Welcome to Settle your 2nd

General Services

"Settleyour2nd” Negotiates Mortgage Lien Settlements

Settle Your 2nd has 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 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 in most cases. 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 cristal@settleyour2nd.com

“Settleyour2nd” Negotiates Credit Card Settlements

Settle Your 2nd has years of experience negotiating credit card settlements. We work with the credit card companies and get YOU the best settlement possible. 

Attorney Representation

Settle Your 2nd is associated with attorney Steven Rein California State Bar #45810 See attorney services below for more information on how he may possibly help you in other area’s besides settling your mortgages.

Attorney Services

The Law Offices of Steven Rein

Help Stop Foreclosure Sale

Foreclosure can be a very stressful and depressing time for any family, but with the right foreclosure attorney you may find that things aren't as bad as they appear. Having an attorney on your side during the foreclosure process can help tremendously and can even stop the process completely. The foreclosure process starts upon an issuance of a "Notice of Default" or NOD. This happens after 90 days of non-payment toward a mortgage on a real property.

Foreclosure Prevention

With loose lending practices and shady real estate investments, the foreclosure market is at an all time high. If you need help, or simply want to gather information to prevent foreclosure, don't be embarrassed to ask for advice from an experienced attorney. There are probably more neighbors than you know or could even imagine that are in the same boat as you. Attorney Steven Rein has helped numerous people find relief during a rather unpleasant time. 

 Filing a law suit  under the Homeowners Bill of Rights is the only way these rights can be  enforced. The lender must respond to a suit. Which could result in a large settlement. For more information about the homeowner bill of rights click on the link below. Or Call us for your free consolation, even if you're out of state we may be able to help. 

Unlawful Detainer

If you are a tenant facing the fear of a possible eviction, there is hope. Steven Rein is experienced in handling all kinds of landlord tenant situations and generally finds the best solution for all parties involved. If you have received an eviction notice, then contact us immediately to discuss your options. We are always happy to help figure out the situation and keep you and your family off the streets.

Recover Property Lost At the Sale

If the bank has foreclosed on your property illegally attorney Steven Rein may be able to help you recover your property. If a law suit is filed it must be answered  by the lender. It is a way to force them to pay attention under the   HOMEOWNERS BILL OF RIGHTS. Mr. Rein is known to be aggressive at obtaining large settlements.  Contact us immediately so we can help.

The Law Offices of Steven Rein

1965 Yosemite Ave, Suite 118

Simi Valley, CA 93063 

Phone: 805-306-0300

Fax: 805-306-0180 

Email: attorneyrein@yahoo.com  

California State Bar #45810  

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.


Steven Rein

As a general practice California Lawyer for over 40 years, Steven have been involved in hundreds of different kinds of cases, and has gained broad and extensive knowledge and experience in many different areas of law as a licensed California Attorney.


Cristal Paz

Has 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 settlement with lenders. Cristal always looks out for her clients, and She makes sure to get the best deal at all times.   


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.

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Settle Your 2nd

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



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