January 7th
The speaker at today’s lunch was Gustavo Losa. Esq. with Granda & Associates. Mr. Losa has been practicing law for over 6 years, handling cases including but not limited to bankruptcies, loan modifications, short sales, and foreclosure defense.
Attorney Losa is married to Wendy Lopez Losa, no kids yet but one dog. He likes water sports, reading, history, travel politics, and he is a fan of the Real Madrid Football Club.
Granda & Associates helps people do a financial reset on their lives. They can arrange for you to simply give the home back to the lender and walk away with a clean slate. They also work helping clients with two types of bankruptcies Chapter 7 and Chapter 13. Chapter 7 works like a chain saw eliminating all debt, and Chapter 13 works a scalpel to protect you from creditors, providing for repayment of debts by a court-approved plan. It’s a more complex process that can last from 3 to 5 years.
Recently, a Loss Mitigation Mediation Program was designed for debtors and lenders to reach consensual resolution in foreclosures or loan modifications. It’s mandatory.

Thanks Gustavo, very interesting and useful information.
We had no winner for the jackpot! The jackpot was $94. Keep playing next week! This week’s newsletter winner could be Sherri. Contact Eli if you are the winner.
The After-the-Holiday Party at John Adam and Susan’s house was a big success. The food was excellent! The White Elephant Gift Swap was hilarious. The night was warm and inviting, and the hosts wonderful. Thanks John and Susan for hosting the party!