Desiree Sanchez’s Answers

Desiree Sanchez

Orlando Chapter 7 Bankruptcy Attorney.

Contributor Level 6
  1. Is it possible to get the home mortgage principle reduced?

    Answered over 1 year ago.

    1. Jeffrey B. Lampert
    2. Dorota J. Trzeciecka
    3. Margery Ellen Golant
    4. Jacqueline Alicia Salcines
    5. Desiree Sanchez
    6. ···
    7 lawyer answers

    If your loan qualified for a principal reduction, you likely would have received one this time around. However, in the hundreds of modifications that we have completed, there are times that a client will reject a loan modificaiton and then later receive a principal reduction. With this said, it depends on your type of loan as most loans do not qualify. Then, it depends on the investor who owns your loan. A qualified and experienced attorney can advise you as to whether you at least meet the...

    4 lawyers agreed with this answer

  2. Am I required to provide spouse's work info for my judgment?

    Answered 7 months ago.

    1. Tara Marie Warrington
    2. Desiree Sanchez
    3. Michael J Corbin
    3 lawyer answers

    For now, you can advise that it is irrelevant since the debt is only yours. However, they can try to subpoena that information and you can attempt to defend yourself against providing it. You may wan to consult with a debt settlement attorney/bankruptcy attorney to see what rights you have as you may find that you have options to protect you and your family from having to pay this entire judgment.

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

  3. My father died leaving a homestead property. Does the bank have to file a creditors claim to take back the house in foreclosure?

    Answered 7 months ago.

    1. Carol Anne Johnson
    2. Charlotte Angie Erdmann
    3. David Michael Goldman
    4. Desiree Sanchez
    5. Shelley Ann Elder
    5 lawyer answers

    Once you and your siblings have been identified as the beneficiaries of the property, you may sell the property. The Statute of Limitations is very tricky when it comes to real estate. In the last few months, there was a recent court ruling whereby the statute of limitations only applies once the mortgage has reached its expiration date, which is generally 30 years. At that point, the SOL begins. It is best to speak with an experienced foreclosure defense attorney to ascertain your rights as...

    1 lawyer agreed with this answer

  4. Help im in foreclosure and need an attorney. Incorrect loan number on assignment of note and mortgage .

    Answered over 1 year ago.

    1. Jacqueline Alicia Salcines
    2. Richard Paul Zaretsky
    3. Robert Jason De Groot
    4. Desiree Sanchez
    4 lawyer answers

    Many homeowners make the mistake of not hiring an attorney while they are in foreclosure. Many beleive they can represent themselves. You are doing yourself a disservice. The issues you raise are not grounds for valid defenses as long as the lender meets the other more important criteria. Endorsement, holder of note and mortgage, originals to note, supporting affidavits, etc. Speak with a qualified, experienced attorney and that attorney will find the defenses that will help you. Simultaneously,...

    1 lawyer agreed with this answer

  5. I won a small claims back in May of 2013. The defendent wants to sue me because I am garnishing his bank account.

    Answered over 1 year ago.

    1. Robert Jason De Groot
    2. John Christopher Crowder
    3. Desiree Sanchez
    4. Michael J Corbin
    4 lawyer answers

    Sounds like you just have a disgruntled opposing party. From what I understand, you have followed the law and have garnished wages based on a valid final judgment. That's legal.

  6. How long does it take for bank to get auction Sale Date, after final judgment from the court?

    Answered over 1 year ago.

    1. Lewis Matthew Roberts
    2. Robert Lawrence Todd
    3. Robert Jason De Groot
    4. John Christopher Crowder
    5. Desiree Sanchez
    5 lawyer answers

    You have a couple of things going on. First, as to the final judgment and sale date, typically the judge will set a foreclosure sale date between 45-60 days from final judgment. However, with an aggressive attorney, you may get more time. As to the second issue, if there is a court order that requires conciliation, then the lender should not be entitled to a sale date. With all this said, it is imperative that you obtain a qualified and experienced attorney to help you. Some Attorneys will...

  7. Landlord died, home will go to foreclosure, Son wants us to pay rent to him. What Do we do? No written lease, only verbal.

    Answered over 3 years ago.

    1. Rixon Charles Rafter III
    2. Desiree Sanchez
    3. Gary D. Bollinger
    3 lawyer answers

    Consult with an attorney as soon as possible. This matter is a probate and landlord/tenant issue. He may have the right to collect rent depending on the situation. Whoever is the rightful owner of the property has the right to collect. The rightful owner, as of right now, is the biggest question you need answered from an experienced attorney.

  8. Filing bankrupcy can I buy a car?

    Answered over 3 years ago.

    1. Desiree Sanchez
    2. Michael Anthony Cataldo
    3. Dorothy G Bunce
    4. Perry Marc Nardi
    4 lawyer answers

    If you intend to file bankruptcy, the court will be looking at all of your assets. If you "need" a vehicle, you can absolutely purchase a vehicle. However, it would be best to consult with an attorney before you make such a purchase to discuss the specifics of the value and expense of the vehicle, along with a discussion of all of your other assets.

  9. Can I purchase my fathers home? It is going into foreclosure soon. I really want to keep the house, but need a lower pymt. Help.

    Answered over 3 years ago.

    1. Desiree Sanchez
    1 lawyer answer

    I am assuming the home is upside down and a short sale would be required. If that is the case, it must be an arms length transaction, meaning immediate family such as yourself cannot purchase the property. Unless, however, the lender is aware that you are purchasing the property and has no problem.

  10. 2 Liens for Pre Petition (prior to bankruptcy) & Post Petition Maint fees and now a JUDGEMENT for Post Petition fees after

    Answered over 3 years ago.

    1. Todd Michael Boudreaux
    2. Desiree Sanchez
    2 lawyer answers

    As to maintenance fees in paritcular, post-petition debt you will be liable for; however, pre-petition debt you are not. Therefore I recommend you request an itemization of unpaid maintenance fees so you can ensure that the fees being sought are correct. Attempt to do a settlement on the outstanding fees owed post-petition. You may also want to complete a short sale or a deed in lieu of foreclosure to get the property out of your name.

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