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Jacqueline Alicia Salcines
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Jacqueline Salcines’s Answers

3,028 total


  • I need help with debt settlement. I have about $4000 in collections and wanted to know the best way to resolve it?

    I only have 3 outstanding debts. One medical bill for $400, $500 for a phone bill and $3400 from a property mgmt company. I'm trying to buy a home and want to resolve these issues. I would like to negotiate down the debt or maybe make them go away...

    Jacqueline’s Answer

    Best thing to do as long as you can prove financial hardship is make an offer to settle. Creditors Usually accept 10 to 20 percent of total debt to settle. Consult with an attorney to assist you in tbe negotiation

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  • We live in FL and my dad wants to change his deed to include three children as joint tenants, do I need an attorney?

    my father wants to add his three daughter to his deed to avoid any problems with his estate when he dies. is this something we can do on our own or do we need an attorney to do this and record it so there is a valid deed and conveyance upon his de...

    Jacqueline’s Answer

    You don't need an attorney to prepare a deed but one is usually hired to make sure it is done correctly. Fla statutes are specific and need certain requirements. If you do it wrong and he passes then you are stuck
    For the little amount you pay it makes sense to hire an attorney to get it right the first time

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  • I am attempting to pay off a debt. The collector on the debt (AR Group LLC) said conversation was being record.

    Sent me a letter via email stating it was a promissory note. i have not signed anything. Does the letter actually serve as a promissory note without signatures Please let me know as soon as possible. Thank you

    Jacqueline’s Answer

    No they may be asking that you sign a promissory note. Creditors usually settle unsecured debt for pennies in the dollar. Consult with a knowledgeable attorney

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  • Do I need a real estate attorney?

    My HOA placed a lien on my property however, it's the incorrect owner.

    Jacqueline’s Answer

    Not necessarily if it can be straightened out. Hoa liens turn into foreclosures and the taking away of your property just like a mortgage lender would so it is quite serious and needs to be corrected. If you don't feel confident to take on the task hire an attorney. Should not be costly to hire one to resolve this

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  • What should I do if my bank (bank of america) tries to rescind a trial period pay plan agreement that is part of a fha home mod.

    Back in June we were approved for an fha gone modification with BOA. We sent back the paperwork signed. They sent us back paperwork with their signature as well. They gave us a 3 month trial period starting on aug. 1st. We were told not to make an...

    Jacqueline’s Answer

    Wow. Either someone at the bank dropped the ball at your expense or they are playing games with you. Probably the latter. I would hire a knowledgeable attorney as soon as possible. We often file complaints with the regulatory authorities if they don't comply which gets them to quickly fix the issue. However you first need an attorney to review everything and the reasons for their denial to see if they are acting within the law or not. Don't delay. Speak with one today and get this resolved. The longer you wait the less your chances are of getting it fixed before August

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  • Can I terminate a lease before it even starts?

    My daughter and I signed a lease electronically for a student apt for college. We were told that the apartment was safe and that a sheriff lived on property as well. Found out this is a lie and the complex is very unsafe. Multiple rapes, break i...

    Jacqueline’s Answer

    Yes you can with a knowledgeable and experienced attorney to negotiate for you. This same situation came up a few months back with another client and the landlord/owner required my client to find a replacement tenant. Doing so they permitted them out of the lease without penalty. Speak to an attorney today

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  • I borrowed money from a friend . He is taking me to civil court. I need advice . Please read details below.

    I borrowed money from my friend. $12536. He let me use his credit card and asked me to pay back within a month. I was not able to do so. His deadlines went by and his credit went into jeopardy. On Aug 6th another deadline is approaching. And if he...

    Jacqueline’s Answer

    You can try and work out a settlement with the creditor but if not behind it is unlikely they will accept

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  • What happens if I transfer my ownership of my home which is under contract to a family member who is a foreigner?

    I signed a contract to sell my home that I live in to an investor because I was planning to move away. But circumstances made the move too risky so I want to stay now. In order to avoid a forced sale, I'm thinking to transfer my ownership to a fam...

    Jacqueline’s Answer

    Your contract may or may not allow assignments as you are proposing. Speak to an attorney to review your contract and advise you on the best course to fix this

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  • Can I sue the seller of a house I am buying after closing?

    The seller of a house I am buying has delayed the closing for over 2 months due to title issues. Since it has taken so long our mortgage rate has increased and it will cost us over $30,000 over the life of the loan. Can we sue to recoup this $ si...

    Jacqueline’s Answer

    What are the title issue? And more importantly we haven't you hired an attorney to represent you at closing? You should not rely on sellers title company to represent or protect your interest. Consult with an attorney as soon as possible to get to the bottom of the delay and damages

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  • Foreclosure

    When the case involves a Mtg Bank and a Private lender as Jr mtg as plaiintiffs, if the case is dismissed with prejudice, can the Jr motgage without giving any notice start a new law suit

    Jacqueline’s Answer

    If you are behind on your mortgage with second yes they can. If you have a dismissal with prejudice in first you should negotiate a settlement of the second so they don't foreclose you and you can keep the house with no mortgage. Consult with an attorney as soon as possible

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