Residential closings: An overview

The residential closing process is perhaps one of the most confusing parts of the entire home purchasing process. This is a process that you may want to consider having an attorney present to represent your interests.

Depending on the state you live in, a residential loan closing may take place at an escrow agent's office or the office of an attorney. It is critical that you understand that the escrow agent or the attorney is there representing the interests of a lender and not your interests. You are strongly urged to hire an attorney to ensure that you are protected during the residential closing process and that the documents are properly prepared and clearly explain the terms of your residential loan.


How to get a felony expunged in California
An expungement is done to allow you to fill out a job application and say honestly that you have no convictions. In California, the process to get a felony expunged is a civil matter. Some felonies are not eligible to be expunged from the record. Most of these are sexual crimes and cannot be expunged from a criminal record. The specific ones are:

How to get your record expunged in California

There has always been some confusion as to what an expungement is. Simply stated, this removes the cloud of criminal action from your record. In California, having you record expunged means that you do not have to disclose the crime you were convicted for.

Some mistakenly believe that if you wait long enough, your criminal record is cleared. This simply is not the case. A petition however can be filed with the court that requests a criminal case is reopened and ultimately dismissed.


The ABCs of bankruptcy
In these difficult economic times, you may find yourself with too much debt and perhaps you are having difficulty meeting everyday expenses. If you are one of the millions of people who are struggling with overwhelming debt, you may be considering filing for bankruptcy. It is helpful if you first understand the bankruptcy laws.