Financial Relief Legal Advocates, Inc.

John H. Bauer

(714)319-3446

Premiere Bankruptcy and Cannabis (Marijuana) Attorney for the Palm Springs, Inland Empire, and Orange County Areas!

We will provide you with insightful legal consultation to accomplish the following:

  • File Chapter 11 Bankruptcy (Reorganization) to Protect Your Business or Properties
  • Assist you to Procure Your Local and State Licenses to Start Your Legal Cannabis Business
  • Answer Your General Cannabis Questions
  • Provide Debt Negotiation Services in addition to Shortsale and Deed in Lieu of Foreclosure Consultation.”

We focus on the following areas of law and can provide you with the important answers you need to solve your legal issues:

Business & Asset Reorganizations—

I have had excellent success in confirming my clients’ Chapter 11 cases over the past 9 years. Chapter 11 is not a liquidation bankruptcy—this is a Court approved reorganization so that individuals and companies can keep their assets and maintain their businesses. *If you wish to keep your assets but your monthly mortgage, lease, and credit line payments are too high, contact me to discuss reducing your debt so that you can keep your assets, if you wish to do so.

Cannabis (Marijuana) Law:

You can now possess medical and recreational marijuana, subject to certain legal requirements, here in California!  Further, California law allows you to cultivate, manufacture, distribute, and retail marijuana and marijuana products with the issuance of a state license.  We can answer your general marijuana questions and also advise you how to procure your formal California license. We will also explain the impact of conflicting Federal Law.

Debt Negotiation, Deed In Lieu, and Shortsale Consultation

We also provide debt negotiation, deed in lieu, and shortsale consultations.  If you have an issue with a creditor about a specific debt or a controversy with a lender regarding a potential foreclosure, contact me immediately.  There are alternatives to foreclosure which we can discuss.

CHAPTER 11 REORGANIZATION

          In short, three of the incredible Chapter 11 Bankruptcy benefits is that (1) You can abandon bad leases, bad contracts, and bad real and personal properties to generate a more affordable budget and (2) You can “cram down” or reduce the mortgage or lien values and accompanying payments of your rental or business properties so that these properties remain affordable; (3) You can strip off liens secured on your principal residence where there is no equity to support them.  Here’s an example of how these features work–

(a) If the mortgage balance of one of your rental properties is $1.0 million, but the property is worth $500,000. today–we can obtain a Court Order that the new balance is just $500,000. to be repaid at a current market interest rate.  We have reduced the mortgage balances of many properties in the past–SAVING OUR CLIENTS MILLIONS OF DOLLARS IN LOANS!!

(b) Where a national printer had purchased two large printers at high lease rates, we were able to abandon the lease of one of these printers and get rid of its payment altogether.  We also dramatically decreased the valuation and monthly payment of the remaining press that was retained by the printer. This greatly reduced the monthly printing costs and the company avoided foreclosure, kept its employees, and STAYED IN BUSINESS..  

(c) We stripped a $400,000. 2nd loan from a client’s home in Orange County.  We procured a Court Order that this loan was now a “general unsecured loan” and could be PAID IN FULL for $333. per month for 60 months ($19,980.)

(d) Our clients owed $50,000. in back due payments on their beautiful principal home.  We procured a Court Order that this amount could be repaid in full over a 7 year period.  Otherwise, the clients would have lost their home in foreclosure.

THESE ARE JUST A FEW OF THE MANY ADVANTAGES OFFERED BY THE FILING OF CHAPTER 11 BANKRUPTCY.  WE HAVE SUCCESSFULLY CONFIRMED MULTIPLE CHAPTER 11 CASES DURING THE PAST 9 YEARS!  PLEASE NOTE THAT OUR OFFICE REPRESENTS DEBTORS ONLY, NOT BANKS AND LENDERS AND CREDITORS.  WE LOOK FORWARD TO SOLVING YOUR FINANCIAL PUZZLE AND GETTING YOU OR YOUR COMPANY BACK ON THE PATH OF SUCCESS AND PROSPERITY!!

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CALIFORNIA CANNABIS (MARIJUANA) LAW

          *If you have general questions regarding possession or use of marijuana here in California, we can answer them for you.

          *The use of medical marijuana, subject to specific requirements, became legal in California in 1996.  The use of recreational marijuana, subject to specific requirements, became legal in California effective January 1, 2018. If you wish to start a marijuana business here in California, we can assist you with the process of getting your local and California state licenses.  These licenses are jointly necessary to create and maintain any marijuana business in California.

          The California license procedure is now unified under legislation which is entitled “MAUCRSA” which regulates licensing for both medical and recreational marijuana.  You can now obtain California licenses for cultivation, distribution, manufacturing, retail, cannabis event organizers, microbusinesses, and testing laboratories.  Pick your specialty and we’ll go from there.

          *We know what it takes to get your desired license.  We will help you with (1) picking the best entity for your business (C-Corp., S-Corp, LLC, General Partnership, etc.), (2) procuring a lease or purchase for your business premises, (3) obtaining your local (city or county) license, (4) and then procuring your State License which will allow you to proceed with your business.  The first 3 steps are necessary before you can accomplish step no. 4, getting your license.  We can assist you with all of the 4 steps or assist you with any one of the 4 individual steps.

WE LOOK FORWARD TO WORKING WITH YOU!

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Debt Negotiation Services

If you have a creditor that’s calling you or threatening legal action against you, we can help! We can contact that creditor on your behalf and seek to work out a settlement that you can afford. When we discuss settlement with that creditor, we will immediately and accurately represent that we are bankruptcy attorneys working on your behalf.

"Short Sale Consultation" and "Deed in Lieu of Consultation"

I. Short sale consultation

In many instances, your mortgage balance exceeds your property’s present market value.

This is the type of situation where a ‘short sale‘ may be a viable option for you.

In this case, you can’t sell the property for its current market value, because of the high mortgage balance.

We are in the midst of the one of the greatest real estate slowdowns since the great depression! When you purchased the property, you couldn’t have known that something like this was going to happen to you…it’s just an inexplicable event and not your fault.

There is a formal process that you must follow with your mortgage lender in order to obtain approval to sell your property for less than than the current loan balance. We can assist you to follow through and be successful with this process.

When you need to sell your property, you have two options available to you:

(1) “short sale”; (2) “deed in lieu of foreclosure.”

Please contact us for a personal consultation to determine if and how you can qualify for either of these options.

We review the specific language provided in any lender agreement to make sure that you have no deficiency liability and that you can walk away free and clear from your property.

If you seek a “short sale,” you will list your property with a realtor and we will assist you with all documents with the lender to qualify you for the short sale.

We will then review all correspondence from the lender regarding the status of your short sale and review any final agreements that the lender provides to you–to protect your legal interests.

It’s important to know: you cannot trust your lender to protect your interests!!

A realtor does not have specific legal background and training in reviewing contracts. Your realtor’s background is in marketing and selling properties and understanding specific documents provided through the Multiple Listing Service, NOT reviewing and understanding 3rd party contracts provided by a lender…

II. Deed in lieu of foreclosure consultation

We will also explain the concept of “deed in lieu of foreclosure” to you.

This is different from a short sale because you do not have to have a successful sale of your property to obtain a deed in lieu. It will be important, however, that you satisfy certain conditions with the lender.

Again, we will review all documents provided from the lender through the process to help you to obtain a successful deed in lieu of and walk away from further loan obligations.

THE LENDER IS NOT CONCERNED WITH YOUR FINANCIAL WELL-BEING EITHER SHORT OR LONG TERM. IT MAY GIVE YOU RIDICULOUS DOCUMENTS TO SIGN THAT ALLOW THEM TO TAKE BACK THE PROPERTY AND KEEP YOU PERSONALLY ON THE HOOK FOR THE DEFICIENCY! THAT IS THE POINT OF HAVING LEGAL REPRESENTATION SO THAT YOU CAN WALK AWAY FREE AND CLEAR OR KNOW EXACTLY WHAT IT IS THAT YOU ARE SIGNING!!

Call us today at (714) 319-3446 and check us out on