What are the opening hours?

Monday 8:30am - 6:30pm Tuesday 8:30am - 6:30pm Wednesday 8am - 7:30pm Thursday 8:30am - 6:30pm Friday 8:30am - 6:30pm Saturday 9am - 2:30pm

Debt Solution Attorneys - DiMarco Warshaw, APLC, 1201 Puerta del Sol, San Clemente, CA (2026)

03/04/2019

Debt Negotiation and Settlement
Negotiation to settle debts can be an unpredictable process that is influenced by multiple factors – some personal to the individuals carrying the debt, and some specific to the creditor.
Here are 8 Key factors that influence the settlement amounts are:

1. The experience, skill, and sophistication of the person (or team) negotiating on your behalf.

2. The age of the debt -- generally, referring to the last transaction on the account. California has statute of limitation (the deadline for filing a lawsuit) laws affecting the ability of the creditor to sue for the money.

3. Details showing on your credit report (that the creditor can view), such as how much debt you have, the number and type of accounts you have kept current (including your mortgage and car loans), the amount of credit you may have available, etc.

4. Whether or not you you own or rent a home, and if you own, how much of your equity is protected by law from your creditors

5. The original creditor. Each creditor has different collection methods.

6. The collection agent that the creditor has chosen. It could make a difference whether or not that agent is an internal department, a law firm, or some other third-party collector. Collection agencies also use different investigation and collection methods, and have different, defined parameters for settling at certain percentages.

7. Whether or not you have wages that would be subject to garnishment.

8. Lastly, settlement greatly depends on your ability to pay the settlement. Settlements may require one lump-sum payment or sometimes can be paid over a number of months (a 3 – 6 month installment schedule is common).

Through broad experience dealing with countless debt scenarios, the legal team at the Law Offices of Darren J. DiMarco will provide straightforward information and advice, and negotiate skillfully for your greatest benefit.

Contact the Law Offices of Darren J. DiMarco for assistance. www.dimarcolegal.com
Orange County: 949-288-6526. San Diego County: 760-496-1990.
Email us at: [email protected]

02/27/2019

Bankruptcy Misconception #1: "I'm not filing BK on my car (or other specific debt)."
Many times clients will say to their attorney (or others) they’re not “filing bankruptcy” on a particular debt; they incorrectly believe that if they don’t list the debt they can keep the asset (like a car or house), or keep the credit line open (on a specific credit card). This is inaccurate because when you file bankruptcy, you must list all your debts – all of them; there’s no picking and choosing.
Just because a secured debt is listed, however, it does not mean that you automatically lose your property securing that debt. You must first look at how much equity you may have in the property. You are allowed to exempt a certain amount of equity in various types of property. Equity is the amount left over after subtracting liens securing the debt from the value of the collateral. (For example, if your car is worth $8,000 and you owe $5,000 on it, you have $3,000 in equity.) Furthermore, if you have no equity in the property, like when your car is worth less than what you owe on it, the trustee will not be interested in taking and selling the property – there will be no money available for creditors; and, as long as you keep making the monthly payments and keep the car insured, you’ll typically be able to keep your car.
Sometimes a client wants to keep a credit card out of the bankruptcy so that they will have some credit available in the future. Once a client learns that they must list all debts owed on the date of the bankruptcy filing, they sometimes suggest that they will try to pay the balance down to zero before filing. Besides rules and consequential issues relating to payments made to unsecured creditors shortly before filing, the client will probably not get what they were hoping for since almost all credit card companies will close the account anyway – even if nothing is owed to that creditor. So, money spent (shortly before filing) to pay a credit card off may be totally wasted when it was the client’s goal to have credit available right after their bankruptcy discharge.
Other clients may wish to not list a debt owed to a family member – usually because they aren’t planning on a discharge of that debt. But again, all debts must be listed in your bankruptcy petition and schedules. Remember, however, nothing prohibits you from voluntarily repaying a creditor after the bankruptcy has concluded.
Contact the Law Offices of Darren J. DiMarco for assistance. www.dimarcolegal.com
Orange County: 949-288-6526. San Diego County: 760-496-1990.
Email us at: [email protected]

02/18/2019

CAREFUL! Are You Being Led Down the Right Path?

Nobody intends to get into debt without the means to pay it off. More often than not, debt accumulates for reasons that are completely unexpected or beyond our control. Whatever the reason, though, the burden of carrying large debt creates an overwhelming feeling. And, life is too short to live under this type of financial stress so one must seek relief and eliminate the debt burden sooner than later.

Furthermore, persons buried by debts may feel desperate making them vulnerable to biased, unethical, and in some cases predatory practices of some service providers using hardcore marketing tactics.

Since there are a variety of solutions to address getting out of debt, it’s important to be cautious and not to jump into what seems easy without first stepping back and considering all of the benefits and consequences of each option. The possible resolutions include refinancing a mortgage, consolidating in a new loan, setting up an affordable repayment plan, transferring credit card balances to low interest accounts, negotiating discounted settlements on the debt, filing bankruptcy under Chapter 7, 11, or 13 or selling off an asset, such as real estate.

With all the reasons for accumulating unmanageable debt, and all the possible solutions to consider, it’s critical that you speak with a knowledgeable professional to get the right advice for your specific circumstances. Your short-term and long-term goals must be addressed when determining how to go about achieving the best results.

When seeking advice, however, many people become confused on what to do because they hear vastly different opinions from professionals of different fields of practice. Worse yet, people may take the wrong advice (and waste valuable money and time) due to the bias of the advisor with narrow or limited experience.

Think about it, even with reputable and legitimate service providers, if you first talk to a bankruptcy attorney, that person will tell you to file bankruptcy. But when you talk to a debt relief agency, that representative will tell you your problems will be solved by making monthly payments to their company. A loan broker, will try to get you a new loan, and a real estate agent will tell you the best thing is just to sell your home to repay the debt. Right? It’s like the old adage regarding back pain. A surgeon will want to solve the problem with surgery, a chiropractor with adjustments, a pharmacist with medication, etc.

Darren DiMarco, on the other hand, offers the full spectrum of professional services relating to resolving debt, and his 20+ years experience allows him to provide knowledgeable, unbiased, advice to customize solutions for his clients. In fact, unlike other professionals who might lead prospective clients in a direction that best suits the business practices, Darren DiMarco advises and then guides his clients in the direction that is best for each of their individual situations.

Darren DiMarco is a California Attorney with over 20 years experience handling bankruptcies, debt settlements, foreclosure prevention, loan modifications, and short-sale negotiating. He’s also a California Real Estate Broker and licensed Mortgage Loan Originator with over 20 years experience handling all types of sale transactions, refinances, and loan consolidations.

Contact the Law Offices of Darren J. DiMarco for assistance. Schedule a free consultation by phone or in person. Visit: www.dimarcolegal.com
Orange County: 949-288-6526. San Diego County: 760-496-1990.
Email us at: [email protected]

02/05/2019

With convenient locations throughout Orange County and San Diego County, Attorney Darren J. DiMarco is available to help you determine the best way for you to get out of debt. Call our office to to schedule a free consultation in person or by phone, and to speak to Darren DiMarco directly. Darren DiMarco has more than 20 years experience in helping people with debt related issues, including bankruptcy, discounted debt settlement, settling lawsuits, stopping foreclosures and foreclosure prevention, and mortgage loan modifications. (He's also a skilled California Real Estate Broker and Mortgage Loan Originator). With his extensive experience and expert negotiating skills, he will provide customized advice to help you resolve your debt and the stress that comes from it. (949) 288-6526. DiMarcoLegal.com

Address

1201 Puerta Del Sol
San Clemente, CA
92673

Opening Hours

Monday	8:30am - 6:30pm
Tuesday	8:30am - 6:30pm
Wednesday	8am - 7:30pm
Thursday	8:30am - 6:30pm
Friday	8:30am - 6:30pm
Saturday	9am - 2:30pm

Telephone

+18888905474

Website

https://dimarcowarshaw.com/

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