Questions answered by Denise Lissette Lambert

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What is the legality of re-filing a homeowners insurance claim?

Denise's answer | Answered on October 01, 2015

Yes- you can always re-open a claim if you were underpaid. That said- I recommend using an attorney over a public adjuster in this scenario.

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My brother in law is filing for bankruptcy and paid almost of the fees..Lawyer said he wouldn't file anything unless the fee i

Denise's answer | Answered on September 11, 2015

Have your brother in law read his retainer. Most attorneys will only keep fees that were earned and refund the remaining amount. It is standard...

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I live in Florida and I have a court date for a final judgement on my house foreclosure. What are my options to stall this?

Denise's answer | Answered on September 11, 2015

Your best bet is to meet with an attorney immediately. The attorney should review the affidavits filed, your possible defenses, etc.

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We surrendered our home in Ch 13. Does the mortgage company still have to file for a foreclosure and how long does it take in FL

Denise's answer | Answered on August 31, 2015

Surrendering your home allows you to discharge that debt. However, the bank does not automatically gain title to the property. The property is...

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For a Chapter 7 Bankruptcy, is it possible to exclude certain creditors?

Denise's answer | Answered on August 31, 2015

Bankruptcy is all or nothing when it comes to unsecured debt. You cannot choose to discharge one card and retain another. However, secured debt...

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Landlord filing for bankruptcy?

Denise's answer | Answered on August 31, 2015

Unfortunately it will be difficult to obtain attorney fees for you. I recommend doing a cost benefit analysis of whether it is worth retaining an...

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Housing association on verge of bankruptcy

Denise's answer | Answered on August 31, 2015

If the association is on the verge of bankruptcy, I highly suggest the owners meet with an attorney well versed in community association law and...

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I have a mechanics line on property but want to attach the actual equipment that we delivered to the property as well. Help.

Denise's answer | Answered on August 28, 2015

I agree with the other answers. Your first step should be to speak with an attorney regarding suing the homeowner and obtaining a judgment. ...

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HOA is trying to collect dues after BK Cp7 discharged.

Denise's answer | Answered on August 27, 2015

HOA dues are tricky in bankruptcy. When filing a chapter 7, all fees accrued on and before petition date are discharged. However, the lien the...

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Florida SOL on personal loans?

Denise's answer | Answered on August 27, 2015

The SOL for a written contract in Florida is 5 years. The time starts ticking from the date of default, not the time the note was signed. As...

Denise Lissette Lambert's Answers (30)

What is the legality of re-filing a homeowners insurance claim?

My brother in law is filing for bankruptcy and paid almost of the fees..Lawyer said he wouldn't file anything unless the fee i

I live in Florida and I have a court date for a final judgement on my house foreclosure. What are my options to stall this?

We surrendered our home in Ch 13. Does the mortgage company still have to file for a foreclosure and how long does it take in FL

For a Chapter 7 Bankruptcy, is it possible to exclude certain creditors?

Landlord filing for bankruptcy?

Housing association on verge of bankruptcy

I have a mechanics line on property but want to attach the actual equipment that we delivered to the property as well. Help.

HOA is trying to collect dues after BK Cp7 discharged.

Florida SOL on personal loans?