Cristal Paz (818) 806-6444

Welcome to Settle your 2nd

"We Provide Comfort and Relief to ALL of Our Clients"

General Services


We Negotiate Mortgage Lien and Heloc Settlements

We have years of experience in negotiating settlements on 2nd and 3rd Mortgages and Helocs. We gather and fill out all the paperwork that the lender or collection agency require for review of your settlement. We do all the negotiations for you, as wells as take all those nasty collection calls that are so annoying!! We collect all of the paperwork the banks/collection agencies request, fill them out for clients and send them to the banks/collection agencies.   We have spoken to many homeowners that have tried to negotiate with the lenders or collection agencies themselves, only to be denied or just plain ignored! That is where we come in! We have been dealing with the lenders and collection agencies for years and have personal contacts with some lenders/collection agencies. We know all the tricks it takes to get YOU the lowest settlement possible! Once your loan is settled, the 2nd, 3rd or Heloc LIEN IS REMOVED and YOU are FREE AGAIN!!! See our client testimonials and some 2nd’s settled below.For a FREE consultation call Cristal at (818) 806-6444 or


We Negotiate Credit Card Settlements

We have  years of experience negotiating credit card settlements. We work with the credit card companies and get YOU the best settlement possible. 


We Negotiate Modifications of 1st and 2nd Mortgages

We also help you get a modification on your 1st or 2nd mortgage. We can "STOP THE SALE OF YOUR HOME" and work with the bank to get you a modification. 

What we hear a lot from client's is, that they have tried to work with the banks and have been unsuccessful in getting a modification.

That is where we come in!!! We know the formulas that the banks want to see to qualify you for a modification!

About Us

Jerry Abes

With over 50 years of experience in mortgage banking services, Jerry has served as a successful mortgage representative, helping thousands of people with his legal and financial expertise. Jerry began his journey in 2009 and became an expert in the settlement of second trust deeds in 2010. He has successfully settled over 1000 second trust deeds.


Cristal Paz

With over 20 years of customer service experience, she has been working with Mr. Abes since 2010. She handles all new client sign up's, and negotiates settlements and modifications with lenders. Cristal always looks out for her clients, and she makes sure to get the best deal at all times.  She is available to clients 24/7, via email or phone. 

Real Testimonials clients available to call upon request

Scott & Sandy

Cristal guided us through the process and worked diligently to save our home. Within forty days of working with her  our lender agreed to a loan modification...with very favorable terms for us. Cristal got the job done and saved our home. There are no words to describe the gratitude we have for her. She is a genius at what she does.

Nichols Family

We hired Cristal Paz to settle our second mortgage with Citi. She did such a great job with keeping us updated along the way. She never gave up and fought for us the entire time. She was also working on our first mortgage, which she got modified for us as well. We highly recommend Cristal to anyone who wants to settle their mortgage.


After trying to settle my 2nd mortgage on my own, It was apparent that my efforts were getting nowhere because the lender was ignoring me. Cristal quickly turned my frustration into optimism. She handled all of the paper work and counseled me through the entire process. I could not have done this without Cristal's help.


Cristal and her team helped me tremendously in settling my second mortgage on a rental property I own. Not only was Cristal professional and responsive, she clearly explained process and was there to help me every step of the way! In just over a month, she negotiated a settlement for pennies on the dollar. 

Joe & Martina

I first want to say thank you again to Cristal  Paz! Everything that we did together always went so smooth. From day one, communication, questions answered, calls, emails, I couldn't have asked for anything more. She always got it right the first time! Everything was just so organized, the way it needs to be. Cristal is top notch!


Thank you for settling my second mortgage. The bank sure took a long time, and i can never speak to their speed or efficiency, but your ability to work with them and keep them focused despite the lengthy process is what got the job done. You always kept me informed and have been extremely responsive throughout this process.

Contact Us for a free consultation!!!

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Settle Your 2nd

5807 Topanga Canyon Blvd #J205, Woodland Hills, California 91367, United States

Facebook: Settle Your 2nd / Mortgage Relief

Phone Hours of Operation (PST)


9:00 am – 10:00 pm


9:00 am – 10:00 pm


9:00 am – 10:00 pm


9:00 am – 10:00 pm


9:00 am – 10:00 pm


9:00 am – 10:00 pm


9:00 am – 10:00 pm