Elemental Law - Hope Del Carlo - Foreclosure Defense, Mortgage Disputes, Property Rights of Homeowners Survivors, Debt Defense & Settlements, ConsumerFraud, ClaimsCoaching.

Power for People Who Bank, Borrow, and Buy Homes in Oregon

Call me at 503-926-6303 if you need legal help with problems like these:

Judicial & Non-Judicial Foreclosure Defense

Disputes with Mortgage Servicers and Banks

Problems with Credit Cards and Bank Accounts

Settling and Defending Against Collection of Old Debt

General ConsumerFraud

Small ClaimsCoaching

Other Disputes Between People and Businesses

Property Rights of Homeowners’ Survivors

Elemental Law LLC is Committed to Providing Top-Notch and Accessible Legal Services at Affordable Prices.

We accept credit and debit cards, and can sometimes work out payment over time.
Let us know if you need to make special arrangements to hire us.

Elemental Law - Hope Del Carlo - Foreclosure Defense, Mortgage Disputes, Property Rights of Homeowners Survivors, Debt Defense & Settlements, ConsumerFraud, ClaimsCoaching.

First Meeting

Some housing and consumer protection problems can be resolved during one hour-long meeting with me. My goal is to help you enough within the first hour that you won’t need to pay for more services. First Meeting: $95

If you want to hire me to do more after the First Meeting, you have two options:

Traditional Pricing:

Lawyers usually bill by the hour for their work. I aim to charge affordable hourly rates to make my services accessible to more people.

Elemental Pricing:

As an alternative to traditional hourly pricing, I can sometimes bid legal work on a flat fee basis. If you accept the bid, your fees for that work are capped at that amount. Additional work is priced as negotiated after that.

Legal Aid: If you have a civil legal problem and have little income, I encourage you to call your local legal aid office. You may be eligible for high-quality legal help at no charge. Find your local office at Oregon Law Help.

Hope Del Carlo, Attorney

In 1997, I moved to Portland for law school, I had my kids here, and I stayed. I care about the state of justice in Oregon and my clients’ lives, and I believe in what I do. Homeownership builds family wealth, it stabilizes neighborhoods, and gives people power.

I helped hundreds of people during the Great Recession as the project coordinator for a statewide foreclosure defense project. I’m ready to listen and help you fix your mortgage problems—give me a call.

Call ME 503-926-6303Use the contact form
Elemental Law - Hope Del Carlo - Foreclosure Defense, Mortgage Disputes, Property Rights of Homeowners Survivors, Debt Defense & Settlements, ConsumerFraud, ClaimsCoaching.

News & Updates

Governor Brown Extends HB 2009’s Foreclosure Moratorium through 2021

In 2021, Oregon passed HB 2009, a statute that created several important rights for most mortgage borrowers affected by the COVID-19 pandemic. Similarly to its predecessor law (HB 4204), HB 2009 allows borrowers to defer payments during the emergency period, initially defined as January 2021 through June 30, 2021. HB 2009 also creates a moratorium…