Plain answers, no pressure. · Once you hire us as your agent, we represent you — not your lender.

Gay-Lynn Chavez: (562) 858-7065Francisco Williams, CCIM: (213) 880-8107
Capital Distress Advisors
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About Capital Distress Advisors · Co-Principals & California DRE Licenses

We are California real estate agents. We help owners understand their options.

Getting a foreclosure notice is hard. Gay-Lynn Chavez and Francisco Williams, CCIM started Capital Distress Advisors to give owners a calm, honest place to turn. Free first call. Plain answers, no pressure. Once you hire us as your agent, we represent you — not your lender.

Request a free callCall Gay-Lynn: (562) 858-7065Call Francisco: (213) 880-8107

Co-Principals & California DRE Licenses

Who you will talk to when you reach out.

Gay-Lynn Chavez and Francisco Williams, CCIM are co-principals. That means they run Capital Distress Advisors together. Both help with homes and with commercial property across Southern California.

Gay-Lynn Chavez
Co-Principal · Residential & Commercial

Gay-Lynn Chavez

Gay-Lynn Chavez — DRE #01433767 · Broker: eXp Realty of California, Inc., DRE #01878277 · (562) 858-7065 · GayLynn@chavezgroupusa.com · Chavez & Associates

  • Role: Co-Principal · Residential & Commercial
  • License: DRE #01433767
  • Brokerage: Broker: eXp Realty of California, Inc., DRE #01878277 · Chavez & Associates
  • Direct Phone: (562) 858-7065
  • Email: GayLynn@chavezgroupusa.com

Helps home and commercial owners in Southern California facing a Notice of Default or Notice of Trustee's Sale. Reviews catching up the overdue amount (reinstatement), lender workouts, sales before the auction, and short sales.

Gay-Lynn Chavez is COO and a partner-owner of Chavez & Associates. She has served Southern California since 2004, in Los Angeles, Riverside, San Bernardino, Orange and San Diego counties. She is a U.C. Berkeley graduate.

Her work covers bank-owned homes (REOs), short sales, broker price opinions (BPOs), commercial leasing, property management, bulk and portfolio sales, and real estate syndicates.

Chavez & Associates handles commercial and residential sales and leasing. It represents sellers, landlords and tenants, and it helps clients buy portfolios. The team mentors and trains agents, and it works with agents from other companies to serve clients. It has offices in Northern California and in Los Angeles, Orange and San Diego counties.

Gay-Lynn volunteers with the Chilo Foundation, a non-profit that helps people in need and their children.

Member of: REOMAC, REO Network, NAHREP, CoStar, LoopNet, AIR, ResNet, Pyramid and Equator.

Call Gay-Lynn: (562) 858-7065
Francisco Williams, CCIM
Co-Principal · Residential & Commercial

Francisco Williams, CCIM

Francisco Williams, CCIM — DRE #01979442 · Broker: Exp Commercial of California, Inc., DRE #02134436 · (213) 880-8107 · Francisco.Williams@williamscap.ai

Helps home and commercial owners in Southern California review sales before the auction, short sales, refinancing or new capital, loan note sales, court receiverships, giving the property back to the lender instead of an auction (deed in lieu), and lender workouts.

Call Francisco: (213) 880-8107

We are real estate licensees, not a law firm, and we don't give legal or tax advice. If you need legal advice, we can refer you to an independent attorney.

Southern California Coverage · 7 Counties

Where we help home and commercial owners in Southern California.

California foreclosure rules come from state law (Civil Code §§2924–2924f). The Notice of Default is the first recorded notice. It starts the foreclosure clock. The Notice of Trustee's Sale sets your auction date. Both are recorded in the county where the property is. We serve these seven Southern California counties:

Los Angeles County

Notices of Default and Notices of Trustee's Sale are recorded with the Los Angeles County Registrar-Recorder/County Clerk in Norwalk.

Property types we review: Single-family homes, 2–4 unit residential properties, apartment buildings (5+ units), retail strips, industrial warehouses, and mixed-use buildings.

Orange County

Default and sale notices are recorded with the Orange County Clerk-Recorder in Santa Ana.

Property types we review: Residential homes, condos, coastal properties, commercial retail centers, medical offices, and light industrial buildings.

Riverside County

Notices are recorded with the Riverside County Assessor-County Clerk-Recorder.

Property types we review: Single-family homes, residential acreage, Inland Empire logistics and industrial properties, neighborhood retail, and land.

San Bernardino County

Notices are recorded with the San Bernardino County Assessor-Recorder-County Clerk.

Property types we review: Residential homes, small multifamily properties, industrial yards, distribution facilities, and commercial corridors.

San Diego County

Notices are recorded with the San Diego County Assessor/Recorder/County Clerk.

Property types we review: Single-family homes, townhomes, multifamily apartment communities, retail pads, and office/industrial properties.

Ventura County

Notices are recorded with the Ventura County Clerk-Recorder in Ventura.

Property types we review: Owner-occupied homes, agricultural-adjacent residential properties, neighborhood commercial, and industrial buildings.

Santa Barbara County

Notices are recorded with the Santa Barbara County Clerk-Recorder-Assessor.

Property types we review: Residential properties, small income properties, hospitality-adjacent commercial buildings, and mixed-use retail.

Our Standards

How we work with property owners.

When you are behind on your loan, you need clear numbers and honest limits.

  1. Step 1: No advance fees under Civil Code §2945.1(b) framing

    Our first review is free. We charge no upfront fees. Before you sign, we tell you in writing how we are paid. We also tell you what sale costs to expect.

  2. Step 2: Written estimates of your options

    Selling before the auction may leave you money after loans and costs are paid. We will show you a written estimate first. It shows the money left after the sale (a net sheet). The price is not guaranteed.

  3. Step 3: Real estate help is separate from legal and tax advice

    We estimate what your property is worth. We market your listing. We check that buyers can pay. We prepare the sale package for your lender. For legal or tax advice, we send you to a lawyer of your own or a CPA (tax accountant).

What Happens Next

What happens next when you reach out?

You talk with Gay-Lynn Chavez or Francisco Williams, CCIM. We check the dates on your notice. We explain your options in writing. You decide what to do next.

Talk With Us · Free First Call

Talk with Gay-Lynn Chavez or Francisco Williams, CCIM.

Plain answers, no pressure. Once you hire us as your agent, we represent you — not your lender.

We are real estate licensees, not a law firm, and we don't give legal or tax advice. If you need legal advice, we can refer you to an independent attorney.

Request a free callCall Gay-Lynn: (562) 858-7065Call Francisco: (213) 880-8107
Call Gay-LynnCall FranciscoFree Call