McKinleyville Foreclosure Defense Lawyers

Andy Warshaw
Claimed Lawyer ProfileSocial Media
(888) 890-5474
6520 Lonetree Blvd
#1011
Rocklin, CA 95765
Free Consultation
Free Consultation Foreclosure Defense and Bankruptcy
Chapman University Fowler School of Law
Foreclosure Defense and Bankruptcy
Benjamin R. Heston
Claimed Lawyer ProfileSocial Media
(951) 290-2827
3610 Central Avenue, Suite 400
Riverside, CA 92506
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy and Tax
Southwestern Law School
Foreclosure Defense, Bankruptcy and Tax
Benjamin Heston handles bankruptcy cases for individuals and small businesses. He has a strong background in public service and volunteering. Mr. Heston has served as Vice-President of the Riverside County Barristers Association, an organization primarily dedicated to assisting young attorneys in their transition to their new careers.
Richard Gaines Heston
Claimed Lawyer Profile
(951) 290-2827
4192 Brockton Avenue
Suite 100
Riverside, CA 92501
Free Consultation
Free Consultation Foreclosure Defense and Bankruptcy
Southwestern Law School
Foreclosure Defense and Bankruptcy
With 46 years of practice in both bankruptcy and family law, I have developed a deep understanding of these fields, recognizing that consumers desire quick, low-conflict, and cost-effective resolutions to their issues. As one of the few dual Certified Specialists in Bankruptcy (from 1995 to the present) and Family Law (from 1992 to 2017), I am often approached by attorneys and litigants needing guidance when their cases extend from one area into the other, requiring knowledge and experience in both domains. Additionally, I have frequently contributed as a speaker and guest lecturer. My commitment to public service is profound. I have...
Brian Light
Claimed Lawyer ProfileBlawg Search
(479) 250-0560
2894 N. McKee Circle, Suite 108
Fayetteville, CA 72703
Free Consultation
Free Consultation Foreclosure Defense and Bankruptcy
University of Arkansas School of Law
Foreclosure Defense and Bankruptcy
Brian Light joined wh Law | We Help in 2020. His practice is focused on Bankruptcy matters.

Brian grew up in Little Rock, where he graduated from Little Rock Central High. After earning his undergraduate degree at the University of Central Arkansas he attended the University of Arkansas School of Law in Fayetteville.

While in law school, he worked in the school’s Pro Bono Bankruptcy Clinic, where he discovered that helping the people of Arkansas through the bankruptcy process was the best way for him to use his law degree. Since graduating from law school in 2014 he has helped hundreds of...
Desiree T. Washington
Claimed Lawyer Profile
(877) 807-2008
21250 Hawthorne Blvd.
Suite 500
Torrance, CA 90503
Foreclosure Defense, Bankruptcy, Employment and Real Estate
University of Iowa College of Law
Foreclosure Defense, Bankruptcy, Employment and Real Estate
Desiree T. Washington, owner of Washington Law Firm, is a seasoned attorney with a focus on complex business litigation, business transactions, employment law, entertainment law, real estate transactions and real estate litigation. She earned her B.A. in Medieval and Early Modern History from the University of Chicago, followed by her J.D. from the University of Iowa College of Law, with a focus on jurisprudence and civil rights law. Desiree brings an extensive legal background to her practice. Before founding Washington Law Firm, Desiree served as a prosecutor for the State Bar of California and worked as a litigator representing high-profile clients,...
Kenneth H Flood
Claimed Lawyer ProfileQ&A
(213) 271-1385
656 Wilshire Blvd
suite 401
Los Angeles, CA 90017-2917
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy and Real Estate
University of the Pacific, McGeorge School of Law
Foreclosure Defense, Bankruptcy and Real Estate
I specialize in helping people, in California only, who are being victims of injustice by big banks and corporations or evil people.

I also have a RE broker license in California since 1971.

I do a lot of online cases

I charge half of what other attorneys charge

I only do cases ONLY in California. NOT LICENSED IN COLORADO.

I will help with personal injury cases, foreclosures, bankruptcy,

I am a graduate from McGeorge Law School of the University of The Pacific
Yelena Gurevich
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
(213) 534-7769
3940 Laurel Canyon Blvd.
Suite 800
Studio City, CA 91604
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy, Collections and Real Estate
Thomas Jefferson School of Law
Foreclosure Defense, Bankruptcy, Collections and Real Estate
I am the principal attorney at YG Legal Firm. I am a graduate of the University of Southern California with a Bachelors in Philosophy as well as a Minor in History and Communications and obtained my Juris Doctorate from Thomas Jefferson School of Law.

I have been a licensed California attorney since 2010 and am licensed to practice in the Central, Eastern, Northern and Southern California federal courts.

As an active member of CAALA and NACA, I partner with other attorneys that fight for the rights of every consumer to help achieve the best results possible for my clients.

I offer free...
Ali Reza Nader
Claimed Lawyer ProfileSocial Media
(818) 446-1334
21800 Oxnard Street
Suite 720
Woodland Hills, CA 91367
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy and Tax
University of West Los Angeles Law School
Foreclosure Defense, Bankruptcy and Tax
Ali R. Nader is a partner attorney at Cal West Law and dedicates his practice to helping individuals and families overcome financial difficulties. Ali initially studied to become an electrical engineer before pivoting to become a lawyer. He experienced and overcame tremendous financial challenges early in life and realized he wanted to spend his life helping others combat debt and its consequences. Ali is licensed to practice law by the State Bar of California and is admitted to the California Supreme Court. He is a member of the National Association of Consumer Bankruptcy Attorneys, California State Bar Association, and the...
Andre Amin Khansari
Claimed Lawyer ProfileSocial Media
(510) 255-6840
2081 Center St
Berkeley, CA 94704
Foreclosure Defense, Bankruptcy, Business and Real Estate
University of Southern California Law School
Foreclosure Defense, Bankruptcy, Business and Real Estate
Andre Khansari is an accomplished Southern California attorney. He represents individuals and businesses in Bankruptcy, Real Estate, Business, and Personal Injury matters. With nearly 20 years of experience, peers and clients alike have recognized Andre as an exceptional attorney.

Andre is committed to providing large firm advocacy with small firm prices. Call today to schedule a consultation to learn how he can help you.
Len Watkins
Claimed Lawyer ProfileSocial Media
(510) 237-6916
125 Park Place
Suite 210
Richmond, CA 94801
Free Consultation
Free Consultation Foreclosure Defense, Antitrust, Bankruptcy and Real Estate
University of San Francisco School of Law
Foreclosure Defense, Antitrust, Bankruptcy and Real Estate
A resident of Oakland, Len spent much of his legal career with prestigious, top-ranked, San Francisco law firms. Mr. Watkins brings the same level of expertise, and standard of excellence, to his practice in the East Bay. Focusing on consumer bankruptcy and business law, Mr. Watkins’ depth of experience and training include: A Masters of Business Administration, concentrating on finance, from the University of California, at Davis A stock brokerage license (inactive) from the National Association of Securities Dealers A California Real Estate Broker’s license Previous Experience Business Attorney Norris & Norris (now...
Theodore Allan Greene
Claimed Lawyer ProfileQ&A
(916) 442-6400
1912 F Street #110
Sacramento, CA 95811
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy, Personal Injury and Real Estate
Lincoln Law School
Foreclosure Defense, Bankruptcy, Personal Injury and Real Estate
The Law Offices of Ted A. Greene, Inc. was formed in 2002. We have helped many people n the years since. We currently have 3 attorneys working in the areas of Personal Injury, Bankruptcy, Foreclosure Defense, Real Estate Law and Civil Litigation. If we can't help you we will try to find you someone who might be able to by referring you to another firm. We pride ourselves on treating our clients like we would like to be treated so if you have any legal needs you should give us a call.
Reginald Regan Hindley
Claimed Lawyer ProfileSocial Media
(707) 575-3700
718 Orchard St
Santa Rosa, CA 95404
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy, Probate and Real Estate
Pepperdine Univ School of Law
Foreclosure Defense, Bankruptcy, Probate and Real Estate
Reginald Hindley is an attorney at law in Northern California with Hindley Law Office in Santa Rosa and San Francisco. He has been practicing law in the general Bay Area for over 35 years. Reginald was born in San Jose, California and is from a family of eight children raised in San Jose and Santa Rosa, California. Reginald received his bachelor degree from the University of California at Santa Barbara in 1986 where he studied history, business management, accounting, and economics. He graduated in 1990 from Pepperdine University Law School in Malibu, near Los Angeles, California where he...
LaToya Shontae Redd
Claimed Lawyer ProfileSocial MediaResponsive Law
(619) 259-5559
501 W. Broadway
Ste. A297
San Diego, CA 92101
Foreclosure Defense, Appeals, Business and Real Estate
University of California College of the Law, San Francisco
Foreclosure Defense, Appeals, Business and Real Estate
LaToya S. Redd, Esq. and her office can help you with the aggressive representation of your civil litigation or business matter. Over 21 years experience in civil litigation, real estate law and litigation and business law and litigation, where we fight hard, have been largely successful, and are very results driven. We take each case or matter with an approach that fits your end goals and we put you first as the client. We fight VERY hard for our clients and care about what happens to you. We can handle those cases where other attorneys may decline to...
Joshua Smisko
Claimed Lawyer ProfileSocial Media
26050 Acero, STE 305
Mission Viejo, CA 92691
Free Consultation
Free Consultation Foreclosure Defense, Business, Estate Planning and Real Estate
Whittier Law School
Foreclosure Defense, Business, Estate Planning and Real Estate
Joshua A. Smisko was born in Valencia, California. He attended the University of California, Irvine, graduating with a Bachelor of Arts. Mr. Smisko received his Juris Doctorate degree from Whittier Law School where he was a member of the Entertainment and Sports Law Society and a contributor to their quarterly newsletter and he also obtained a certificate in Intellectual Property. Mr. Smisko previously worked for a National Law Firm representing Banks, Mortgage Loan Lenders, Mortgage Loan Servicers and Foreclosure Trustees dealing with Wrongful Foreclosure claims, Fair Credit Reporting Act claims, Fair Debt Collection Practices Act claims, Evictions, and Bankruptcy...
Kevin Kunde
Claimed Lawyer ProfileSocial Media
(888) 363-7901
2090 North Tustin Avenue
Suite 240
Santa Ana, CA 92705
Foreclosure Defense and Bankruptcy
Chapman University Fowler School of Law
Foreclosure Defense and Bankruptcy
There are many people who tend to think that filing for bankruptcy is merely a form of submission and an excuse for deep veins of financial heartache. This, however, is completely untrue. Rather, filing for bankruptcy is a proactive form of debt relief. If you have the ability to work your way out of a pit of debt and monetary distress, then you don’t want to wait any longer to begin. With the help of 1st California Law, Inc., you will be able to entrust your situation to the careful understanding of an Orange County bankruptcy attorney. With years of...
Mr. Edwin Antigua Barnum
Claimed Lawyer Profile
(310) 213-9097
2161 W. 182nd Street
Suite 202
Torrance, CA 90504
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy, Divorce and Real Estate
University of West Los Angeles
Foreclosure Defense, Bankruptcy, Divorce and Real Estate
A compassionate attorney with real life-experiences (I had successful careers before becoming an attorney) that prepared me to relate with most of my clients. We are not your typical lawyer who has great lawyering skills but unable to relate to average clients. We try to simplify the process so you won't feel left out. We vigorously fight for your right but excellent in negotiating a WIN-WIN result that won't escalate the case or the cost of prosecuting your case. We strive to be part of the solution to your problem:not become part of your problem. Call us and experience the...
Douglas Andrew Crowder
Claimed Lawyer Profile
(213) 325-3040
350 S Figueroa St
Suite 190
Los Angeles, CA 90071
Foreclosure Defense, Bankruptcy, Business and Consumer
University of Iowa
Foreclosure Defense, Bankruptcy, Business and Consumer
Nicolette Glazer
Claimed Lawyer ProfileSocial Media
(310) 407-5353
1875 Century Park East, 7th Floor
Los Angeles, CA 90067
Foreclosure Defense, Consumer, Employment and Immigration
Pepperdine Univ School of Law
Foreclosure Defense, Consumer, Employment and Immigration
Eric B. Blum
Claimed Lawyer ProfileBlawg SearchSocial Media
(310) 440-4100
1800 Avenue of the Stars
12th Floor
Los Angeles, CA 90067
Foreclosure Defense, Landlord Tenant and Real Estate
University of Southern California Gould School of Law
Foreclosure Defense, Landlord Tenant and Real Estate
Armen A Yeghiayan
Claimed Lawyer ProfileSocial Media
(888) 529-3111
801 N. Brand Blvd. Ste 1130
Glendale, CA 91203
Free Consultation
Free Consultation Foreclosure Defense, Estate Planning, Probate and Real Estate
Loyola Law School, Los Angeles
Foreclosure Defense, Estate Planning, Probate and Real Estate
Armen A. Yeghiayan is an Associate Attorney at JT Legal Group. He has over 2 years of experience in general civil litigation with an emphasis in real estate disputes, personal injury, and business litigation. Armen graduated from U.C. Berkeley with a major in Political Economy in 2009, and graduated from Loyola Law School in 2013 with a concentration in Corporate Law as well as partaking in the Transactional Negotiation Team. Armen was admitted into the State Bar of California in 2014.
Ryan Dewey Griffin
Claimed Lawyer ProfileSocial Media
(408) 998-7211
181 Devine Street
San Jose, CA 95110
Foreclosure Defense, Bankruptcy, Business and Insurance Claims
California Western School of Law
Foreclosure Defense, Bankruptcy, Business and Insurance Claims
I maintain offices in San Jose and Sacramento where I run a general practice with a focus on bankruptcy. Call for a chapter 7, 13 or 11 bankruptcy consultation, or contact us with your issues related to small business, real estate, or personal injury.
Dennise Suzanne Henderson
Claimed Lawyer Profile
(916) 456-2027
1903 21st St
Sacramento, CA 95811
Foreclosure Defense, DUI & DWI, Juvenile and White Collar Crime
McGeorge School of Law Univ of the Pacific
Foreclosure Defense, DUI & DWI, Juvenile and White Collar Crime
Ms. Henderson has been representing clients in criminal and juvenile cases since 1997. Her clients have been found not guilty on all counts in over half of her trials. The focus is always to understand the personal needs of the client (obtaining employment in the future, licensing, how the case impacts the client personally, professionally, legally and emotionally.) Often times success is gauged in reducing time,protecting the client's record for the future (avoiding strikes, priors, prison) and looking at alternative sentences. The approach to criminal defendants in most counties in California is very impersonal and often times...
Peter Nicholas Hadiaris
Claimed Lawyer Profile
(415) 694-0052
3426 Idaho Drive
Santa Rosa, CA 95405
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy, Collections and Real Estate
University of Michigan Law School and Univ of Michigan Law Sch
Foreclosure Defense, Bankruptcy, Collections and Real Estate
I am a sole practitioner with more than 40 years experience practicing law. I do commercial and general litigation, and bankruptcy cases. I provide straightforward advice, effective representation, and cost efficient services. I deliver excellent results at a reasonable cost for my clients.
Hong Shen
Claimed Lawyer ProfileQ&A
(805) 491-4005
5707 Corsa Ave., #106
Westlake Village, CA 91362
Foreclosure Defense, Appeals, Bankruptcy and Civil Rights
Concord Law School
Foreclosure Defense, Appeals, Bankruptcy and Civil Rights
I am a patent prosecution attorney who has been working in the semiconductor industry for many years. I am also an inventor who has more than 10 patents issued/pending. In addition, I could be glad to help you in dealing with other legal matters.
Armine Singh
Claimed Lawyer ProfileSocial Media
(888) 529-3111
801 N. Brand Blvd. Ste 1130
Glendale, CA 91203
Free Consultation
Free Consultation Foreclosure Defense, Estate Planning, Probate and Real Estate
Foreclosure Defense, Estate Planning, Probate and Real Estate
Armine Singh is the Managing Attorney at JT Legal Group and an extremely experienced litigator in the areas of foreclosure defense, real estate and probate. She has a passion for helping people and families by fighting for the rights of her clients. Working with Armine you can achieve lasting resolution to their property problems.
Peter L. Lago
Claimed Lawyer Profile
(800) 707-3332
8060 Florence Ave., #305
Downey, CA 90240
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy, Estate Planning and Insurance Claims
Whittier Law School
Foreclosure Defense, Bankruptcy, Estate Planning and Insurance Claims
In practice since 1977. Practice currently limited to Living Trusts.
David McCarthy
Claimed Lawyer Profile
(858) 876-2141
325 W. Washington Street
Suite 2631
San Diego, CA 92103
Foreclosure Defense, Landlord Tenant and Real Estate
California Western School of Law
Foreclosure Defense, Landlord Tenant and Real Estate
The Law Office of David L. McCarthy only represents Tenants (renters) and can help you with almost any landlord/tenant situation or dispute. Writing demand letters, resolving disputes, defending evictions, motions, default judgments, writs and stopping lockouts are just a few of the services that I provide. I charge affordable, flat rate fees. Most issues can be resolved with a consultation and a demand letter or phone call to the landlord if necessary.
Deborah Schrier-Rape
Claimed Lawyer Profile
(214) 732-6441
945 Fourth Ave.
Suite 305
San Diego, CA 92101
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy, Collections and Real Estate
Stanford University
Foreclosure Defense, Bankruptcy, Collections and Real Estate
Highly experienced in commercial litigation and general corporate matters. Has been both partner in AM Law 50 law firm and General Counsel of corporation. Great courtroom, negotiation and client relation skills.
Anthony D. Thompson
Claimed Lawyer ProfileBlawg Search
(619) 615-0766
945 4th Ave
Suite 301
San Diego, CA 92101
Foreclosure Defense, Consumer, Elder and Real Estate
University of San Diego School of Law
Foreclosure Defense, Consumer, Elder and Real Estate
Leonard Jack Cravens
Claimed Lawyer Profile
(866) 223-0353
45902 Oasis St. STE C
P.O. Box 2714
Indio, CA 92202
Foreclosure Defense, Bankruptcy, Criminal Defense and Real Estate
Lincoln Law Sch of San Jose
Foreclosure Defense, Bankruptcy, Criminal Defense and Real Estate
Akintunde Samuel Akintimoye
Claimed Lawyer Profile
(909) 381-3838
699 W. Rialto Avenue
San Bernardino, CA 92410
Foreclosure Defense, Bankruptcy, Immigration and Insurance Claims
Southwestern Univ School of Law
Foreclosure Defense, Bankruptcy, Immigration and Insurance Claims
See www.uscis.us for detail attorney profile. Attorney Profile: Sam Akintimoye Since 1999 Sam Akintimoye has been practicing law in California. His primary areas of practice include: immigration, tax law, bankruptcy and citizenship. Mr. Akintimoye represents clients throughout all of San Bernardino County, Los Angeles County and Riverside County. Education * Southwestern University School of Law, Los Angeles, California (Juris Doctor Degree, 1998) * California State University, Los Angeles, California (Master of Business Administration – Finance, 1988) * San Diego...
Steven Brian Lever
Claimed Lawyer Profile
(562) 436-5456
200 Pine Avenue
Suite 620
Long Beach, CA 90802
Foreclosure Defense and Bankruptcy
McGeorge School of Law Univ of the Pacific
Foreclosure Defense and Bankruptcy
Steven Lever is a skilled Long Beach bankruptcy attorney at LeverLaw who brings over 27 years of experience to bear on his cases. He works tirelessly on behalf of his clients because he understands what a burden his clients carry.
Attorney Lever is a member of the National Association of Consumer Bankruptcy Attorneys, the Central District Consumer Bankruptcy Attorneys’ Association, the Orange County Bankruptcy Forum. He earned a bachelor’s degree from the University of California, Santa Barbara, before obtaining his Juris Doctor from McGeorge School of Law.
...
Shoham Joseph Solouki
Claimed Lawyer Profile
(213) 814-4940
316 W. 2nd Street
Suite 1200
Los Angeles, CA 90012
Free Consultation
Free Consultation Foreclosure Defense, Bankruptcy, Business and Elder
Southwestern Law School
Foreclosure Defense, Bankruptcy, Business and Elder
Dinesh Ravindra Badkar
Claimed Lawyer Profile
(213) 703-4228
2934 1/2 Beverly Glen Circle, Suite 594
Los Angeles, CA 90077
Foreclosure Defense, Business, Construction and Real Estate
University of Minnesota Law School
Foreclosure Defense, Business, Construction and Real Estate
John David Sarai
Claimed Lawyer Profile
(818) 732-4400
15910 Ventura Blvd., Suite 710
Encino, CA 91436
Foreclosure Defense, Bankruptcy, Consumer and Personal Injury
Shepard Broad Law Center, Nova Southeastern University
Foreclosure Defense, Bankruptcy, Consumer and Personal Injury
Attorney John D. Sarai has obtained countless dollars in settlements and judgments for his personal injury clients that were involved in accidents ranging from car, truck and motorcycle accidents, as well as slip and fall cases and dog bite cases. He has also discharged millions of dollars through successful business and consumer bankruptcies that have helped his clients eliminate their debts, save their homes and businesses, resulting in clear and bright financial futures. In addition, John has been an advocate for his clients that have been harassed by their creditors and collection agencies, and has obtained thousands upon thousands of...
Susan Diane Silveira
Claimed Lawyer Profile
(559) 500-2124
2037 W Bullard Ave # 311
Fresno, CA 93711
Foreclosure Defense, Bankruptcy and Consumer
Seattle University School of Law
Foreclosure Defense, Bankruptcy and Consumer
Gurbob Singh Somal
Claimed Lawyer ProfileSocial Media
(415) 754-0115
4000 Pimlico Dr
Ste # 114-234
Pleasanton, CA 94588
Foreclosure Defense, Bankruptcy and Tax
Lincoln University and Golden Gate University School of Law
Foreclosure Defense, Bankruptcy and Tax
Hayk Grigoryan
Claimed Lawyer ProfileSocial Media
(323) 350-0942
3435 Wilshire Blvd 27th Floor
Suite 2706
Los Angeles, CA 90010
Foreclosure Defense, Bankruptcy, Employment and Family
Washington School of Law and University of Washington School of Law
Foreclosure Defense, Bankruptcy, Employment and Family
Prior to founding Grigoryan Law Firm, attorney Hayk Grigoryan gained extensive experience at two reputable Los Angeles law firms, specializing in commercial litigation, foreclosure defense and real estate litigation.

Mr. Grigoryan earned his LL.M. Degree (Master’s Degree) in Tax Law from University of Washington School of Law.

Hayk is an active member of the California Bar Association and admitted to practice law before all Courts in California. He is also fluent in Armenian and Russian.
Our paralegals speak Spanish, Mandarin, and Farsi.
Mr. Armen Sefyan
Claimed Lawyer Profile
(818) 500-1882
100 N BRAND BLVD, #200
Glendale, CA 91203
Foreclosure Defense, Bankruptcy, Family and Personal Injury
Southwestern Univ School of Law
Foreclosure Defense, Bankruptcy, Family and Personal Injury
Sefyan Law Firm has acquired a reputation of prompt communications with our clients. We use aggressive and result oriented approach when it comes to negotiations. We stand behind our clients and fight for their rights. Our law firm offers an array of concentrations. We practice; Personal Injury & Accidents, Civil & Business Litigation, Probate, Wills & Trusts, Divorce & Support, and Bankruptcy.
Joshua Sternberg
Claimed Lawyer Profile
(213) 577-2230
1901 Ave of the Stars
Los Angeles, CA 90067
Foreclosure Defense, Bankruptcy, Estate Planning and Personal Injury
Foreclosure Defense, Bankruptcy, Estate Planning and Personal Injury
About Sternberg Law Group Sternberg Law Group is a California-based law firm committed to helping individuals and families through some of life’s most challenging legal situations. With core practice areas in bankruptcy, foreclosure prevention, estate planning, and probate, we offer strategic, personalized solutions designed to protect our clients' financial futures and family legacies. We understand that legal issues involving debt or the loss of a loved one can be overwhelming. That’s why we take a compassionate, client-first approach—ensuring every person we serve receives clear guidance, responsive communication, and strong legal advocacy tailored to their unique circumstances. Whether you're facing overwhelming debt, trying to...
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