Foreclosure Defense Lawyer Helpline

Written by lisaspitzer on . Posted in Your Debt Relief Lawyer Blog

Foreclosure Defense  Lawyer Helpline

Foreclosure defense, Boca Raton, Bradenton, Cape Coral, Clearwater, Coral Gables, Daytona, Delray Beach, Fort Lauderdale, Fort Myers, Fort Pierce, Fort Walton Beach, Gainesville, Hialeah, Hollywood, Homestead, Jacksonville, Key West, Kissimmee, Lakeland, Largo, Melbourne, Miami Miami Beach, Naples, New Smyrna Beach, Ocala, Orlando, Panama City, Pensacola, Plantation, Pompano Beach, Port Saint Lucie, Palm Beach, St. Petersburg, Sarasota, Tallahassee, Tampa, Tarpon Springs, Titusville, Venice, Vero Beach, West Palm Beach, West Pensacola, Winter Garden, Winter Haven, and Winter Park Foreclosure defense lawyer helping clients  faced with losing their home, We will have a licensed attorney overseeing mitigation services while wholly handling any and all litigation, if necessary.  It is this comprehensive approach that has used to help  many homeowners keep their homes. In Florida, foreclosures are judicial, which means the lender (the plaintiff) must file a lawsuit in state court. The lender initiates the foreclosure by filing a complaint with the court and having it served to the borrower, along with a summons that provides twenty days for the borrower to file an answer. If you do not respond to the court action within the specified amount of time, then the lender can get a default judgment from the court. This means you automatically lose the case and potentially lose your home.  If you file an answer, then the lender cannot obtain a default judgment. Instead, the lender will either file a motion of summary judgment (where the court grants judgment in favor of the lender if there is no dispute as to the important facts of the case), or go to trial. Using a licensed Florida attorney your case will be evaluated to determine what is the best way to attempt to save your home.  Plaintiffs have attorneys on their side.  Choosing to have an attorney fighting for you is an important step in saving your home.  My firm can fight the foreclosure in the courtroom while working on a resolution out of court like a mortgage modification. FORECLOSURE DEFENSE AND MORTGAGE Help FOR STRUGGLING Florida HOME OWNERS Foreclosure Defense Experienced Foreclosure Attorney Given your individual circumstance our foreclosure lawyers may be able to: ​* Stop the foreclosure and sale date * Make your mortgage payments affordable * Restructure all past due payments * Reduce your principle balance Call us or contact us now to speak to an experienced foreclosure defense attorney. Let us review your situation and see if there are options for you. We can help you in the entire state of Florida. HOMEOWNER ASSISTANCE FORM FILL OUT OUR CONTACT FORM  for a free  consultation with a foreclosure attorney We are  not a government sponsored website or program and not approved by your lender. This website is also not a non-profit, state or local government website.  No particular result is guaranteed by engaging with partners in our network. Lenders may not agree to change a consumer’s loan. To access information on government sponsored assistance, please visit There is no guarantee that you may qualify for a loan modification. You will not be asked to transfer or surrender property titles nor will we offer to buy your house at a below-market price. You will not be asked to bypass the lender and make payments directly to the company or other third party. We do not encourage you to avoid contacting your lender, lawyer, credit counselor, or housing counselor.

Florida Foreclosure Defense Helpline | Foreclosure Defense Lawyers

Written by lisaspitzer on . Posted in Your Debt Relief Lawyer Blog

Florida Foreclosure Defense Lawyers for Foreclosure Defense

Short Sales, Renegotiations, Reinstatements, Deeds in Lieu of Foreclosure  

Florida Mortgage Modification Attorneys

A  Florida mortgage modification can help with a: reduction or change in the loan’s interest rate, reduction in the loan’s principal, reduction or elimination of late fees and penalties for non-payment, reduction in your monthly payment, temporarily stop making payments, or extend the time for making payments. Call our foreclosure defense lawyer network for a qualified foreclosure defense because a successful foreclosure defense may prohibit or delay the foreclosure process.  It  may induce a lending institution to negotiate a loan modification that allows you to stay in your home. This is the  goal

Will The Vaginal Mesh Manufacturers File Bankruptcy | Florida Vaginal Mesh Lawyers Discuss

Written by lisaspitzer on . Posted in Your Debt Relief Lawyer Blog

With thousands of vaginal mesh and bladder sling lawsuits file the Miami, Ft Lauderdale, West Palm Beach, Tampa and Orlando pelvic mesh repair attorneys question whether or not companies like C.R Bard, AMS, Coloplast, and Boston Scientific will be able to take the financial hit or will they file bankruptcy.  They tell us that Johnson and Johnson should be able to handle it although, they are facing some big liability lawsuits with their hip replacement failure lawsuits.
The last huge class action involving this many injured this many women was the Dow Corning Breast Implant class action. Dow Corning did file bankruptcy.
Dow Corning and other breast implant manufacturers, including Baxter International, Bristol-Myers Squibb, 3M and Union Carbide,  reached a settlement with victim’s attorneys in September 1994. Under the terms of this settlement, a $4.23 billion trust was be established. $2 billion was  contributed by Dow Corning.  The fund would act as an insurance policy: Women with implants who signed up by the March 1, 1995 deadline would receive compensation if they became ill later, to a maximum of $1.4 million. If they preferred to opt out of the settlement to attempt to recover more through the courts, they had to indicate that they intended to do so by the deadline. The largest part  of the trust is a $1.2 billion  disease compensation fund.  Over 410,000 women joined in on the settlement .The huge number of disease claims caused a shortfall in  funds and U.S. District Judge Samuel Pointer in Birmingham, Alabama, ordered a renegotiation of the settlement, which was in process in the weeks before Dow Corning’s bankruptcy filing. In the Dow Corning Breast Implant  class action bankruptcy a halt was put to any compensation under the settlement by a specific cut off date, as well as any new lawsuits. Women who desperately need medical treatment, including removal of the implants, will have to wait until the bankruptcy’s resolution before receiving funds. (Most insurance companies have refused to cover treatment.) Moreover, the settlement itself is in jeopardy, since Dow Corning, the primary supplier of the gel used in the implants, is the main contributor to the fund.

Will The Vaginal Mesh Lawsuits Go The Same Route?

Many Florida vaginal lawyers think that Judge Goodwin’s solution,to hold consolidated trials, will bring the litigation closer to a resolution.

The Good News For Florida Mesh Victims

Florida has a 4 year statute so you can still file your vaginal mesh or bladder sling lawsuit. Do not wait. If a trust is established there will be deadlines and cut off dates. Get in now Call the Vaginal Mesh Helpline 1 877 522-2123  and get a vaginal mesh lawyer today.

Student Loan Consolidation Debt Foregiveness Hotline

Written by lisaspitzer on . Posted in Your Debt Relief Lawyer Blog

Do You Owe Money On a Student Loan?

Are You Having Trouble Paying It Off?

Speak to a student loan  consolidation and forgiveness program lawyer and information ab out the  process. Did You Know That? Lower payments are possible There are extended payment programs Your loans may he able to be be forgiven. You get lower payments

Let Us Get Your Student Loan  Consolidated  or Forgiven


Foreclosure On The Rise In Florida, Foreclosure Lawyers Report

Written by lisaspitzer on . Posted in Debt Relief Blog, Foreclosre News


 The Foreclosure Facts

Banks repossessed 11% more homes in May than in April, potentially a sign that they, too, want to unload homes in a strong market.

Bank repossessions increased in 33 states, with some seeing a big jump.

Florida, Nevada, Ohio post the highest state foreclosure rates so far this year. A 20 percent monthly increase in foreclosure activity in Florida pushed Florida’s Foreclosure rate to the highest among the states in May, up from the No. 2 ranking in April. One in every 302 Florida housing units had a foreclosure filing during the month, nearly three times the national average. Florida foreclosure starts jumped 39 percent from a two-year low in April, but were still down 17 percent from a year ago. Scheduled foreclosure auctions in Florida increased 6 percent from the previous month and were up 79 percent from a year ago, while Florida bank repossessions increased 14 percent from the previous month and were up 20 percent from a year ago.

In North Carolina, repossessions were up 60% in May from April. Oregon saw a 57% jump, and Wisconsin and Illinois, a 44% increase.

Given the shortage of inventory and rising home prices, banks have little motivation to hold back on any foreclosures.Overall, foreclosure filings — which include default notices, scheduled auctions and bank repossessions — were up 2% in May from the 75-month low in April. Filings were down 28% from a year ago. Repossessions, which numbered almost 39,000 in May, are the end of a foreclosure, but foreclosure starts mark the beginning of a process that can take years. In May, foreclosure starts nationwide were up 4% from April but down 33% from a year earlier. However, 14 states saw foreclosure starts increase from last year. In some of those states, courts or legislatures slowed the foreclosure process to make sure they were done correctly following revelations in 2010 that many weren’t. As a result, those states tend to have more distressed homes still in the market. In New Jersey, foreclosure starts in May were up 82% from a year ago. Nevada starts were up 81% year-over-year. New York starts jumped 13% year-over-year. Despite the jump in activity in some markets, the housing recovery has strengthened most local markets enough to quickly shake off a few more blows from these nagging foreclosures. Nationwide, home prices were up 12.1% in April year-over-year.

Tight inventories of homes for sale in many markets are helping to drive the rapid increases, economists and real estate experts say.

However, there are signals that the inventory crunch has bottomed. Nationwide, the number of for-sale listings on Zillow was down 12% as of June 2 from a year ago. But that’s less severe than the almost 18% shortfall recorded

Fair Debt Collections Helpline, Fair Debt Collection Lawyers

Written by lisaspitzer on . Posted in Debt Relief Blog, Your Debt Relief Lawyer Blog

In Florida there are certain laws that govern what creditors can and cannot do when they are attempting to collect a debt. This is called the Fair Debt Collections Act. Collectors can use alot of tactics which are actually against the law. If you are a victim of these tactics call our Fair Debt Collection Helpline and speak to a fair debt collections lawyer. A collector cannot: make embarrassing calls to you at work, call your neighbors, Tell you you will go to jail if you do not pay up, tell you they are a government agency, tell you that they will seize, garnish or sell your property, tell  you that you will be arrested or imprisoned; threaten to tell  credit information to any other person; lye about being employed by or from a credit bureau; tell you that you have committed a crime by not paying the debt , act like  they are lawyers, use of a false or made up name; or  refuse to disclose who they are and the purpose of the call. Fair Debt Collection Act Overview  What types of debt collection practices are prohibited under the Fair Debt Collection Practices Act? –Use of threats of violence or harm against the person, property, or reputation –Publishing a list of consumers who refuse to pay their debts or advertise your debt (except to a credit bureau) or give false information about you to anyone –Repeatedly using the telephone to annoy someone or telephone people without identifying themselves –Falsely implying that they are attorneys or government representatives or misrepresent the involvement of an attorney in collecting a debt –Falsely implying that you have committed a crime and will be arrested if you do not pay your debt –Giving a false name when they contact you or falsely represent that they operate or work for a credit bureau –Misrepresenting the amount of your debt or claim they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so If you have been harassed by a collector and they have used these tactics call us to speak to a fair debt collections practices lawyer and learn about your legal rights under the Fair Debt Collections Act. –Indicating that papers being sent to you are legal forms when they are not or indicate that papers being sent to you are not legal forms when they are or send you anything that looks like an official document from a court or government agency when it is no –Claiming that actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take. –Collecting any amount greater than your debt, unless allowed by law –Using obscene or profane language –Depositing a post-dated check prematurely –Taking or threatening to take your property unless this can be done legally –Making you accept collect calls or contacting you by postcard –Calling your employer, neighbors, friends and relatives and revealing your delinquency to them [A delinquency can be revealed to a co-signor.] If you are being harassed for a debt and any of these tactics are being used call our Fair Debt Collections Helpline today and speak to a fair debt collections lawyer. You may be able to make a claim against them under the Fair Debt Collections Act and receive compensation. You have the right to sue the debt collector. If a debt collection agency has violated the the law, the FDCPA gives you the right to sue the debt collector. Our fair debt collection attorneys work on a contingency and when you have one of our debt collection lawyers on your side all contacts must go through him or her. The harassing  debt collection calls will stop.

 In trouble from an online payday loan?  You might not have to repay it

Florida Foreclosure Defense Hotline, Keep You House Off the Florida Foreclosed Homes List

Written by lisaspitzer on . Posted in Florida Foreclosure Defense Hotline

Florida cities top national list for bargain foreclosed homes, and our Florida foreclosure lawyers are busy saving Florida homes from the foreclosure re sale list. Get a foreclosure lawyer now. According to the Tampa Bay Business Journal a new report shows Lakeland, Tampa, Jacksonville, Palm Bay and Orlando are five of the top 10 cities nationwide where buyers can find foreclosed homes at a bargain. The study by Irvine California-based RealtyTrac Inc. said the deals come as a result of a backlog of properties and abundance of distressed debt in these places On the same list were four other cities in New York, Bloomberg News said. Palm Bay leads the way with a 34-month foreclosure supply and a 28 percent average discount to homes without debt problems, the report said. Daren Blomquist, vice president at RealtyTrac, told Bloomberg that the trend is gradually improving with the underlying fundamentals in many Florida markets improving last year, giving them the ability to “absorb additional foreclosure inventory” in 2013. That is good news for buyers and investors, he said. In 2012, the number of default, auction and repossession filings were four times higher in Palm Bay than they had been in 2011, and doubled in Lakeland. During the same period, filings increased by 80 percent in Tampa, Bloomberg said.

Florida Foreclosure Lawyers, Protect Your Home From Foreclosure

Written by lisaspitzer on . Posted in Florida-Debt-Relief-Updates

Foreclosures are back on the rise in Florida. it is simple; the bank owns your home and you must pay your monthly mortgage payment. When you fall behind the bank takes back your home. In a sense it is on loan to you.

Our attorneys are ready to help you with: Alachua County foreclosures, Baker County foreclosures, Bay County foreclosures, Brevard County foreclosures, Broward County foreclosures, Charlotte County foreclosures, Citrus County foreclosures, Clay County foreclosures, Collier County foreclosures, Columbia County foreclosures, Duval County foreclosures, Escambia County foreclosures, Flagler County foreclosures, Franklin County foreclosures, Gadsden County foreclosures, Gulf County foreclosures, Hendry County foreclosures, Hernando County foreclosures, Highlands County foreclosures, Hillsborough County foreclosures, Indian River County foreclosures, Jackson County foreclosures, Lake County foreclosures, Lee County foreclosures, Leon County foreclosures, Levy County foreclosures, Manatee County foreclosures, Marion County foreclosures, Martin County foreclosures , Miami-Dade County foreclosures, Monroe County foreclosures, Nassau County foreclosures, Okaloosa County foreclosures, Okeechobee County foreclosures, Orange County foreclosures, Osceola County foreclosures, Palm Beach County foreclosures, Pasco County foreclosures,Pinellas County foreclosures ,Polk County foreclosures, Putnam County foreclosures, Saint Johns County foreclosures, Saint Lucie County foreclosures, Santa Rosa County foreclosures, Sarasota County foreclosures, Seminole County foreclosures, Sumter County foreclosures, Volusia County foreclosures, Wakulla County foreclosures, and Walton County foreclosures. Get the help you need and keep your home.

  • Loan modification Help
  • Foreclosure defense help
  • Bankruptcy is ther last resort


Second Recession Predicted, Foreclosure, Bankruptcy Lawyers Needed

Written by lisaspitzer on . Posted in Florida-Debt-Relief-Updates

As the financial cliff comes closer experts are predicting a second recession. With this will come more foreclosures and bankruptcy. We need debt relief lawyers, foreclosure lawyers and bankruptcy lawyers to meet this demand.

U.S. Trade Deficit, Fiscal Cliff Threaten Second Recession

Published: Nov 08, 2012

By Peter Morici

The Commerce Department reported the deficit on international trade in goods and services was $41.5 billion in September, up from $24.9 billion prior to the economic recovery.

Imported oil and subsidized imports from China account for nearly all of the $500 billion annual trade gap. Dollars spent abroad that do not return to buy U.S. exports reduce demand for U.S. goods and services, and slack demand is the principal reason for slow growth and jobs creation in the U.S.

In 2009, stimulus spending and additional tax cuts increased domestic spending by $1 trillion and jump-started growth, but those tripled the federal deficit.

In 2010, consumer spending accelerated–deleveraging, as measured by new consumer credit ended–and the recovery had its best year–gross domestic product grew 2.4%.

However, too many stimulus and consumer dollars went abroad to purchase more oil and other imports, principally from China, and too many stimulus dollars were squandered on dead-end projects like failed solar panel manufacturer Solyndra or electric vehicle technologies that failed. Those kept the initial recovery from accelerating hiring and boosting wages, and in turn, from becoming self-sustaining.

Ultimately, the recovery remained dependent on huge federal deficits, which have averaged $1.3 trillion over the last four years–three times the last Bush Administration deficit in 2008.

The economic recovery began five months after Barack Obama took office, and GDP growth has averaged 2.2%. In October 2009, unemployment peaked at 10%, and has since fallen to 7.9%; however, a lower percentage of adults working or seeking work accounts for about 80% of that reduction.

Ronald Reagan inherited a similarly troubled economy with unemployment cresting at 10.8% early in his presidency. When he sought re-election, the economy was growing at 6.3%, unemployment was 7.3% with adult labor force participation rising.

Mr. Reagan encouraged the development of natural resources and endured much criticism from environmentalists and academics. Whereas Mr. Obama has talked repeatedly about developing alternative energy resources and imposed limits on oil production in the Gulf, off the Pacific and Atlantic Coasts, and Alaska. Merely replacing domestic oil with imports does little to improve air quality or curb CO2 emissions.

To boost sales of Chinese products in the U.S., Beijing undervalues the yuan through intervention in currency markets and subsidizes exports. It pirates U.S. technology and imposes high tariffs on imports. Diplomatic efforts pursued by both President George W. Bush and President Obama have failed to yield much relief for competing U.S. businesses and workers.

Eliminating the trade deficit by developing U.S. energy and taking aggressive steps to counter Chinese protectionism would boost GDP by $1 trillion and create 10 million jobs.

However, in coming months the president and Congress will be preoccupied with averting the "fiscal cliff" and deficit reduction–without action by Jan. 1, taxes will increase by $136 billion and spending will be cut by $532 billion.

The likely outcome is higher taxes on the wealthy and spending reductions that will slice the deficit by about $300 billion. This reduction in demand could throw the economy into a deep recession without offsetting policy actions to jump-start additional oil and gas production, curb the growing trade deficit with China or offer businesses relief from new regulations and health-care mandates.

Other items on President Obama's second-term agenda–tax reform, immigration reform and alternative energy project–will take many months to affect and have few immediate effects on growth.

In the end, the president and Congress will not be able to raise taxes–be those on the wealthiest of the wealthy or anyone else–and cut spending without risking a second recession, deeper and more painful than the Great Recession.
With this in mind we are gettiong ready and are seeking nationwide debt relief lawyers ready to accept cases nationwide.

Florida Foreclosure on the Rise, Foreclosure Defense Helpline

Written by lisaspitzer on . Posted in Debt Relief Blog

Florida foreclosure is on the rise according to the Sun Sentinel. Highest rates of foreclosure appear to be in South Florida. The South Florida counties include Dade, Broward and Palm Beach and the cities  as far south as the Florida Keys, Homestead, Miamai, Miami Beach, Hollywood, Fort Lauderdale, Boca Raton, Coral Springs, Deerfield Beach, Delray Beach, Boynton Beach, West Palm Beach as well as smaller communities. Foreclosure on the rise in Stuart, Vero Beach, Port St Lucie> Okeechobee, Daytona, Melbourne, Titusville, Jacksonville, Kissimme, Orlando, Ocala and across thru Winterhaven, Tampa, Clearwater, and Ft Myers.

South Florida foreclosures increase in August

By Paul Owers September 13, 2012 11:55 AM

Foreclosures in South Florida and across the state continue to increase following a slowdown last year.

Broward County experienced a 29 percent increase in the number of foreclosure starts in August compared to the same time a year ago, according to the RealtyTrac listing firm said. In Palm Beach County, the number of new cases jumped 35 percent.

RealtyTrac of Irvine, Calif., monitors public records for foreclosure starts, scheduled auctions and bank repossessions.

Florida had the nation’s second-highest foreclosure rate after Illinois, with one in every 328 housing units receiving a notice last month. Foreclosure starts rose 26 percent in the Sunshine State from August 2011.

Lenders temporarily halted many new cases in 2011 after bank employees admitted under oath that they used faulty paperwork to repossess homes. Banks have since resumed those foreclosure filings, five years after the crisis began.

“This is not winding down quite yet,” said Daren Blomquist, a spokesman for RealtyTrac.

The Federal Housing Finance Agency announced this week that San Diego-based Pacifica Companies was the winning bidder on 699 foreclosed homes across Florida. Pacifica made an initial payment of $12.3 million and will share in the ongoing cash flow of the properties.

It was the first bulk sale announced as part of a government program to unload foreclosed properties.

Meanwhile, California research firm CoreLogic on Wednesday said more than 10.8 million homes nationwide are worth less than the mortgages, down from 11.5 million a year ago.

In Palm Beach County, 42 percent of homes are “underwater,” while 44 percent of Broward homes are worth less than what’s owed.

If you are in trouble and fear losing your home call the Foreclosure Defense Helpline today.
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Attorneys who cover Boca Raton, Delray Beach, and Palm Beach County
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Attorneys who cover  Jacksonville, Jacksonville Beach, St. Augustine, Orange Park all of Northeast Florida including Marion Sumter, Flager and Duval counties. Also Attorneys who cover Northwest Florida including: Tallahassee, Pensacola, Panama City and Starke.