Questions answered by Shawn Michael Yesner

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I'm a teacher and get paid 1650 biweekly because I don't get summer pay. Would I still qualify for head of household exemption?

Shawn's answer | Answered on July 02, 2013

Head of Household exemption is defined by FL Statute 222.11 as: “Head of family” includes any natural person who is providing more than one-half...

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What are the options for disputing/defending a medical bill left over from Medicaid from 2 years ago?

Shawn's answer | Answered on July 01, 2013

If the person who contacted you claimed to be a Florida attorney, you can verify on the Florida Bar's website (www.floridabar.org). If he is from...

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HOA foreclosed my appt turned condo because i owe them hoa fee(3 years =28k). I bought it for 139k is now worse 35k to 40k.

Shawn's answer | Answered on June 28, 2013

If the association foreclosed and you no longer own the property, then it makes no sense to continue paying for the mortgage. However, if you stop...

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What should I do about creditors and 800 numbers calling me?

Shawn's answer | Answered on June 28, 2013

If possible, next time the creditors call, get a name, telephone number and account number. Then write a letter to the creditor (keep a copy for...

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Hello I have just received a notice of action dated from the Circuit court and states I have 30 days to file a response.

Shawn's answer | Answered on June 26, 2013

Your response will depend on your goals. The Notice of Action means that the bank was unable to locate and serve you personally, likely because...

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If I receive a 3 day notice and do not move in time before the process begins what happens?

Shawn's answer | Answered on June 26, 2013

The landlord can start the eviction process after the three-day notice expires, and then once served with the eviction lawsuit you have 5 days to...

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Is there a difference between a loan modification and a refinance

Shawn's answer | Answered on June 26, 2013

I'm unsure from your question, but the lien you reference is different from the mortgage that sent you the modification, correct? In order to...

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Can a lender charge me $6500 after filing an affidavit of reasonableness fees of $3000 In the final payoff foreclosure?

Shawn's answer | Answered on June 25, 2013

Please provide additional details. If the lender's attorney incurred additional fees and time after filing their affidavit, then they can request...

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Can I avoid foreclosure and bankruptcy? My husband died and I can't pay the HELOC. B of A will not work with me.

Shawn's answer | Answered on June 20, 2013

Bankruptcy might actually be a very good option for you. If the HELOC is "wholly unsecured" - meaning the value of the house is less than the...

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Notice of Action/ Foreclosure lien by HOA

Shawn's answer | Answered on June 19, 2013

It is normal that the association attorney would issue the Notice of Action and send you a copy - the Notice of Action means they could not locate...

Shawn Michael Yesner's Answers (239)

I'm a teacher and get paid 1650 biweekly because I don't get summer pay. Would I still qualify for head of household exemption?

What are the options for disputing/defending a medical bill left over from Medicaid from 2 years ago?

HOA foreclosed my appt turned condo because i owe them hoa fee(3 years =28k). I bought it for 139k is now worse 35k to 40k.

What should I do about creditors and 800 numbers calling me?

Hello I have just received a notice of action dated from the Circuit court and states I have 30 days to file a response.

If I receive a 3 day notice and do not move in time before the process begins what happens?

Is there a difference between a loan modification and a refinance

Can a lender charge me $6500 after filing an affidavit of reasonableness fees of $3000 In the final payoff foreclosure?

Can I avoid foreclosure and bankruptcy? My husband died and I can't pay the HELOC. B of A will not work with me.

Notice of Action/ Foreclosure lien by HOA