My current private practice naturally grew from my work in providing pro bono housing and loan modification assistance under the Obama Administration's (and the Treasury Department's) Making Home Affordable program, which was first instituted in March of 2009.
My focus is on helping folks keep and afford their home. I achieve these client goals mainly by using the tools made available under Federal programs and statutes - a loan modification under HAMP or a Chapter 13 bankruptcy filing to strip a lien or attack defective mortgages.
The first step is helping folks get a loan modification. If we get denied a loan mod because of too much non-housing debt, then I suggest a Chapter 7 bankruptcy filing before trying again on the loan modification. If we get denied on other grounds, then I suggest a Chapter 13 bankruptcy filing to provide for a payment plan for mortgage arrears and a reduction of non-housing debt payments in order to afford the mortgage.
Additionally, if there are problems with the mortgage paperwork due to the lender's error, or if there are wholly unsecured junior mortgages, I suggest that the client skip the loan mod process and enter straight into a Chapter 13 filing in order to take advantage of the situation and use the Bankruptcy Code to legally reduce the mortgage loan.
A typical case would be a family coming to me to help them get a HAMP loan modification. They pay my legal fees instead of going to free housing counselors on the Housing and Urban Development's website because they have been to a HUD counselor and did not get the service and diligent care that such an important transaction really deserves. I would review their file and walk them through the options, including a bankruptcy filing, either as a first option instead of HAMP if they have a defective mortgage or if they have multiple mortgages that are wholly unsecured, or as a second option if the HAMP loan modification proved to be unsuccessful. Then we execute the plan as agreed to by the client.
8200 Greensboro Drive
McLean VA 22102
Yes, especially for readers of Nolo publications. I do take a credit card number to secure your free, up to one hour, initial consultation. If you do not show up, you are making some other homeowner wait an extra hour to discuss solutions to their stressful financial problems. Therefore if you don't show up you will be charged $200.
For my core work - loan modification and bankruptcy - I provide fixed, flat fee service.
For a Chapter 13 filing I charge $3,000 plus court fees.
For a Chapter 7 filing I charge $2,000 plus court fees.
Because loan modification work can mean many things, we need to sit down and discuss your needs before I can set a flat fee. But the flat fee ranges between $750 and $1,500 plus a success fee.
For a limited scope Chapter 13 engagement I charge $1,500.
You can find cheaper attorneys in the D.C. area, but I think these are fair fees. I do understand client constraints and if you need cheaper attorneys I can provide you a list of them.
More information about my fees can be found at www.quanlegal.com/fees.php.
$300 per hour, but almost everything I do is through a flat fee.
Monday through Friday
10:00 a.m. to 5:00 p.m.
I chose to focus on bankruptcy - particularly using the Bankruptcy Code to help clients keep and afford their home, which means Chapter 13 bankruptcy - because I saw all of the struggles out there by homeowners trying to hold on under their gigantic debt load.
I first started looking into this area of the law when the condo my wife and I rented was going into foreclosure. I quickly got up to speed on the law to see what our rights as renters were, and attended a number of foreclosure sales to learn more about the process.
With these skills, and after the Obama Administration started up the HAMP loan modification program in March of 2009, I began pro bono loan modification assistance through a partnership with a non-profit organization that serves the immigrant and Vietnamese-American communities in northern Virginia.
These efforts led me to providing Bankruptcy Protection services because for folks who could not get a loan modification, or could not get an affordable modification, bankruptcy is an important and powerful tool that can reduce debt in order for the clients to afford and pay for their home.
I agree with the advertising slogan of the East Coast clothing store chain, Sym's: 'an educated consumer is our best customer.' Generally, the more you know about legal issues with respect to bankruptcy, the more prepared you are to work with me (in getting documents and the like to me), and the quicker we can achieve your goals of wiping away significant debt in order to have funds to pay the mortgage.
Yes, of course.
I offer limited scope engagements (i.e. my legal advice is limited to a small set of items and my fee is likewise limited) only for Pro Se Chapter 13 clients who need a little bit of help to get over the final hurdles in their filing. I do not offer limited scope engagements for a Chapter 7 because if you cannot do it by yourself after reading through the Nolo book on the subject, you do not need limited help, you need all of my help.
Prior to focusing my practice on loan modification and consumer bankruptcy, my legal career was geared towards business / corporate / finance law and my practice spanned stints at really large international firms, boutique firms with a national presence, local private practice in the D.C. area, and in-house positions with companies in Vietnam.
I am the fifth of seven children, so I grew up learning to listen well - that is one cornerstone to being a good lawyer. More than that though, I have lived a broad and diverse life - from taking ESL classes in public schools to attending an Ivy League college, from living in subsidized tenements to a house in the suburbs with a lawn that needs mowing every weekend, from watching my parents struggle financially to raise all those kids to seeing them comfortably retired. Such experience allows me a perspective from which I can relate to and understand my clients needs, motivations and dreams. Past clients have told me that they really appreciate my "bedside" manner and I believe my background and experience has a lot to do with that.
I am firm but flexible. What I mean is that I understand my client's complex financial difficulties and am creative in trying to solve their problems, but I am also strict in being precise and accurate with the financial disclosures we make with the court. When it comes to financial numbers on court filings, "close" means it is incorrect.
This can be very demanding of clients, but by being so careful I can be confident in taking the fight to a creditor or a trustee who objects to our filing. I will do the filing right and I will vigorously defend my clients against attacks on their filed disclosures.
These days, my personal interests revolve around my young family. I enjoy spending time with family and raising my kids. I am in private solo practice in part because it allows me to pick and choose good clients who value the importance of family.
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