO™, FMII™ Safe Harbor Contract and Fair Debt Solutions!

Drill Down For The Topic of Concern:

BANKING & MORTGAGE LENDING LITIGATION | SETTLEMENTS:

SubprimeLawGroup.Com™
Special Solutions Counsel, Mortgage Industry Group™
Confidential Legal Strategy Representation

BANKING, MORTGAGE LENDING & SERVICING
LITIGATION | SPECIAL SETTLEMENTS | PLANNING & RISK PROTECTIONS
DEFENSE & PROSECUTION

New Federal & State Law Coordination and Compliance

Mortgage Loss Mitigation Planning

Avoidable “Conflicts” in Mortgage Loan Modifications & Workouts

New Standards for “Neutral” Workouts - Avoiding Lawsuits

Multi Tier Servicing or M&A Conflicts of Interests, Suitors, Investors & Solutions

“Advance” Reimbursements

Pooling & Servicing Agreements and Authority Issues

Protections from Investors

Protections from Borrowers

Enforcement of Insurance Claims & Bad Faith Insurance Denials

Negotiations of Mortgage Insurance Disputes & Denials

Protections from Property & Casualty Underinsurance Risks

Problems Relying on Ratings Based Upon
Thinly Capitalized “Reps & Warranties”

Lawsuit Defense & Prosecution

Buy Backs & Repurchase Agreements, Negotiations, Settlements & Litigation

Secondary Market Liability Issues

Assignee or Trust Issues - Lawsuits

Merger & Acquisition (M&A) Liability Issues - Lawsuits

Loan Risks & Portfolio Issues - Lawsuits

Insurance Sufficiency Representations - Lawsuits

Risk Assessment, Exposure, & Mitigation

For information click here.
Richard Ivar Rydstrom, Esq.
National Joint Client Group
(949) 678-2218 (Direct)

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Problems & Solutions re Banking, Brokers, Lenders, Investors: In 2007, Mr. Rydstrom, Esq.has been published by Chairman Rangel of the House Ways and Means Committee for the 110th Congress of the United States on Solutions to the Economy, Predatory Lending, Defaults & Foreclosures. Mr. Rydstrom created new Suitability Disclosures (TID) and risk mitigation devices (SHILO and FMII, DMII, IMII, BMII) that resolve issues for all market participants, including the borrower. Mr. Rydstrom created non-cash substitutes or equivalent risk-pricing (ERP) mortagage insurance investment funds (investment devices tradeable on Wall Street) to pay for the enhanced risk of the subprime borrower without overloading the borrower with unaffordable monthly cash payments. Risk must be paid for or the risk price formula becomes corrupt. The question is, can it be paid for with non-cash equivalents? Will "Wall Street" step up and create such vehicles?
 
      Sponsored Sites:
 
      Congressional Paper: Visit: www.bankriskmitigation.com

BANKRUPTCY UNCERTAINTY & MISUSE: If Wall Street uses the bankruptcy courts to buy subprime lenders or its portfolios, creditors, lenders and some bondholder/investors may lose. Creditors include the consumer (borrower) and the economy. The venue of choice for corporate raiders is often the bankruptcy courts. Forced or fire type sales are not uncommon. Dispensing with a pesty “owner” is child’s play (BKUncertainty). So why would the “smart money” buy up failing subprime lenders at a time when the bottom is yet to be found, margins are thin, and “unaffordability” abounds. Many ponder this question. One need only look to bankruptcy (or common law bankruptcy tricks) for the answer. Creditors often lose in bankruptcy court. Bankruptcy courts bristle with inefficiency, while opportunity is plentiful for those in-the-know. Not only is it common for small business owners to be thrown out without salary, bonus or buy-outs, the court is often used to carve out liability for the raider. With consumer (Predatory Pending Liability) and business (BuyBackLitigation and Assignee Liability) lawsuits growing exponentially with the default and foreclosure rate, excluding liability for the handsome prince willing to buy discounted portfolios (without liability) will prove profitable. However, it will fly in the face of public policy.

BUSINESS | ASSET & LEGAL RISK PROTECTIONS: If you expect to be sued or to be liable on a debt or lawsuit, the general law precludes asset protection intended to hide or hinder creditors. However, there are a few specialized narrow procedures that are available. eMail: rydstromlaw@yahoo.com

LAW FIRM

WARNING: LIMITATIONS OF USE OF SITE: YOU MAY NOT RELY ON SITE INFORMATION, ARTICLES OR LINKS AS LEGAL, TAX OR FINANCIAL ADVICE. YOU MUST HIRE AN ATTORNEY TO ADVISE YOU AS TO YOUR UNIQUE FACTS AND CIRCUMSTANCES.

LEGAL NOTICE: This article is not legal, tax or financial advice, and you may not rely on it for same. This is a brief non exhaustive newsworthy article and may be deemed an advertisement from the State Bar. All Rights Reserved ©2007 Richard Rydstrom

IRS CIRCULAR 230 DISCLOSURE NOTICE: To ensure compliance with IRS requirements, we inform you that any U.S. federal tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purposes of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.