Banks Produce the Note
May 26, 2012
In order to foreclose on a property, a bank must first obtain a Final Judgment of Foreclosure. There is a specific procedural process that must be followed before a court may enter a Final Judgment of ...
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Florida Fair Lending Act
May 26, 2012
The Florida Fair Lending Act, Chapter 494, Florida Statutes, prohibits predatory tactics on high cost home loans, including:
* Charging prepayment penalties for longer than three years
* Increased inte...
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$3.4 Million Dollar Jury Verdict In Las Vegas For Wrongful Foreclosure
May 26, 2012
A Las Vegas Jury recently awarded a family $3.4 million in a wrongful foreclosure case. As you can guess, this wasnt your everyday foreclosure. It kind of reminds you of the McDonalds hot coffee case. ...
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Property Tax Appeals
May 26, 2012
In Florida, property tax assessments are adjusted once a year. On January 1, the property value and the total tax owed are set for that year. However, there is a method by which to reduce your total ta...
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New York Times Quotes Ray Garcia
May 26, 2012
On Sunday March 1, 2009, the New York Times wrote an article regarding Ana Fernandez, whos home had been sold by the bank, however, the Law Office of Ray Garcia, P.A. in its representation of Ms. Ferna...
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Florida Bankruptcy Attorney
May 26, 2012
The current economic crisis has hit Florida as hard as any state in the country. The bankruptcy filings in Florida have reached staggering numbers. If you are considering bankruptcy you are not alone a...
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THE IMPORTANCE OF SUBMITTING A COMPLETE FINANCIAL PACKAGE WHEN APPLYING FOR A LOAN MODIFICATION
May 26, 2012
It is imperative at the beginning stages of applying for a Loan Modification that you submit a complete Loan Modification package to the bank.Every bank has different guidelines, but generally request ...
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HOMEOWNER AFFORDABLE MODIFICATION PROGRAM
May 26, 2012
While the United States of America is close to three (3) years into the loan modification process, many homeowners still do not understand the basic guidelines to actually qualify for this government b...
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RENTERS AND FORECLOSURE
May 26, 2012
Renters are being seriously affected by foreclosures almost as much as homeowners these days. The downfall of the mortgage industry has resulted in millions of foreclosed homes.Most of the occupants of...
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Cash for Keys
May 26, 2012
The program called Cash for Keys Program is probably the best-kept secret in the banking industry. This program is probably offered by 90% of lenders but, lenders never offer you this program if you do...
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