A legal process in which a judge determines that the debt of the individual is too great to pay back and completely wipes out his or her obligations for repayment (chapter 7), or where the judge will force all Lenders to negotiate a payment plan over a certain amount of time up to 5 years. (Chapter 13). It is very typical that a homeowner who files for bankruptcy chapter 7 is under the impression that he no longer owns the house. However, this is incorrect. The chapter 7 has removed the homeowner’s promissory note; the ownership over the property (the deed) and the mortgage is still in effect. In this scenario, the owner is still responsible for property taxes, water, and the maintenance of the property. Generally these are easy scenarios to deal with because the owner has already mentally abandoned this property.
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Brian Decker, a serial entrepreneur, embarked on his journey in the mortgage industry in 2004 with a Business Finance degree from Biola University. He quickly rose through the ranks, becoming one of the Top 10 Loan Officers in the nation by 2011. Brian's journey continued as he held the leading loan officer position at two publicly traded mortgage firms. In 2019, he took the entrepreneurial plunge with the launch of Modern Lending, his own mortgage bank.
Brian's commitment to a transparent and ethical lending process earned him recognition as one of the Top 10 Influential Mortgage Professionals in the United States. Beyond mortgages, he co-founded SOAR Energy, an AI-powered energy efficiency company, alongside notable figures like Tarek El Moussa and Shelby Elias.
In the cryptocurrency realm, Brian's expertise has attracted over 50,000 eager learners, guiding many to grow their wealth significantly. His personal cryptocurrency account surged from $500,000 to an astounding $7,000,000 in just 18 months under his guidance.
As an astute investor, Brian owns a diverse portfolio spanning apartments, AirBnBs, long-term rentals, and a venture with Ryan Pineda at the renowned Zapotal Discovery Beach Club.
Today, Brian's mission is to inspire and assist others in building generational wealth through his podcast, masterclasses, and speaking engagements. He's a true exemplar of the entrepreneurial spirit, continuously innovating and enriching lives.
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