Archive for July, 2011

CDA Law Center: Compliance and CA SB 94

At CDA Law Center, we remain committed to meeting the highest standards of professional service. Under the direction of Senior Partner Robert G. Scurrah, who possesses more than three decades of legal experience, our skilled team of attorneys, case managers, analysts, and former underwriters has successfully negotiated more than 2,400 loan modifications over the last 3 years. As part of our dedication to providing honest and ethical assistance, CDA Law Center fully complies with all relevant laws at the state and federal levels.

In California, all “foreclosure consultants” are subject to CA SB 94, which regulates Department of Real Estate licensees who offer consumers any form of foreclosure prevention assistance. Passed in 2009, SB 94 aims to prevent fraudulent behavior by prohibiting mortgage brokers and real estate agents from collecting fees until the completion of a loan modification. Unlike the proposed AB 764, which prevented consumers from paying for any service related to loan modification and was never signed into law, SB 94 allows consumers to retain an attorney for the duration of the loan modification process.

As a loan modification law firm, CDA Law Center divides each case into separate contracts with specifically assigned fees; in accordance with FTC (Federal Trade Commission) regulations and SB 94, we do not collect advance fees. CDA Law Center provides a free initial consultation and financial analysis to determine whether consumers will realistically benefit from the loan modification process and potentially qualify for available programs. No attorney can guarantee the outcome of any negotiation, and we believe strongly in the importance of full disclosure and client education.

Based in Mission Viejo, CDA Law Center maintains good standing with the California State Bar and holds affiliation with the South Orange County Regional Chamber of Commerce as well as an “A” rating with the Better Business Bureau. For more information about the legal services offered by CDA Law Center, visit our website at


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CDA Law Center: Servicemembers Civil Relief Act of 2003 (SCRA)

At the CDA Law Center office in Mission Viejo, California, located near the former Marine Corps Air Station El Toro, we honor the sacrifices of active military personnel by providing a discount on services associated with the Servicemembers Civil Relief Act of 2003 (SCRA). Moreover, CDA Law Center takes on a certain number of pro-bono cases every year to support military families whose financial hardship stems from the loss of a loved one in Iraq or Afghanistan. 

Signed into law in December of 2003, the SCRA revises and updates the protections provided by the Soldiers’ and Sailors’ Civil Relief Act of 1940. Under the provisions of the law, active military personnel can seek relief from specific financial obligations originating prior to enlistment or activation for military duty; in certain situations, the dependents of servicemembers may seek the protections of SCRA as well. Currently, the Act most commonly takes the forms of mortgage relief, protection against lease termination or eviction, capped interest rates, stays of proceedings, and the reworking of default judgments. 

To qualify for protection under the SCRA, military personnel or their representatives must submit a written request to the lender and supply appropriate documentation, including military orders and evidence that their debt precedes active duty. Beyond the SCRA, most lenders will work with servicemembers to avoid foreclosure or offer other loss mitigation programs. 

Military personnel may contact their military assistance attorneys for additional guidance on the SCRA. To learn more about CDA Law Center and our services for active duty military, visit our website at

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