Thank you for your question.
If your friend is going to have debt problems in the near future, you may want an attorney who is knowledgeable about consumer laws and maybe even bankruptcy. However, in retaining an attorney, the family will need to put money up that could go to the home. So the first step may involve the wife placing a call to the mortgage lender's loss mitigation department to explore whether she has any options or whether the lender can cut her some slack for a couple of months. Many lenders have programs set up to prevent foreclosure for borrowers that hit hard times and are unable to make their mortgage payments.
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The California State Bar should be able to provide some recommendations for skilled and competent counsel. They can be reached at 1-866-442-2529.
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