Questions answered by Dorota J. Trzeciecka

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Is it possible to get the home mortgage principle reduced?

Dorota's answer | Answered on October 20, 2013

Generally, when you're in foreclosure for some time, and then receive loan modification, your loan amount increases, because of (1) the unpaid...

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If I rent out a property as an HOA lien holder (cert of title), does FL adhere to the federal law that protects tenants?

Dorota's answer | Answered on October 16, 2013

Florida has its own Protecting Tenants at Foreclosure Act 2009..

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Wild Card Exemption

Dorota's answer | Answered on October 16, 2013

http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0200-0299/0222/Sections/0222.25.html

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Can I claim head of household exemption if I'm separated (not divorced) with two children but my ex makes more money than me.

Dorota's answer | Answered on October 07, 2013

Here is the definition of the "head of family". It's not how much you make - it's how much support you provide for your children. “Head of...

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Owner financing foreclosure question

Dorota's answer | Answered on October 04, 2013

Any final judgment automatically recorded and shows up in the public records, so yes, most likely it will show up on your credit report. You may...

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HOA lien purchased at county auction. The sale was vacated because the owner filed for bankruptcy. What are my options?

Dorota's answer | Answered on October 01, 2013

You need to involve an attorney representing creditors in bankruptcy, and do it quickly. If the money has not changed hands, that is the...

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Can someone purchase your house before the court grants summary judgement. Summary judgement is October 16.

Dorota's answer | Answered on October 01, 2013

Not without bank's approval of purchase price, or you will be responsible for the deficiency judgment. Unless, of course, your property has...

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Can the bank still try to collect on 2nd HELOC that was charged-off? If so, what is the Statue of Limitation in FL? Thanks,

Dorota's answer | Answered on October 01, 2013

Charge off is an accounting term, so that the lender can take a loss for an unpaid debt. Typically charged off accounts are sold in bulk to a debt...

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How long will the filing of Chapter 13 postpone a foreclosure ? can I do it on my own ?how do you go about getting cash for keys

Dorota's answer | Answered on September 30, 2013

To file Chapter 13, you need to have regular income to fund Chapter 13 plan. If you do not have the income then try this option. There's a...

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Cost to send a legal notice to a business/ Other options to initiate action for Non Payment

Dorota's answer | Answered on September 30, 2013

What you're referring to is a demand letter. That would be the first step in the collection process. The cost would depend on an attorney. Some...

Dorota J. Trzeciecka's Answers (560)

Is it possible to get the home mortgage principle reduced?

If I rent out a property as an HOA lien holder (cert of title), does FL adhere to the federal law that protects tenants?

Wild Card Exemption

Can I claim head of household exemption if I'm separated (not divorced) with two children but my ex makes more money than me.

Owner financing foreclosure question

HOA lien purchased at county auction. The sale was vacated because the owner filed for bankruptcy. What are my options?

Can someone purchase your house before the court grants summary judgement. Summary judgement is October 16.

Can the bank still try to collect on 2nd HELOC that was charged-off? If so, what is the Statue of Limitation in FL? Thanks,

How long will the filing of Chapter 13 postpone a foreclosure ? can I do it on my own ?how do you go about getting cash for keys

Cost to send a legal notice to a business/ Other options to initiate action for Non Payment