Questions answered by Margery Ellen Golant

Archived

I am in foreclosure and have to be out 9/22/09; if I file bankruptcy now, will I have to be out sooner?

Margery's answer | Answered on August 04, 2009

If there is a Legal Aid agency in Collier County, they may do bankruptcy cases for people who qualify for their services (low income). Check with...

Archived

Partners bankruptcy in Florida

Margery's answer | Answered on August 04, 2009

I am assuming that at the closing of that loan, you signed the mortgage instrument, which authorized the imposition of the mortgage lien. If that...

Archived

If a mortgage company agrees to a stipulated judgement and proceeds to proceed with the foreclosure???

Margery's answer | Answered on August 03, 2009

What it means is that they roll right over people all the time, and just keep going. You need a QUALIFIED foreclosure defense attorney...

Archived

Once foreclosure proceedings begin, can you pay all missed payments and late fees and the proceedings will cease?

Margery's answer | Answered on August 03, 2009

Yes, you do have the right to reinstate the delinquent loan, and once you do, it goes back to a performing loan with the contractual payments. ...

Archived

Do Florida HOA have to give NOTICE of nonpayment to get a forclosure lien on my Condo? (Never received any type of notice)

Margery's answer | Answered on August 02, 2009

Condo and HOA liens can indeed be foreclosed just like mortgages, and the property is lost just as surely as in a mortgage foreclosure. Generally...

Archived

We are 3 months behind on our mortage. We are in contact w/them about a loan mod, how many missed payments before foreclosure?

Margery's answer | Answered on August 02, 2009

This is a HUGE source of trouble. Foreclosures are handled by a completely different department than those who process requests for workouts and...

Archived

What should I do and what rights do I have as a renter?

Margery's answer | Answered on August 01, 2009

There is a new law which provides a foundation to help tenants in this situation. However, you should NOT try to deal with this situation by...

Archived

Bank backing out of foreclosure, and I want to pull escrow

Margery's answer | Answered on July 30, 2009

The mortgage loan documents determine whether an escrow for taxes and insurance is required. Normally the loan servicer will not agree to deviate...

Archived

I received a mort. foreclosure complaint summons 2 wks ago from the circuit court of the 9th. judicial circuit. how do i mediate

Margery's answer | Answered on July 26, 2009

While there is an Administrative Order in effect in the 9th Circuit which does provide for a mediation process, you must STILL file a legally...

Archived

How do I find out if a house is facing foreclosure before I rent it?

Margery's answer | Answered on July 25, 2009

There is no way to find out if they are current on their payments, other than by asking them to show you the billing statements from their mortgage...

Margery Ellen Golant's Answers (5399)

I am in foreclosure and have to be out 9/22/09; if I file bankruptcy now, will I have to be out sooner?

Partners bankruptcy in Florida

If a mortgage company agrees to a stipulated judgement and proceeds to proceed with the foreclosure???

Once foreclosure proceedings begin, can you pay all missed payments and late fees and the proceedings will cease?

Do Florida HOA have to give NOTICE of nonpayment to get a forclosure lien on my Condo? (Never received any type of notice)

We are 3 months behind on our mortage. We are in contact w/them about a loan mod, how many missed payments before foreclosure?

What should I do and what rights do I have as a renter?

Bank backing out of foreclosure, and I want to pull escrow

I received a mort. foreclosure complaint summons 2 wks ago from the circuit court of the 9th. judicial circuit. how do i mediate

How do I find out if a house is facing foreclosure before I rent it?