Results and Testimonials
Below are results that attorney Edgar I. Hall has obtained for clients along with client testimonials.
Bankruptcy / Collections Defense Case
Client filed a bankruptcy in the 1990’s when student loans could still be discharged. Collection company attempted to collect on the debt despite the discharge.
A single letter was drafted and sent to the collection company along with evidence of the bankruptcy. Collection company ceased collection activity.
Bankruptcy / Foreclosure Defense Case
Client became unemployed and got behind on mortgage and credit card payments. House was underwater and client wished to move on. A strategic chapter 7 bankruptcy was recommended to be filed a day before the foreclosure sale.
Client was able to discharge approximately $10,000 in credit card debt, avoid any financial liability relating to the home, and did not have to move for several additional months until the bankruptcy was discharged.
Debt Strategy Consultation Case
Clients suffered job loss and ran through their savings to survive. Clients were facing foreclosure and a potential deficiency judgment on their home. They were not sure if bankruptcy would be a good option, a loan modification was possible, or if foreclosure was a good or bad thing. Clients called for a free consultation.
No services were necessary. Clients were judgment proof because they had no assets or wages to garnish. Clients were advised to postpone filing bankruptcy until they obtained employment and could face potential garnishment. Filing too early would have resulted in liability for post-bankruptcy debt.
Eviction Defense Case
Client was living in an informal situation with no lease. The situation deteriorated and he needed time to get on his feet. The landlord brought an unlawful detainer action. The recommended strategy was to object to the complaint on the basis of a lack of rental agreement.
Judge dismissed the complaint with prejudice, stating landlord would need to bring an ejection action instead. Client was able to leave according to his time frame.
Foreclosure Fairness Mediation Case
Client experienced job loss for nearly a year. Fortunately, he was able to find a new job but not before getting behind on mortgage payments by approximately $25,000. Client had attempted to obtain a loan modification four times and was facing foreclosure. Upon reviewing his foreclosure documents and loan history, discrepancies were noticed. A letter objecting to these issues was sent to opposing counsel prior to the mediation.
Client was offered a competitive loan modification prior to the scheduled mediation hearing and agreed to the modification.
Foreclosure Fairness Mediation Case
Client was profoundly underwater in value on his home. He understood a loan modification would be a stretch in any circumstance. It was recommended that he enter the foreclosure fairness mediation process through the Washington State Department of Commerce.
The mediation was rescheduled by the bank’s attorney several times over a four month period. Ultimately, a loan modification was not possible. However client was able to stay in his home many months longer than otherwise would have been possible.
Review posted by client in December 2011 on Avvo.com
“I was referred to Edgar Hall towards the end of a very long, difficult and complicated mortgage issue. Edgar jumped in and not only helped focus the priorities but took the time to teach me and work with me and another attorney to set up a strategy and support to help me finalize a settlement. His help gave me the focus to move through seemingly impossible odds only to come out with the beginnings of a successful conclusion.
Review by client in February 2012 on Avvo.com
The issues are not quite done but Edgar will be on the sidelines with advise and direction so I can complete the settlement.
Edgar Hall has years of practical knowledge of the Banking and debtor sides of the issues, keen understanding of the changes in the laws and a unique ability to foresee practical solutions and scenarios so the client can make calm and informed choices.”
“The real-estate market is in a turbulent time as my husband and I discovered while trying to sell our home. Mr. Hall was our legal voice of reason. We consulted with him for home selling methods (through an agency, FSBO, lease to own, renting, etc.) and he offered superior advice, considerations, and rapid feedback. We were truly impressed with Mr. Hall’s fantastic interpersonal skills, extensive knowledge, and outstanding work ethic. He discussed our issues at length in-person and over the phone, conducted expert research and investigation, and his feedback was quick and professional.
Mr. Hall even went above and beyond offering additional financial and legal guidance on related home mortgage and banking matters. This well-rounded examination of our needs was greatly appreciated.”