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Jacqueline Alicia Salcines's Answers (5889)

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Archived

What action should I take when mortgage servicer sends letter demanding $30k or foreclosure?

Jacqueline's answer | Answered on May 12, 2015

That is the standard acceleration letter and required to file for foreclosure. If you desire to stay in the house and work out a modification speak...

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HOA foreclosing on underwater condo I don't want to keep, should I just wait for eviction without consulting attorney?

Jacqueline's answer | Answered on May 11, 2015

I don't think you want a judgment against you that is valid in Florida for 20 years. So you can either short sale or file for bankruptcy

Archived

What do I do if my home loan"modification terms" are not adding up and cannot get answers from the "loan servicer"?

Jacqueline's answer | Answered on May 11, 2015

Certainly the scenario you describe is continued abuse by your lender. We encounter this all the time with borrowers handling their own loan...

Archived

Is it legal for a mortgage lender to stop servicing your home owners ins. in escrow but keep charging the same monthly mortgage?

Jacqueline's answer | Answered on May 11, 2015

Something doesn't sound right. They may have placed a force placed insurance in the property and are putting your escrows in reserve to return to...

Archived

Can I file a quit claim deed

Jacqueline's answer | Answered on May 11, 2015

How would he sign a quit claim deed if he is deceased? It would have to be posted to his heirs

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How do you get ownership of a property when the corporation that owned it ceased to exist and there are no board members?

Jacqueline's answer | Answered on May 11, 2015

The company would need to reinstate itself with the division of corporations in order to enter into a valid deed and convey the property to you

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I bought a house for my daughter with a mortgage in my name. Can I add their names to the deed so they can homestead theirs?

Jacqueline's answer | Answered on May 11, 2015

Yes, by preparing and signing a quit claim deed, you can add them to title. That is not an issue. Make sure the quit claim deed is accurately done...

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Should I file for Chapter 7 bankruptcy right before, or after my upcoming Foreclosure trial? I'm trying to maximize my stay.

Jacqueline's answer | Answered on May 10, 2015

You don't need to do a bankruptcy at all. What you need to do is hire an attorney to negotiate a consent judgment for you to stay in the house...

Archived

Please help. There is a hearing for the Plaintiff's Motion For Judgment On The Pleadings very soon.

Jacqueline's answer | Answered on May 09, 2015

Yes. That is something you can agree to with plaintiff and allow you to file affirmative defenses. Do you wish to keep the home and modify? If you...

Archived

In the State of Florida does your spouse need to be on title?

Jacqueline's answer | Answered on May 09, 2015

That is a question you should be posing to the attorney that's doing your closing. If you're not using an attorney, the bank more than likely...