What Is Robo-signing in South Florida Foreclosures?

Mortgage servicer Ocwen recently settled $11 million in relief to settle foreclosure misconduct claims, and over $2 million of that settlement went to homeowners in Florida. While the win was a big one for people that had unfairly lost their homes in the past, it is a reminder that mortgage servicers do not always act honestly and in good faith.

In 2013, Ocwen also settled another matter that involved robo-signing, a practice that is illegal in South Florida and throughout the country. Robo-signing is rampant in the mortgage industry, and borrowers rarely know that it is taking place. So, what is robo-signing and how can you use it as a defense if you are in fear of losing your home?

What Is Robo-signing?

Robo-signing was one of the worst loan servicing abuses that came to light during the housing crisis of 2008. At the time, the mortgage servicing industry was often condemned by both the courts and the media for falsifying affidavits in thousands of foreclosure cases. While the practice is an illegal and dishonest one, it did provide many homeowners with defense in their foreclosure case. Robo-signing does not happen as much as it once did, but that does not mean it does not happen at all. If you are in fear of foreclosure, it is important to know what robo-signing entails, and if it was a part of your case.

In judicial foreclosure states, such as Florida, the lender foreclosing on the home must show that the homeowner did not pay their mortgage for a certain period of time, and that the bank has standing. To have standing means the lender owns the mortgage.

To prove these elements of their case, the lender must submit certain documents and a written statement signed under oath, known as an affidavit, must be signed by someone that typically works at the bank or a representative of the lender. The person that signs the affidavit must carefully review all of the paperwork associated with the loan, and they should have some personal reason for believing the facts within those documents to be true. The purpose is to prevent a foreclosure from occurring if the lender did not have standing or if the homeowner was not actually behind on their mortgage payments.

In 2010, many employees who worked for the big banks testified that they engaged in robo-signing practices. These employees did not fully review the documents presented to them and they had no knowledge that either the bank owned the loan, or that the homeowner was behind to the degree the foreclosure papers indicated. These employees stated that they spent approximately 30 seconds on each affidavit and that they could not confirm the facts being presented within the documents. It is because the affidavits are signed so quickly and without real review that those who sign them are known as ‘robo-signers.’

What Impact Do False Affidavits Have on Foreclosures?

In order to lawfully foreclose on a property, lenders must ensure the foreclosure paperwork is accurate and that it has been reviewed properly. If an affidavit, or another document associated with the foreclosure, is not correct, the foreclosure should not be allowed. Any document signed by a robo-signer could be considered incorrect because they do not have the time to fully review it and ensure that the documents they are attesting to are accurate.

Now that the practice of using robo-signers is so common, judges in South Florida are starting to take a closer look at the affidavits being submitted during a foreclosure case. Although at one time, judges mainly relied on the affidavit and automatically assumed them to be true, now a judge will look through the paperwork themselves more often to determine that everything is in order.

How to Challenge a Foreclosure Based on Faulty Affidavits

The robo-signing scandal cast a shadow on the integrity of the paperwork involved in a foreclosure case and today, the courts are much more likely to examine bank foreclosure affidavits and other documents. Judges are typically more willing to listen to claims from the homeowner that certain documentation is false or incorrect. Fortunately, due to the fact that Florida is a judicial foreclosure state, it is quite easy to challenge a foreclosure based on faulty affidavits.

In judicial foreclosure states such as Florida, in order to foreclose on your home, the lender or servicer must file a lawsuit against you and argue their case in court. It is at this point that you can raise the defense that a robo-signer was used in your foreclosure case and that the documents are not correct. How do you know that a robo-signer was used in your case? This is one way in which working with a South Florida foreclosure defense lawyer is of great help. A lawyer will know what to look for, and how to fight back against these practices.

Suspicious documents also provide borrowers more room for negotiating during the foreclosure process. If you can cast doubt on the paperwork being presented, the lender may be more motivated to help you through a mortgage modification or other defense instead of taking the matter to court.

Another way to challenge a foreclosure based on faulty affidavits is during a Chapter 13 bankruptcy. When going through a Chapter 13 bankruptcy in Florida, all creditors must file a claim in order to ensure they will receive payments according to the borrower’s Chapter 13 repayment plan. This applies to mortgage lenders, as well. If the lender cannot provide the necessary documents to prove the debt and the fact that it was reviewed under sworn testimony, the borrower can oppose the lender’s claim.

Call Our Foreclosure Defense Lawyers in South Florida Today

If you are in fear of losing your home, you may have more defenses available to you than you think. At Loan Lawyers, our South Florida foreclosure defense attorneys know the many defenses available and will use them to help ensure you can stay in your home. Call us today at 954-807-

1361 or fill out our online form to schedule a free consultation with one of our experienced attorneys.

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How to Fight Collection Efforts for Debts that Do Not Exist in Broward County

People undergo so many financial transactions in their lives that it’s impossible to keep track of them all. Debt collectors do not only know this, but they count on it. They use it to try and collect on debts that someone never owed. These are known as phantom debts, and you are under no legal obligation to pay a debt that you never borrowed. Of course, no debt collector will ever tell you that, and they are actually hoping that you do not ask.

So, if a debt collector is contacting you and asking you to repay a debt you do not believe you ever borrowed, is there anything you can do about it? Fortunately, there is.

Your Rights Under the Fair Debt Collection Practices Act (FDCPA)

While some creditors and debt collection companies do not act fairly, you do have rights. Under the federal Fair Debt Collection Practices Act (FDCPA), you have the right to ask the debt collector to verify your debt. This process is known as the debt validation process; you must request the validation within 30 days from the date of the first collection attempt. Once you have requested that the collector or creditor verifies your debt, they must provide proof that it has either owned the debt since it was borrowed or that they have purchased it from an original creditor.

If a debt collector can provide the necessary proof, they have the legal right to continue trying to collect on the debt. If they have standing—that is, they have something to lose if you do not repay the debt—the collector can even take legal action against you, such as filing a lawsuit against you and securing a court order that allows them to garnish your wages. On the other hand, if the collector cannot provide proof that they own the debt and that you owe it, they no longer have the right to continue trying to collect on the debt.

You can also determine if the debt is valid by checking your credit report with TransUnion or Equifax. If you do actually owe the debt, the original creditor and account may appear on your credit report. You can then ask the debt collector for the name on the original account and compare it with the report. If the collector states the correct name, it is a good sign that the debt is valid and can be collected from you.

It is important to note that credit reports do not always display the original creditor and account. For example, if you did not pay a utility bill and it was sent to a debt collector, your credit report will not show the original account. Any debt that has had the statute of limitations run out on it will also not appear on your report. It is important in this case to know that while the debt is still valid, the debt collector cannot take legal action against you to recover the debt.

Although checking your credit report is a good way to determine whether a debt is valid, debt collectors will sometimes list a phantom debt on your credit report. If, after checking your credit report, you see a debt you do not think belongs to you, you can dispute the debt. To start the process, send a letter to the credit bureau telling them you dispute the debt and specifically state

the errors you believe were made. Also, contact the furnisher of the debt to tell them you are disputing the debt. From there, the credit bureau will give you specific instructions on how to dispute the debt according to their own procedures.

After you contact the debt collector and the credit bureau, you should also get in touch with the original creditor if you have determined which company that is. You should inform them that a debt collection company is trying to collect on a debt that you have no record of borrowing. The creditor may be able to tell you if the debt is valid and if it has been sold to a specific debt collection company.

How to Stop Phantom Debt Collection Efforts

Just like with other unfair debt collection practices, it is possible to stop debt collectors from contacting you and trying to collect on a phantom debt. It is important to work with a South Florida debt defense lawyer to do this because you will have to start by sending the debt collector a cease and desist letter. An attorney will know the most important elements to include within the letter, including the actions you will take against them if they do not comply.

Although a cease and desist letter can stop phantom debt collection efforts, the debt collection company does have the legal right to contact you one more time after they receive your letter. During this point of contact, the debt collector can inform you that it will stop trying to collect on the debt, that it may take legal action to collect on the debt, or the specific legal action that will be taken.

How to Report Phantom Debt Collectors

Again, under the FDCPA, it is against the law for debt collectors to try and collect on debts that do not exist. If you have been contacted by a debt collector in regards to a phantom debt, you should report them to the Consumer Financial Protection Bureau, the Better Business Bureau, or Florida’s Attorney General. A debt relief lawyer can advise on whether you can also file a lawsuit against the debt collection company for certain damages.

Call Our Debt Defense Lawyers in South Florida Today

If you have been contacted by a collector for a debt you believe does not exist, call our South Florida debt defense lawyers today. At Loan Lawyers, we know how to prove a debt is not yours and will advise you of your legal options. Call us today at 954-807-1361 or contact us online to schedule a free consultation.

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Have you received a letter from Goede, Adamczyk, DeBoest & Cross?

Many homeowners in South Florida are finding themselves in foreclosure for falling delinquent on homeowner’s association and condominium association dues.  Typically the association will have an attorney sending a letter to the homeowner that the association intends to foreclose.

If you have received a letter from any of the attorneys from Goede, Adamczyk, DeBoest & Cross, we would be very happy to speak with you.  Just like the association and their lawyers expect you to play by the rules, we expect them to do the same.

If you have received any letters from Goede, Adamczyk, DeBoest & Cross, it’s possible that they have violated the Fair Debt Collection Practices Act and we want to speak to you for your free case evaluation.

Call us at 1.888.FIGHT.13 to speak with an attorney about your free case evaluation.

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Why Am I Being Sued By a Debt Collection Company That I Have Never Heard Of?

All of us have fallen on hard times at one point in our lives and have struggled to keep up with our debts.  However, sometimes circumstances beyond our control get the better of us and there simply is not enough money at the end of the month to pay every debt.  Once someone has missed payments on a debt, the debt is often charged off and sold to debt buyers.  A debt buyer’s entire business model is buying debts for pennies on the dollar and then chasing people who are struggling financially to get them to pay.  It can be an incredibly profitable business model.  Oftentimes these debt buyers will sue to collect on the debts.  Sadly, few people hire competent lawyers to represent them.  Many people just ignore the lawsuit (bad idea) and others call the lawyers who filed the lawsuit begging for a payment plan (also a bad idea).

It is not uncommon for the lawsuit to be the first time that someone has heard of this debt buyer who is now suing them.  Although the law requires them to send you a notice that the debt has been transferred to them, we hear all of the time that clients never received that notice. Some debt buyers that we see commonly in Florida are:

• Crown Asset Management, LLC
• Velocity Investments, LLC
• Jefferson Capital Systems, LLC
• Cascade Capital, LLC
• JHPDE Finance I, LLC
• Cavalry SPV I, LLC
• Credit Corp. Solutions, Inc.
• Unifund CCR, LLC
• Portfolio Recovery Associates
• Midland Funding
• Second Round Sub

If you have been sued by any of these debt buyers, or any others, please call Loan lawyers for your free consultation.  We may be able to get you out of the debt without you having to pay anything to that debt buyer!  We have handled thousands of these cases over years and have eliminated over $100million in debt.  We may be able to eliminate the debt you are being sued on.  Call us at 1.888.FIGHT.13 for your free case evaluation with one of our attorneys.

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How to Avoid Foreclosure Rescue Scams in Broward County

As state and federal forbearance programs come to an end, it has sent many homeowners into a panic. Without the foreclosure protection residents in Broward County have been enjoying for the past 14 months, many residents are in fear of losing their home. While Florida is not likely to see the same collapse of the housing market we did back in 2008, it is simply a fact that foreclosures are going to start increasing. In fact, there was already an increase in foreclosure activity in April, and Pensacola had the third-highest rate of foreclosures of all cities with a population over 200,000. As a state, Florida had the fourth-highest number of foreclosures in the country.

The news is grim and some homeowners might try to find relief in a foreclosure rescue company. Unfortunately, these companies are usually trying to take advantage of homeowners rather than help them. The only real professional that can help you keep your home is a foreclosure defense lawyer in Broward County. If you are in fear of losing your home, outlined below are some of the most common foreclosure scams in Florida, and how to avoid them.

Mortgage Modification Scams

If you are finding it difficult to pay your mortgage, you may have a number of options still available to you. You can apply for a repayment plan, a forbearance agreement, or a loan modification. Typically, all you need to successfully use one of these options is a foreclosure defense lawyer who can negotiate on your behalf. Often, though, other companies known as loan modification companies will send you material in an attempt to get you to contact them.

The communications loan modification companies send typically look fairly official. They try to make their mailings look as though they came from a government official, or they guarantee they can stop your foreclosure. Truthfully, no one can tell you if they can stop the foreclosure without fully looking at the facts of your case.

These companies are simply trying to get you to call them so they can persuade you to pay them instead of your mortgage lender or servicer. Once they have your money, they then forget about your case and move on to the next person they can scam. Even if they continue working with the homeowner, they will charge exorbitant fees for a service you could have done with little or no assistance, such as contacting your servicer.

Forensic Loan Audits

The forensic loan audit scheme involves an auditor that will review your mortgage paperwork to determine if the lender violated the law. Although it is true that legal violations can help save your home from foreclosure, these types of audits do not usually turn up too many errors. These companies typically use a compliance software program that does not have the capacity to perform an in-depth review of your case necessary to spot violations.

The loan auditor may also tell you they will use the results of your audit to force the servicer into offering a modification, which just is not true. Of course, for this supposed service they will charge you high fees for which you will get very little value. To have any effect after finding a mistake, you would have to answer a foreclosure lawsuit or file your own lawsuit, for which you need an attorney.

Securitization Audits

Banks often use securitization methods, which involve bundling mortgage loans with similar characteristics and selling them to another company. A securitization audit then, will determine if your mortgage loan was one that was sold and if so, whether the process was done correctly.

A securitization audit can reveal certain information, but the problem with paying someone to do this for you is that the information is usually publicly available and you do not have to pay a fee for it. The auditor will not be able to give you any sound legal advice, and they may not even point out certain violations that could serve as a foreclosure defense.

The Florida Foreclosure Rescue Fraud Prevention Act

While foreclosure rescue schemes seem innocuous enough, they defraud homeowners who are already in financial trouble out of a tremendous amount of money. For this reason, several states have enacted legislation that prohibits people and companies from taking this type of predatory action, and Florida is no exception. In Florida, homeowners are protected by the Foreclosure Rescue Fraud Prevention Act.

Under this act, anyone that offers services claiming to help save residential properties from foreclosure must operate under tight restrictions. Sadly, of course, there are always bad actors and not everyone abides by the law.

How to Avoid a Foreclosure Rescue Scam

Once you understand the types of foreclosure rescue scams companies and individuals engage in, you can then take certain steps to avoid becoming a victim of one.

The most important steps to take are as follows:

• Do not pay upfront. Modification companies are much more interested in receiving your money than they are helping you, so they will typically charge a high upfront fee. Federal law prohibits this, and it is a red flag if any company asks for one.
• Always pay your servicer. Always make sure any payments you make towards your mortgage go to your servicer or lender. Never pay a modification company with the hope that they will fulfill their promise of transferring it to your servicer.
• Do not ignore your servicer. Modification companies may encourage you to stop all communication with your servicer, but doing so is a mistake. If you are facing foreclosure, you should actually be dealing with your servicer more, not less.

Call Our Foreclosure Defense Lawyers in Broward County First

It is true that you need help when faced with the idea of losing your home, but a modification company will not provide it. At Loan Lawyers, our Broward County foreclosure defense lawyers can provide the sound legal advice you need and help you avoid foreclosure altogether. Call us today at 954-807-1361 or fill out our online form to schedule a free consultation so we can advise on your case.

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Four Things to Beware of When Getting a New Credit Card in South Florida

It is no surprise that the pandemic has caused millions of people across the country financial hardship. A recent study conducted by WalletHub showed Americans paid approximately $82.9 billion in credit card debt just last year alone. While the news is good, as it shows that many people are paying down their credit card debt, that does not seem to be the case in South Florida.

The Stats

According to the Federal Reserve, credit card debt was $108 billion lower at the end of 2020 than it was in 2019. While that may have been the case across the country, it was not in South Florida. The stats for this area of the country are alarming. The average Miami household held approximately $13,701 in credit card debt and lowered their balances by just $16. In Fort Lauderdale, credit card debt in the average household increased by more than $600, and in Pembroke Pines, that number skyrocketed to $930.

This part of the state has some of the highest debt, and many borrowers went into the pandemic without a credit card at all. Now, at a time when many are unemployed and struggling just to keep their homes, they have additional debt on top of it all. Not all credit card debt comes from just borrowing the money initially. A lot of credit card debt comes from the high fees and interest rates credit card companies charge. If you are considering getting a credit card to help offset some of the pandemic’s financial burden, below are four things to watch out for.

1. Introductory Interest Rates

Credit card companies often offer an introductory interest rate to entice borrowers into choosing their cards over others’ offers. However, too many people do not look past the low rate long enough to realize it is only an introductory offer; that offer could last anywhere from three months to one year. Balance transfer cards that offer a zero percent annual percentage rate (APR) are notorious for this.

Introductory interest rates are good deals, but it is key to know that they do not last forever. Always read the fine print to find the rate that will take effect once the introductory rate period ends. It is sometimes difficult to find this rate, and credit card companies do that intentionally, hoping the initial rate is enough to get you to use their card.

2. Balance Transfer Fees

Speaking of cards that offer zero percent balance transfers, you should also watch out for any fees associated with the actual transfer. While the credit card company may not charge you interest, they may try to get around this by charging you a fee that offsets their cost. Often, these fees can be as much as three percent of the amount you are transferring, which may be a hefty amount if you are already trying to get out of debt by using the card.

If you do not use the card for any new purchases, and the rates will not adjust before you can pay off the balance of the card, this may not be an issue. You still, however, should pay attention to the fee being charged.

3. Rate Increases and Late Fees

You may think it is important to pay your monthly payment on time every month to help maintain your credit score with the major bureaus, such as TransUnion. However, it is just as important to make those timely payments every month so you do not incur any late fees. Credit cards do not only charge interest rates, but they may also charge you a late fee that is as much as $40 to $50 in addition to your balance and interest.

Additionally, if you are late making a payment, the credit card company may increase your interest rate. Sometimes, they raise it dramatically and may put it at 30 percent. This will impose an even bigger financial burden on you, and can make it more difficult to obtain loans and credit in the future if you cannot pay it.

Sometimes, an interest rate increase may happen that you have no control over. For example, activity in the lending markets may have an impact on interest rates and the credit card company may increase your interest rate without any warning. Still, it is important to contact your credit card company, inquire about the increase, and ask if there is any way you could get a lower rate.

4. Membership Fees

You may have no other option than to obtain a credit card that comes with a yearly membership fee. It is a fairly common practice, particularly with credit card companies that offer credit to people with little or no credit. Credit cards that offer perks, such as travel rewards, are also most likely to come with a membership fee to help the creditor cover their costs. Annual membership fees can be as much as $100 or more, and might come at a time when you do not expect it, putting you far over your credit limit. Always check to determine if a card you are considering has an annual fee, and whether or not you can afford it.

Our Debt Defense Lawyers in South Florida Can Help with Your Case

Debt from credit card balances, late fees, and high interest can quickly lead to a lawsuit, and debt collection companies will not care what part of your debt they are trying to collect before taking legal action. If a lawsuit has been filed against you, our South Florida debt defense attorneys at Loan Lawyers can help with your case.

Our skilled attorneys know the defenses that work in these lawsuits and will use them to protect you from wage garnishment and other consequences that can result from a lawsuit. Call us today at 954-807-1361 or fill out our online form to schedule a consultation with one of our experienced attorneys and to learn more about how we can help with your case.

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Business Bankruptcy Options

Just as most people will face ups and downs with their personal finances, the same is true for most businesses. In certain circumstances, businesses might benefit from filing for bankruptcy in the same way that an individual might. Filing for bankruptcy is often a valuable tool for reorganizing debt and keeping creditors at bay while the business works to regain its financial footing.

While both individuals and companies can file for bankruptcy, there are different steps involved and the stakes are often higher for businesses. You’ll want help from an attorney with specific experience guiding business owners through the bankruptcy process.

If you own a business and are considering filing for bankruptcy, the bankruptcy attorneys at Loan Lawyers can provide the guidance you’re looking for. We have more than a decade of experience helping people and businesses in Florida with bankruptcy filings, debt defense, foreclosure cases, and related issues. We’re proud to have helped thousands of people and businesses find their way back to a firmer financial footing. Their success stories are the reason we fight so hard for our clients.

Get a free case review today by calling our office in Fort Lauderdale or by filling out our contact form. We can discuss your particular circumstances and whether any of the following bankruptcy options are right for you.

Chapter 13: Adjustment of Debts for Individuals with Regular Income

Chapter 13 is typically used by individuals and not businesses, but there are businesses that may qualify for this type of bankruptcy filing. In particular, Chapter 13 bankruptcy is available for sole proprietorships because sole proprietorships are legally indistinguishable from their owners.

As is the case with personal bankruptcies, a business typically files for Chapter 13 bankruptcy instead of using some other method because the goal is a reorganization, not the liquidation of any remaining assets. Your business will file a repayment plan with your local bankruptcy court outlining how you will pay back your creditors. The amount you will be required to pay back under your repayment plan will depend on how much income you’re making, how much money you owe, and what other assets you have available.

An advantage of Chapter 13 bankruptcy is that you might be able to keep your business operational during the process. You have up to five years to pay off your debt, which can give you additional time to regain your financial footing.

Another advantage of Chapter 13 bankruptcy compared to other types of bankruptcy is that there are more asset exemptions available, allowing you to potentially hold on to more of your property. This can be quite attractive if you’re the sole proprietor of a business, as it makes it easier to do things like keep your house and your car when you file for bankruptcy.

However, if your sole proprietorship requires you to keep a lot of items, products, or equipment on hand, it can be difficult to pay for all those goods while still meeting the terms of your debt repayment plan. And missing just one payment can force you to start the whole process all over, along with having to potentially pay additional penalties and interest. For this reason, think carefully about filing for Chapter 13 bankruptcy if your business is eligible to do so.

Chapter 7: Liquidation Business Bankruptcy

It’s more common for businesses to file for bankruptcy under Chapter 7 than under Chapter 13, but it’s still fairly rare. This is because a Chapter 7 Bankruptcy, also known as liquidation bankruptcy, requires you to sell most of your assets to pay back your creditors. You will also likely be forced to close your business if you file for Chapter 7 bankruptcy.

A Chapter 7 bankruptcy filing for a business is fairly similar to a Chapter 7 filing for an individual or household. Once your business files for bankruptcy, the bankruptcy court will issue an automatic stay barring your creditors from taking any further action against you. You will then need to sell your non-exempt assets (“liquidate” is the official legal term), then use that money to pay back your creditors to the best of your ability. You can keep assets that are in the bankruptcy code’s list of exemptions.

After you’ve liquidated your non-exempt assets and repaid your creditors, the bankruptcy court will discharge your debts. However, as a Chapter 7 bankruptcy generally requires you to shutter your business in exchange for wiping out your debts, this will be the end of the road for your business. The exception is for sole proprietorships, as long as certain conditions are met.

While a Chapter 7 bankruptcy can be a viable option for some businesses, especially sole proprietorships, there are some potential risks if you choose to go this route. If you’re going to be forced to close your business down anyway by filing for Chapter 7 bankruptcy, you can probably do that on your own and avoid the court costs, attorney’s fees, and other expenses that come with the bankruptcy process. Business owners can also often get better prices for their assets than if those same assets were sold by the bankruptcy trustee. Finally, if your business is a partnership, filing for Chapter 7 bankruptcy may end up putting the personal assets of the various partners at risk of liquidation.

Chapter 11: Business Reorganization

By far the most common method businesses use to file for bankruptcy protection is Chapter 11. In fact, most businesses that are not sole proprietorships are required to use Chapter 11 instead of Chapter 7 or Chapter 13.

Like Chapter 13 bankruptcy cases, filing for bankruptcy under Chapter 11 allows businesses to reorganize their debts and come up with a payment plan instead of simply liquidating whatever assets they have left. This gives the business a chance to restructure and find a way back to profitability without having to fully shut down.

When a business files for Chapter 11 bankruptcy, the bankruptcy court will automatically block their creditors from taking any further legal action against the debtor as the business owners figure out the best way forward. The court will appoint a trustee to oversee the bankruptcy while the owners maintain day-to-day control over it.

The debtor must submit a highly-detailed three- to five-year repayment plan to the bankruptcy court and their creditors. As part of a repayment plan, a business can sell some of its assets, terminate existing leases and contracts, and take other steps to partially pay back their creditors. If the plan is approved and the business makes all of its payments, their remaining debts will be discharged.

One of the major hurdles when it comes to filing for Chapter 11 bankruptcy is the time and expense involved. The process can take years to complete. There are many steps and fees along the way. If your business does not have considerable assets, the costs of going through bankruptcy may outweigh the benefits of having some of your debts wiped out.

However, there’s a relatively new option available for smaller businesses that offers many of the same benefits as filing for Chapter 11 bankruptcy. In late 2019, Congress passed the Small Business Reorganization Act, which went into effect in February 2020. Among other things, this law added a new subchapter to Chapter 11 of the federal Bankruptcy Code. This new method of filing for bankruptcy is known as Chapter 11, Subchapter V.

This type of small business bankruptcy is often better suited for businesses with more limited assets. The small business bankruptcy process under subchapter V allows you to pursue reorganization without having a committee of creditors to be appointed or for your creditors to approve your repayment plan. There is also a streamlined process to complete the bankruptcy process. These simplifications cut down on the time and work required to get your reorganization plan approved. Lastly, Subchapter V shortens the whole bankruptcy process by imposing a 90-day deadline to get your repayment plan approved once you file. A shorter bankruptcy process overall means you will save a great deal in attorneys’ fees, court costs, and other expenses.

Contact a Bankruptcy Lawyer Today

There are many options available to businesses facing bankruptcy. Each option comes with its own set of requirements, advantages, and disadvantages. If you’re facing bankruptcy, you can’t afford to make a mistake when you’re trying to figure out how to save your business. Choosing the wrong bankruptcy option or making an error during the filing process could be quite costly.

Fortunately, you don’t have to navigate the bankruptcy process alone. The business bankruptcy attorneys at Loan Lawyers stay up-to-date on all the latest bankruptcy laws and regulations. We have the knowledge and experience to guide you through the process to make it as simple and painless as possible. Call us today or visit our contact page to get a free initial consultation.

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Is Migration to South Florida Creating a Bubble? Probably Not.

The year 2006 was almost 15 years ago but for homeowners in Florida, it sometimes seems like it was just yesterday. It was at that time the entire country experienced one of the biggest real estate housing bubbles in history. While a booming real estate market is often the sign of a good economy, it spelled trouble for those in South Florida. The Great Recession sent an alarming number of homeowners in Florida into foreclosure and that still has many residents on alert any time there is a significant increase in the housing economy.

South Florida has always been an attractive place to move to for other Americans, but the pandemic has only made the option more attractive for many. Now, places such as Miami, Fort Lauderdale, and West Palm Beach are becoming crowded and real estate agents are just trying to keep up. In these parts of the state, home sales have more than doubled, and the trend has some wondering if that really is indicative of a good economy or if it’s just the beginning of another disaster. Fortunately, it is likely the former.

Why Are So Many People Moving to South Florida?

Anyone who lives in South Florida knows of the many benefits this beautiful part of the country brings. The Sunshine State offers gorgeous weather all year long, the culture and lifestyle are attractive to many, and there is no state income tax. The pandemic has only accelerated the move for families, small business owners, and other companies.

The pandemic in particular, drove people to Florida. In the first quarter of 2021, there was a reduction in residential home sales of 6,095 from the first quarter of last year, according to the ISG Miami report. These stats show that people are flocking to South Florida in droves, and they are scooping up any available real estate when they do.

Before determining whether the current growth is creating an unmanageable bubble, it is important to consider the two demographics that have been moving to South Florida during the pandemic. The first group is made up of renters who fled their home states during the pandemic. These new residents came from states such as California, New York, and Illinois, at a time when harsh weather and increasing coronavirus case numbers no longer made those areas as desirable. The second demographic is made up of individuals seeking relief from both state and federal taxes.

The pandemic also taught many people that they could work from home, and that they want to keep doing so long after the pandemic is behind them. This realization resulted in many people pulling the trigger on that move to Florida they always wanted to do. Now, as the demand for single-family homes grows even larger, inventory is dwindling while vaccinations increase every day, and that has led to a new interest in both commercial real estate and condos. The question is, are we in another bubble?

Renewed Interest in South Florida Properties Probably Not a Bubble

A hot real estate market is always good, and business opportunities are also on the rise in South Florida. Still, for many, the fear is very real that it is a bubble and that we are on the verge of another collapse. Fortunately, that is probably not the case. When comparing the current market to that of 2006, there are a few key differences that support the sustainability of the current demand.

Prior to the housing market collapse of 2008, the real estate market in America, including throughout South Florida, was largely driven by foreign investors. That is not the case today, and people are no longer just looking to buy a vacation property in the state, either.

Today, people are looking to make Florida their permanent residence. When people move here from other states, they move their entire lives, enroll their children in our schools, set up businesses and yes, purchase homes. While the foreign investors of two decades ago drove the tourism market, today’s buyers are building businesses and helping to fuel the economy as a whole. The impact of new migration to Florida is significant, and beneficial, to those who already live here.

The fact that people are coming to Florida in droves in an effort to avoid state taxes is also a boon to residents of the Sunshine State. Tax law is unlikely to see significant changes in the next five years, which will encourage new residents to stay and deepen their roots. This also means the future is likely more sustainable than it was just prior to the Great Recession.

The current economic growth in South Florida is also encouraging, and that also is not likely to go away any time soon. Miami Mayor Francis Suarez has said that South Florida is set to become the next Silicon Valley, and that very well could be true. The current influx of new residents has led to a diverse creation of jobs from healthcare to tech and education. The demand for school has also gone up, which also increases the demand for jobs.

There is little doubt that the economy in South Florida continues to expand, and the attractiveness of the area will continue to drive people here for several years to come. Fortunately, this is not 2006 and it is not 2008, either. Unlike Florida’s past history, this growth is very positive and more importantly, it is sustainable.

Our Foreclosure Defense Lawyers in South Florida Can Help if You Fear Losing Your Home

It is true that the current environment in the Sunshine State is not likely going to collapse, but our South Florida foreclosure defense lawyers also know too many people still face the prospect of losing their homes. If you are facing foreclosure, our skilled attorneys at Loan Lawyers can advise on your case, the defenses available, and will give you the best chance of saving your home. Call us today at 954-807-1361 or contact us online to schedule a free consultation.

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How You Should Not Spend Your Stimulus Check in Florida

Floridians have slowly started receiving their stimulus checks, just like so many other Americans. These checks are coming at a time when many people are also receiving their tax refunds, which will definitely bring some relief to many families that have been struggling throughout the pandemic. The first thought people may have when they receive this influx of cash is what they should do with it.

However, while you probably have many thoughts of what you want to do with the newfound cash, you should also consider what you should not do with it. If you can avoid the biggest mistakes made with stimulus checks and tax refunds, you may be able to avoid financial struggle for you and your family down the road. Below are some of the top ways you should not spend your stimulus check, and some of them may surprise you.

1. Avoid Ongoing Expenses

It is not uncommon for people to buy big-ticket items when they suddenly have more cash. Families may purchase something such as a big-screen TV just for fun, or individuals may make necessary purchases, including refrigerators and washing machines. Regardless of the item, it is critical that you ask yourself if you really need it, or if you just want it and it seems like an opportune time to make the purchase. If you do not need it, reconsider your decision to buy it.

Even when you do need to make a big-ticket purchase, carefully consider how you do it. Many retailers will offer a payment plan so you do not have to make the payment in one lump sum, but you can spread it over several months, or sometimes even years. Retailers also know that it is at this time of year when people feel as though their pockets are lined a little more heavily and so, they are more likely to make a big purchase.

Retailers use this knowledge to attach big fees and high interest rates to payment plans, knowing that shoppers are going to be a little less prudent. They may even try to convince you to make additional big purchases. If you need a big-ticket essential item, try to pay for it outright, or at least put a deposit on it that is as much as you can afford right now. This will help you avoid ongoing expenses, and ensure your stimulus check is spent wisely.

Also look for other ongoing expenses that you may be able to avoid. As the pandemic pushed more people into their homes and onto their couches, the demand for streaming services has greatly increased. Before you think about using your stimulus check to purchase a streaming service, consider that as an expense you will pay for in the future, as well. Do this with every item you are considering purchasing and ask yourself if it will become a recurring expense. If it will, you may want to spend your stimulus check on something else.

2. Focus on Savings, Not Investments

Many people use investments as a way to save money, and it is not typically a bad idea since you can get your money to work for you. However, you may want to think twice about putting your stimulus check into the stock market or another type of investment, particularly if you do not yet have as much as you would like in savings.

Too many people learned just how important an emergency fund is during the pandemic, because they were left without one. At a time when unemployment was rampant, businesses were closing, and people started facing eviction or foreclosure, they wished they had an emergency fund to fall back on.

It is important to ensure this does not happen to you, particularly if you have been in that situation once already. If you do not yet have any savings, or do not have enough in savings, start putting your money away before you place it into an investment. While a good investment can help you financially over time, it is never a guarantee. A savings account that you control is, so create one before becoming an investor.

3. Consider Paying Down Debt

Notice that this does not say “Pay Down All of Your Debt,” because you really need to consider your debt and then consider which you are going to pay down, or if you are going to pay it down at all. That may sound crazy, since paying down your debt can help you avoid consequences such as lawsuits, wage garnishment, and more. However, now is a very unique time and paying down your debt may not actually be the wisest choice.

The pandemic has caused many people to suffer financial hardship, and there are many programs that have been created that may help if you are suffering from a large amount of debt. Creditors are also starting to offer more flexibility with repayment plans and are even forgiving significant portions of debt.

Before you spend your entire stimulus check on paying back debt, at least consider negotiating with your creditors. You may find they are more willing to work with you, and that you may not have to repay the entire amount. That can help you keep a portion of your stimulus check so you can use it for other essentials you need at this time.

Our Debt Defense Lawyers in Florida Can Help if You Are Being Sued

While some creditors and debt collectors are starting to become more flexible during this difficult time, many are still aggressively pursuing the debt they are owed. If a debt collector has taken legal action against you, or you fear they are about to, our debt defense lawyers in South Florida are here to help. At Loan Lawyers, we know the defenses available in these lawsuits and will use them to give you the best chance of a favorable outcome. Call us today at 954-807-1361 or fill out our online form to schedule a free consultation.

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Is a loan modification right for you after your forbearance plan has ended?

Our office has been inundated with calls from homeowners who are concerned and even panicking because their CARES Act forbearance is coming to an end, or has already come to an end, but they do not know the next steps.  The reality is that millions of homeowners across America are behind on their mortgages and in forbearance.  While we would like to believe that all loan servicers are there to help and really have homeowners’ best interest at heart, the reality is that they do not.  Their job is to be as profitable as possible to make as much money as they can for their shareholders and officers.  That means they are not generally going to overstaff their office to make sure they can handle the influx of people needing assistance.   They will hire the bare minimum to get by.  Further, there is only so much the federal government can do. They cannot force servicers to give everyone modifications or write off past due balances.  Homeowners need to know what can be done and who to turn to.

A loan modification is a great solution for many struggling homeowners.  The modification may bring a lower interest rate and longer terms, which may result in a reduction in the monthly payment amount.  However, modification can be tricky and it’s important to have the right law firm on your side who can guide you through the process.  Just because you are behind on payments does not mean that you will automatically qualify for a loan modification. For example, if you have no income or limited income that is not enough to support a loan modification, your modification will be denied.  A modification needs to be done right the first time.  So determining the right time to file a modification request is vital.  On the flip side, if you have too much income, that could also be a problem.

Modification is also not the only solution. Some loan servicers have agreed to defer the missed payments to the end of the loan, so all that needs to be done is resume making regular payments again and those missed payments will not be coming due until the loan is paid off.  There could also be a repayment plan where the missed payments are spread out over time to catch up.  There is also an option for a Chapter 13 bankruptcy that will give a homeowner five years to catch up on their missed payments.

At Loan Lawyers, we have substantial experience in all of these areas and have saved thousands of homes in Florida.  If you find yourself in the position where you are behind on mortgage payments for any reason, call us no wot chat about your situation with an attorney.  We can help you create a plan that suits your needs and puts you in the best position to try to save your home.  Call us now at 1-888-FIGHT-13 for your FREE consultation.

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How to Pay Off Your Medical Debt in South Florida

Medical debt is one of the main reasons why people file for bankruptcy or withdraw savings from their retirement accounts. People may develop an unexpected condition that requires extensive medical treatment. The cost of that treatment can make it difficult to pay for everyday expenses at the same time. Even routine health care comes with certain costs, and those expenses can quickly add up.

Medical debt is like any other type of debt. While it is necessary, it is also very difficult for many people to pay back. If the debt is not paid back promptly, a person may face lawsuits that could result in wage garnishment and other negative consequences. According to the Centers for Medicare and Medicaid Services (CMS), hospitals are now required to post their prices, which can help people avoid excessive medical debt. However, if you find that you already have a significant amount of medical debt in South Florida, below are some tips that can help you pay it off.

Check Your Bill for Mistakes

Too many people simply accept that the number on their medical bills is the price they must pay, but that is not always the case. Hospitals sometimes make mistakes, so it is important to ask for an itemized bill that covers all of the care you received. Check to ensure you were not double-billed, that the service you received was properly coded, and that your insurance information was entered properly. If you find you were charged for a service covered by your insurance, contact your insurer to find out why you did not receive coverage. You can likely submit an appeal or file a complaint with the Florida Office of Insurance Regulation.

Ask About Financial Aid

Under federal law, non-profit hospitals are required to offer financial assistance programs, as well as information about how to apply for aid. Hospitals, though, have the discretion to determine the eligibility criteria for these programs. If you qualify for financial aid through the hospital, you could receive a discount if you are below the federal poverty level, which could reduce your bill and make it easier to pay.

Negotiate with the Hospital Billing Department

Many people know that they can negotiate with a debt collector or even a creditor, yet they do not think to do it with their medical bills. Over half of patients that negotiated their medical bills were successful, according to a Consumer Reports survey conducted in 2018. There are several ways you can negotiate your medical bills. These include:

• Offer to pay a lump sum with a discounted amount: For example, tell the hospital billing department that you can pay the entire bill today if you receive a 25 percent discount.
• Compare costs with the listed price: Now that hospitals are required to post their prices, it makes it easier to determine if you have been overcharged for the treatment you received. If you have been charged too much, you can use it as leverage during negotiations.
• Be honest: Your negotiations will be more successful if you are honest about why you need help. For example, if you have recently lost your job, explain that to the billing department and they will be more likely to work with you.

If the amount of medical debt you have racked up is substantial, or the hospital has already threatened to take legal action, you should work with a debt defense lawyer in South Florida that can negotiate on your behalf.

Ask About an Interest-Free Repayment Plan

Hospitals are sometimes willing to allow patients to divide their debt into a manageable payment plan that is interest-free, and they do not even always require a credit check. It is important to note though, that if the hospital does agree to a payment plan, they may not offer the same type of discount they would have if you paid the amount in one lump sum. Hospital repayment plans also typically only last for one or two years, although some offer longer periods, which can break up the payments even more.

It is crucial to not agree to any type of repayment plan if you do not think you can afford the payments. Medical providers are just like other businesses and if you do not make payments on time, they may send the account to a debt collector. The debt collector may then take legal action which could result in wage garnishment and other negative consequences.

Pay with a 0% APR Credit Card

If you have good credit, you may qualify for a credit card with a zero percent annual percentage rate (APR). Most of these offers last for approximately 18 months. After that time, the interest rate on the credit card may jump to anywhere between 16 and 19 percent, so it is important to be aware of that fact, too. There are also credit cards designed specifically for medical bills. Still, like arranging a repayment plan with the hospital billing department, it is important to only use a credit card if you know you can make at least the minimum payments. Otherwise, you could again face legal action.

Take Out a Personal Loan

When you take out a personal loan, you can use it for virtually anything you want, including your medical expenses. The advantage of a personal loan is that you always know the interest rate you are paying, and the payment is a fixed amount, which may make it easier to budget. The biggest disadvantage of personal loans is that they are difficult for many to obtain and are typically reserved for borrowers with very good credit.

Facing Legal Action Over Medical Bills? Our Debt Defense Lawyers in South Florida Can Help

If you cannot pay your medical debt and a hospital or debt collector has taken action against you, our South Florida debt defense lawyers can help with your case. At Loan Lawyers, we know how to fight against debt collection lawsuits to give you the best chance of a successful outcome. Call us today at 954-807-1361 or contact us online to schedule a free consultation.

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How Much Does Filing for Bankruptcy Cost in Fort Lauderdale?

If you are thinking about filing for bankruptcy in Florida, you have fallen into financial hardship. However, filing for bankruptcy is not a free process, so you should be aware of the costs involved. Not only is there a filing fee, but you will also have to pay credit counseling fees, court fees, and probably attorneys’ fees. So, if you are filing for bankruptcy, how much will it cost you?

The answer is that it will depend on the type of bankruptcy for which you are filing, as well as the Fort Lauderdale bankruptcy lawyer you choose. Even though no one can tell you exactly how much it will cost you to file bankruptcy, below are some guidelines you can follow.

What Is Chapter 7 and Chapter 13 Bankruptcy?

Again, the type of bankruptcy you are filing will largely determine how much it will cost you, so it is important to know about the two main types of bankruptcy. Chapter 7 bankruptcy will discharge most of your debt, your assets will be seized and sold off to help pay off your creditors, and all debt collection efforts must stop.

A Chapter 13 bankruptcy does not completely discharge your debt; instead, a repayment plan is created. The repayment plan will likely extend between three and five years and your assets are not seized. This distinction makes Chapter 13 bankruptcy a good choice for those that have assets they want to protect, such as a home. You are still protected from legal action if you file a Chapter 13 bankruptcy.

Cost of Filing Bankruptcy

Both a Chapter 7 and a Chapter 13 bankruptcy have filing costs. As of 2021, it costs $245 to file Chapter 7 bankruptcy and $235 to file Chapter 13 bankruptcy. You will also have to pay an administrative fee of $78 and, if you are filing Chapter 7, you will also have to pay a $15 trustee fee. The trustee will meet with your creditors and liquidate your assets.

While the above filing fees are fairly standard and apply to most cases, you may incur additional fees as well. For example, if you have to file for Chapter 7 bankruptcy after starting the process for Chapter 13 bankruptcy, that comes with an additional cost. Or, if you have to reopen a bankruptcy case, that will also have a price. If you make a payment that is returned due to insufficient funds, you will also have to pay a fee.

Waivers and Installments

Generally speaking, you must pay the filing fee for bankruptcy at the time you file your petition with the court. However, you can ask for the fees to be waived. To do this successfully, you must be unable to pay the fees, even if they are divided in a repayment plan. You must also earn an income that places you less than 150 percent of the poverty line. If you can afford to pay the fees in a payment plan, you can also arrange that at the time you file your petition.

The Cost of Credit Counseling

Anyone who files for bankruptcy is required to take a credit counseling course that has been approved by the court. This is to ensure that you learn better money management skills so you do not end up filing for bankruptcy again. While these courses are very helpful, they also have a small fee attached to them. The cost of these courses is generally not more than $50 and again, you may be eligible for these costs to be waived or you may be able to pay a reduced rate.

Attorney Fees in Fort Lauderdale

Attorney fees can vary drastically, but it is always advised that you work with a Fort Lauderdale bankruptcy lawyer. A lawyer that has the necessary experience with bankruptcy cases will know the laws and federal procedure you can expect in your case. They will explain these laws and rules and how they apply to your case, and will give you the best chance of success.

If you file on your own, one little mistake could result in your case being dismissed, so you are still liable for your debts and debt collectors can still call you. It is just as important to know that when you file bankruptcy on your own, the judges and other court employees cannot provide you with legal advice. You should also always work with a bankruptcy lawyer who offers free consultations so you do not have to pay for a service you may not use if you choose a different lawyer.

Additional Costs

While the above are costs that most people have to pay when they file for bankruptcy, there are others that may come up in your case, too. The trustee or creditors in your case may challenge certain aspects of it, which can add to the overall cost.

Common challenges are as follows:

• Means test challenges
• Objections over exemptions
• Objections over discharge or whether a certain debt is eligible for a discharge
• Objections to Confirmation, and
• Motions to Dismiss.

If these challenges are raised during your case, you will have to prepare a solid defense against them, which will add to the cost. This is also another reason to make sure you are working with a Fort Lauderdale bankruptcy lawyer.

Do Not Let the Cost Scare You Off

While there is a cost to filing for bankruptcy, the cost alone should not deter you from doing something that is necessary for your financial future. Bankruptcy should only be used as a last resort, but it is one that can provide immense relief. When working with an attorney, your attorney can advise on the best ways to minimize the cost of bankruptcy and give you the best chance of success so you only have to go through the process once.

Let Our Bankruptcy Lawyers in Fort Lauderdale Help with Your Case

If you are considering bankruptcy, do not file your petition alone. At Loan Lawyers, our experienced Fort Lauderdale bankruptcy lawyers can guide you through the process, making it as quick and easy for you as possible. Call us today at 954-807-1361 or fill out our online form to schedule a free consultation.

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What Are Your Options in South Florida if You Can Afford to Start Paying Your Mortgage Again?

This year has come with challenges Floridians have never seen before, and that is saying something considering the Sunshine State was one of the hardest hit during the Great Recession. Many homeowners are facing foreclosure; for some, the process has already started. You may qualify for forbearance if your mortgage is government-backed. While the original 360-day program for these mortgages has expired, the program has seen recent expansions, and even more are currently being proposed.

The government has currently expanded the moratorium on foreclosures for government-backed mortgages until June. The Consumer Financial Protection Bureau has also proposed a new rule that would prohibit foreclosures from happening until January of 2022. Millions of people in South Florida have already benefited from forbearance and government programs. At the same time, the economy is also starting to reopen and people are once again going back to work and earning an income again, which means they are also better able to repay their mortgage. It is not always that simple, though. If you have not paid your mortgage for several months, how do you start repaying what you owe? Below are a few options available.

Reinstatement

Reinstatement is one of the most straightforward ways to repay your mortgage, but it is also often one of the most impractical. If you choose to reinstate your mortgage, you simply pay back all of the payments you have missed at one time. For homeowners who have only missed a few payments and have received stimulus checks that may cover that amount, reinstatement may be an option. It may be possible for others to reinstate their mortgage if they have help from family members or have other sources of income that may allow them to make those repayments.

Repayment Plans

Repayment plans sound a lot like reinstatement, but there is a difference. It is important for homeowners who took advantage of forbearance and the moratorium to remember that they are still responsible for making the mortgage payments they missed. The difference between reinstatement and a repayment plan is that with the plan, the missed payments are not due all at once.

Instead, homeowners will start to pay their regular mortgage payments every month. Along with that payment though, they will also make a portion of the missed payments. This is not necessarily an entire month of payments they have missed, but a portion of them. The repayment plan will remain in effect until all of the missed payments have been paid. This could be a great option for homeowners in South Florida that have started to return to work, but still cannot afford to reinstate their mortgage fully because they have gotten so behind on other expenses and loans during the past year.

Like most options to bring a mortgage back in good standing, a repayment plan will require a lender’s approval. The lender will also determine how much of each payment will be repaid every month, although if the homeowner works with a foreclosure defense lawyer and can provide evidence of a fair and affordable amount, there is a greater likelihood that the lender will approve the plan.

Payment Deferral

Payment deferral refers to postponing scheduled payments for a specific period of time. A deferral can allow for as many as 12 months of missed payments to be deferred, or postponed, to the end of the term of the mortgage. The missed payments do not incur any late fees or additional interest so it better helps homeowners get back on their feet when other options, such as repayment plans, are not feasible.

When homeowners are eligible for a mortgage payment deferral, they typically return to making their regular mortgage payments, and the maturity date, remaining term, and interest rate do not change. The payments that were deferred are then due once the home is resold. However, homeowners who refinance their mortgages or sell their homes are responsible for making deferred payments at that time. Contrary to what many people think, a mortgage deferral does not make a homeowner ineligible for future relief if it is needed. Deferral is merely meant as a way for homeowners to avoid foreclosure when they cannot make payments on their mortgage.

A Loan Modification

For many homeowners in South Florida, the best way to keep a home is through a loan modification. A loan modification allows homeowners to negotiate any of the terms of their loan and to secure terms that are more favorable for them. Through a loan modification, homeowners can change any term of their loan, including the interest rate, the length of the loan, and even the principal amount owed.

Unlike forbearance agreements or even deferred payments, loan modifications are more appropriate for homeowners who will deal with financial struggles for a longer period of time. A loan modification is also not a brand new mortgage, as a refinanced mortgage is. Unlike refinancing, loan modifications are sometimes possible even after a homeowner has fallen into foreclosure on their home. If a homeowner is approved for a loan modification, the terms of the mortgage are permanently changed.

Many people wonder why a lender would approve a loan modification, and the reason is simple. Lenders do not want to foreclose on homes. Doing so is incredibly expensive and time-consuming for them and they would much rather work with homeowners. Still, homeowners must qualify for a loan modification. Homeowners must prove they are experiencing financial hardship, have continued income, have no equity in the home or demonstrate a decline of the home’s value, and have a history of late payments.

Our Foreclosure Defense Lawyers in South Florida Can Help with Your Case

As a homeowner, you have many options if you are struggling to pay your mortgage, but you should not go through it alone. At Loan Lawyers, our South Florida foreclosure defense attorneys can negotiate with the lender on your behalf and give you the best chance of a successful outcome. Call us today at 954-807-1361 or contact us online to schedule a free consultation with a Florida foreclosure defense lawyer.

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