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Charles Reiger Gallagher

Charles Gallagher’s Legal Guides

32 total

  • How to Hurricane Proof Your Business

    Personnel Each business should develop a notification system for closure and evacuation. Many businesses have established a hotline to alert employees of closure. Email and cell phones are also an

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  • Florida Foreclosure FAQ's

    Florida Foreclosure Law Q. I am paying my mortgage, why won't my lender help me? A. It's a matter of cash flow, with you making your payments; the lender has no incentive to assist you. It's when you remove the cash flow from the lender that they will consider default solutio...

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  • Florida Foreclosure Law FAQs

    Deficiency Judgment What is deficiency judgment? I hear about this in the news. Should I be concerned? A. Yes. While the idea of losing your home is bad enough, you are at the risk of losing your

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  • Tenant's Rights in Foreclosure in Florida

    Applicable Laws Protecting Tenants at Foreclosure Act of 2009 (Public Law 111-22) Codified Under The Helping Families Save Their Homes Act 2009 Leases Survive a Foreclosure meaning that tenants can

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  • Hurricane Insurance Claims: Prepare Before the Storm

    Do you have enough coverage? Contact your insurance agent to ensure that you have coverage equal to the value of your home. Don't Remain Uninsured If you are uninsured, obtain coverage before a storm

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  • Top 10 Tips to Mortgage Modification Success

    No doubt, you have heard countless horror stories about the black hole of mortgage modification requests at lenders across the country. While lenders appear to offer assistance to their borrowers, statistics do not support that modifications are being given to homeowners in need...

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  • Opening a Bank Account Soon...Know your Rights Under the Truth in Savings Act

    The Truth in Savings Act requires clear disclosure of the terms and conditions of bank accounts to prospective customers, including interest rates, interest rate changes, minimum balance requirements, check fees, check re-order fees and any penalties associated with the account. ...

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  • Post Insurance Claim Underwriting in Florida

    Perhaps the single most compelling reason to obtain insurance of any type is peace of mind. Peace of mind that you can seek health care, peace of mind that you can repair your home after a hurricane or peace of mind that you will be protected if you are the cause of a car accide...

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  • Improper Lender Vacancy Inspections

    Banks, lenders and servicers have become more creative in their collection practices with regard to mortgage defaults and foreclosure litigation. Almost all mortgages include a provision known as the preservation which permits the lender to confirm whether the home is occupied fo...

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  • Foreclosure: "Getting My Name Off the Loan"

    In the course of a foreclosure many clients inquire if they can "get the name off the loan" where the co-owners are parting ways due to divorce or some other issue. This foreclosure minute video addresses the legal issues associated with such a request.

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