Posts Tagged ‘Florida’

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.

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


Are We Headed For Another Round Of real Estate Declines? Foreclosures?

Written by lisaspitzer on . Posted in Debt Relief Blog

Homes for the price of a car
By Erika Riggs, Zillow
April 2, 2012

A house for the price of an SUV? That’s plausible, given the dip in housing. But a home for the price of a Ford Fiesta?

Whoa. Now there’s a value-bending proposition.

While most people don’t think of real estate in prices relative to that of a car, there are houses in some parts of the United States that are for sale with listing prices just like what you’d see at an auto dealership.

And we’re not talking about a house priced at the median home value of $150,000, which is akin to the sticker price of an Aston Martin. The homes featured below compare more favorably to standard highway fare: Nissans, Hondas, Fords, etc.

Some of these properties are distressed sales — either foreclosed or in the midst of a short sale — and some need a little renovation, but that’s still a pretty impressive given that they’re all comparable to the price of a new car. Are we ready for another real estate decline and more foreclosures?

Today, more than 6 million homeowners are behind in their mortgages and foreclosures rose in 21 states. Tampa, Florida alone, just had a 64% rise in foreclosures.  In other words, the “Floodgates are opening up on foreclosures, and there’s no way slowing the wave down.” In 2012, we will have more foreclosures processed than the all-time high in 2010. If you need a foreclosure defense lawyer call our Foreclosure defense helpline today.

Debt Relief Attorney Helpline, Debt Consolidation programs

Written by lisaspitzer on . Posted in Debt Relief Blog

Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?
You're not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn't have to go from bad to worse.

If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt settlement is yet another option. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future.

Debt Relief Attorney Network Debt Settlement Services

Debt settlement is a debt relief strategy for those who can afford to pay something towards their debts, but not the full amount, and for those who want to avoid filing bankruptcy.

Debt Consolidation Programs                                                                                                                                                                                                                   Debt consolidation is a process of replacing multiple debts with an affordable single monthly payment. It helps you lower your interest rates and monthly payments. This in turn assists you get out of debt with ease. Call our debt consolidation department today.

MAKING HOME AFFORDABLE Mortgage Modification Programs

Making Home Affordable (MHA) is the Obama Administration's initiative that helps struggling homeowners get mortgage relief through a variety of programs that aid in mortgage modifications, interest rate reductions, refinancing, deferred payment or transitioning out of your home while avoiding foreclosure. Before you begin, please explore the available programs and learn more about MHA. The more you understand your options, the easier it will be when you speak to a housing expert or your mortgage servicer. Call our mortgage modification department today. 

 Foreclosure defense

                                                                                                                                                                                                   Foreclosure is a specific legal process in which a lender attempts to recover the balance of a loan from a borrower who has stopped making payments to the lender by forcing the sale of the asset used as the collateral for the loan.A Florida homeowner facing foreclosure has options. There are actually a number of ways to effectively prevent foreclosure, and an attorney can help you understand these as they apply to your particular situation.


Loan Modification Helpline, Helping People Losing Their Homes

Written by lisaspitzer on . Posted in Debt Relief Blog

The loan ModIfication helpline is here for you if you are in jeopardy of losing your home. Get A Florida  Loan Modification lawyer right away to find out if you can take the first step to saving your home.
Our loan Modification Helpline  and loan modification lawyers can help you
Avoid Foreclosure with the following options :
• Loan Modification
• Lower payment, defer arrears
• Repayment Plan
• Repay arrears over months
Avoid Losing Your Home • Court reorganization plan
• Short Sale
• Sell home for less than you owe
• Deed In Lieu
• Walk away and owe nothing
• Foreclosure Refinance
• Get A Brand New Mortgage
• Special personalized options
What is a mortgage  loan modification?

 A loan modification, mortgage modification, restructuring, or workout plan, is when a borrower of a mortgage loan works with their lender to change the terms of their mortgage loan.  Usually in an attempt to lower monthly payments. A laon modification lawyer can help with this. This  modification  plan can result in temporary or permanent changes to the mortgage rate, term and monthly payment of the loan. The plan’s goal is to help the borrower reduce their monthly mortgage payments to 31% of their gross income. The goal being  to keep you in your home.

Get a Loan Modification lawyer

  • Lenders are  hard to deal with.  A Loan Modification lawyer can help you get the results you want from your lender and talk the talk that will get results.
  •  A Loan Modification lawyer  will review your case from a lawyers  perspective. They know how to deal with your lender, and will help you prepare your applications. They are familiar with specidic lenders.
  • Loan Modification lawyers get  results. Your lender will take your Loan Modification request more seriously when you have a lawyer on your side.An Attorney uses legal information as leverage when negotiating. A lawyer knows waht to say and when and is more experienced in negotiations
  •   A Loan Modification lawyer can stop the foreclosure proceedings, giving you more time to  get money together while he concentrates on saving your home.


If you are in fear of losing your home contact our loan modification helpline today for a loan modification lawyer.

States With Highest Foreclosure Rates, Florida is #1

Written by lisaspitzer on . Posted in Debt Relief Blog

States with the most homes in foreclosure
By Michael B. Sauter, Charles B. Stockdale, and Ashley C. Allen, 24/7 Wall St.
February 13, 2012

Five major U.S. banks accused of foreclosure abuses have agreed to a $26 billion settlement with the government, the largest payout from banks arising from the financial crisis. The amount, which will include aid from banks in the form of loan forgiveness and refinancing, is intended to help homeowners avoid mortgage default and foreclosure. Most economists believe this is a step in the right direction, albeit only a small one.

Homeowners in at least 49 states represented in the agreement will benefit, though some states have more homes in trouble than others. California, one the hardest-hit states in the foreclosure crisis, will reportedly receive mortgage relief of up to $18 billion. Based on Corelogic’s national foreclosure report, 24/7 Wall St. identified the states with the highest foreclosure rates.

Many of the states with the highest foreclosure rates experienced the worst of the housing crisis. However, analysis by 24/7 reveals that the primary driver of higher foreclosure rates is a lengthy foreclosure process.

Nearly all of the states with the highest rates also have the longest foreclosure periods. The average foreclosure process for the nation is 140 days. The average foreclosure process for the eleven states with the highest foreclosure rates is 220. As a result, many homes foreclosed in 2011 in these states were actually at the end of a process that began more than a year ago. New York, one of the states with the worst foreclosure rates, has an average processing period of 445 days.

The reasons why the foreclosure processing period is longer in these states is because it usually involves the court system. Judicial foreclosures are handled by the court and usual include filing motions and seeking a final judgment from a judge. Nonjudicial foreclosures, which tend to take less time to process, are governed by state law and do not require court intervention. Nine of the 11 states with the highest foreclosure rates have a judicial-only foreclosure process.

While some of the states with high foreclosure rates have had substantial improvements in their economies, others continue to be hit hard. In Nevada and Florida, two states with the highest foreclosure rates, homes lost roughly half of their value over the past five years — and prices are still falling. Foreclosures that began several years ago and that are still active cannot be the only reason nearly 12% of Florida’s homes with mortgages were in foreclosure last year. Home prices in the state fell nearly 50% over the past five years, unemployment remains extremely high, and 17.4% of people with mortgages in the state were 90 days or more late on their mortgage payments.

24/7 Wall St. reviewed housing data provided by Corelogic to rank the states that had the highest percentage of homes with mortgages that were in foreclosure in 2011. Corelogic’s report also provided the percentage of homeowners that were delinquent on their mortgages for 90 days or more last year. In order to highlight the conditions of these state economies and housing markets, we included unemployment rates from the Bureau of Labor Statistics and home price changes from Fiserv-Case Shiller.

Check out the five states with the most homes in foreclosure:

5. New York
2011 foreclosure rate: 4.6%
December, 2011 unemployment: 8% (23rd highest)
Home price change (2006Q3-2011Q3): -13.6% (23rd largest decline)
Processing period: 445 days

New York’s processing period for foreclosures is 445 days — by far the longest among all states. This could explain why the state has such a high foreclosure rate for mortgaged homes. And although New York’s housing prices didn’t decline as much as in other states, the 13.6% decline since the third quarter of 2006 is still quite large. Moreover, home prices are forecast to decrease among the most in the country over the next year and drop nearly 6% by the third quarter of 2012.

4. Nevada
2011 foreclosure rate: 5.3%
December, 2011 unemployment: 12.6% (the highest)
Home price change (2006Q3-2011Q3): -59.3% (the largest decline)
Processing period: 116 days

For Nevada, things aren’t going well. Its already dismal economy and housing situation are still getting worse. Nevada didn’t experience a glut of foreclosures last year because the state has a particularly lengthy foreclosure process. Between the third quarter of 2006 and the third quarter of 2011, the median home value in the state tumbled by nearly 60%. By the third quarter of this year, Fiserv-Case Shiller projects home prices will fall an additional 13.9% — by far the worst drop in the country. Nevada has the worst unemployment rate in the country, at 12.6%, and 13.4% of mortgage owners were delinquent on payments for 90 days or more last year.

3. Illinois
2011 foreclosure rate: 5.4%
December, 2011 unemployment: 9.8% (7th highest)
Home price change (2006Q3-2011Q3): -29% (7th largest decline)
Processing period: 300 days

Home prices in Illinois have dropped 29% from the third quarter of 2006 — one of the largest declines in the country. It also takes 300 days to process foreclosures in the state. And Illinois residents are not lining up to pay off their mortgages either. The state’s 90+ day delinquency rate for mortgage payments is 9.2%, the fourth highest in the country.

2. New Jersey
2011 foreclosure rate: 6.4%
December, 2011 unemployment: 9% (13th highest)
Home price change (2006Q3-2011Q3): -22.6% (14th largest decline)
Processing period: 270 days

New Jersey has one of the longest foreclosure processing periods in the country at 270 days. The state also has a 90+ day delinquency rate of 10.6%, which is the third highest rate in the country. On top of this, the state’s housing market is not expected to rebound for some time. In fact, home prices are forecast to decrease an additional 3.9% by the third quarter of 2012.

1. Florida
2011 foreclosure rate: 11.9%
December, 2011 unemployment: 9.9% (6th highest)
Home price change (2006Q3-2011Q3): -49% (3rd largest decline)
Processing period: 135 days

Florida Has the Highest Foreclosure Rate

Written by lisaspitzer on . Posted in Debt Relief Blog

Florida Has the Nation’s Highest Foreclosure Inventory
by Evan Bedard on February 8, 2012 in Real Estate

(Source: By Paul Owers, Sun Sentinel, Fort Lauderdale, Fla.) – Florida has the nation’s highest foreclosure inventory, according to a report Wednesday from CoreLogic, a California research firm.

Roughly 12 percent of all homes with a mortgage in the Sunshine State were in some stage of foreclosure as of December, virtually unchanged from a year ago. New Jersey is second (6.4 percent) and Illinois third (5.4 percent). The national average is 3.4 percent.

About 17 percent of Florida homeowners are 90 days late on their mortgage payments. That also tops the nation.

Other highlights:

• Lenders completed 83,268 foreclosures in Florida during 2011. Since January 2006, 483,374 foreclosures have made it through Florida courts.

• Nationally, 1.4 million homes, or 3.4 percent of properties with a mortgage, were in the foreclosure process as of December.

• Lenders completed about 830,000 foreclosures nationwide last year, down from 1.1 million in 2010.

Roughly 12 percent of all homes with a mortgage in the Sunshine State were in some stage of foreclosure as of December, virtually unchanged from a year ago. New Jersey is second (6.4 percent) and Illinois third (5.4 percent). The national average is 3.4 percent.

About 17 percent of Florida homeowners are 90 days late on their mortgage payments. That also tops the nation.

Other highlights:

• Lenders completed 83,268 foreclosures in Florida during 2011. Since January 2006, 483,374 foreclosures have made it through Florida courts.

• Nationally, 1.4 million homes, or 3.4 percent of properties with a mortgage, were in the foreclosure process as of December.

• Lenders completed about 830,000 foreclosures nationwide last year, down from 1.1 million in 2010.

Call Debt Relief Attorney Network for a loan modification, foreclosure defense, or debt consolidation lawyer today

Debt Consolidation and Debt relief

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

What is debt relief? Debt relief helps you deal with your overwhelming debt by offering:
Consolidation programs:  This allows you  to lower rates  on your credit card debt and make one monthly payment on your bills.
  •     Get your interest rates reduced
  •     Low monthly payments can help you cope
  •     Late fees may be able to be reduced or illiminated
  •     Get one  single monthly payment
  •     Those harassing calls from creditors and collection agencies can be gone.
There are  different  Debt  consolidation programs:
    Credit card consolidation: If you are overwhelmed with many credit card bills credit card consolidation can help you.  Credit card debt relief programs can consolidate all your credit card bills into  one  payment each month. A debt relief Attorney Network lawyer can work with your creditors and help you consolidate your  credit card debt.
    Bill consolidation:  Medical bills, utility payments and personal loans can be consolidated into one payment plan.
Debt settlement: A Debt relief Attorney network lawyer  will negotiate to reduce your outstanding balances. Settlement is one way of getting credit card debt under control. Many cards can cause confusion and an inability to make minimum monthly installments.
What are the benefits of settlement ?
  •     Single monthly payment makes it easier
  •     late payment fees and over-limit charges reduced or gone
  •     emotional and psychological relief
  •     stress off the marriage relationship
  •     Avoid lawsuits and wage garnishment and embarrassment
  •     Creditor and collection agencies off your back
  •     No need to file bankruptcy
Debt management:  A debt relief Attorney network lawyer can help you  review your financial mess  and negotiate with your creditors. The purpose is to help you pay off your bills  with less stress. A Debt management company may be recommended. Instead of paying your creditors, you send in your monthly payment to the credit counselor. This counselor distributes your payment to all your creditors.
What can debt management do for you?
  •     Reduced interest rates can help
  •     Relief with Low monthly payments
  •     Reduced or Waived off late fees and extra charges
  •     creditor collection calls gone
  •     Stress relief, and a good nights sleep
Self repayment plans can help You manage your debt
Bankruptcy is always an option : If the other Debt relief plans do not work, one of our bankruptcy lawyers  can help you file Chapter 7 and Chapter 13 bankruptcy. Bankruptcy can help you get relief from debt. Bankruptcy is an acceptable way to get debt relief through the court.  However, bankruptcy does  ahow on your credit history and makes it difficult to qualify for loans and credit.

Call debt relief Attorney network to discuss your options

Debt relief Attorney Network, Debt Consolidation programs, Foreclosure defense

Written by lisaspitzer on . Posted in Debt Relief Blog

Debt Relief Attorney Network Announces expanded Florida Helpline for Florida  Mortgage Modifications and Florida Foreclosure
Debt Relief Attorney Network has launched an expanded helpline for people with Debt problems. The new Helpline is oriented to Foreclosure defense, Loan Modification help and debt Consolidation. We will be seeing a new round of problems in 2012


PRLog (Press Release) – Jan 31, 2012 – The Debt relief Attorney Network has launched an expanded helpline for people needing help and advise regarding mortgage modification, Foreclosure and  debt consolidation. The helpline spokesperson says "We believe there will be a new round of problems in 2012. These people will need a reliable source to help them". The Debt Relief Helpline is expanding service and resources in the entore state of Florida.  FloridaThey feel will be showing an increase in the effects of the recession and residents will be in jeopardy of losing their homes in 2012.

"The Recent news we have been watching is reporting lower unemployment and a slow growth in the economy, but forecasters warn of a steady rise to consumer debt. As people get more burdened with debt the next problem is paying the monthly mortgage. It is a vicious cycle", says the helpline. "About 7.5 million homes with a current market value of $1 trillion will be liquidated through foreclosures or other distressed sales by 2016, according to an Oct. 27 report we have reviewed. The Obama administration said Friday that it will expand its signature foreclosure-prevention program to try to help those with heavy debt loads avoid losing their homes."

The Home Affordable Modification Program will also be extended through 2013. The Debt Relief Attorney Network's goal is to be there when people are needing help. The expansion is with an eye on what the next year will bring.

Challenge Your Foreclosure Now

Written by lisaspitzer on . Posted in Debt Relief Blog

Challenge your foreclosure now


It's late, and it's limited, but for borrowers who feel their homes were wrongly or inappropriately foreclosed upon in 2009 and 2010, there is now recourse.

As part of a larger enforcement action (so-called "consent orders") taken last April against fourteen of the nation's largest mortgage banks/servicers following the so-called "robo-signing" scandal, the Office of the Comptroller of the Currency is beginning a "multi-faceted independent review of foreclosure actions."

The major banks, including Bank of America, Chase, Citibank, Wells Fargo, GMAC, and EMC, will have to fund these independent reviews to evaluate, "whether borrowers suffered financial injury through errors, misrepresentations, or other deficiencies in foreclosure practices." If they did, those borrowers get some kind of "remediation."


"The challenge is substantial, but the steps we have required the servicers to take are vitally important to resolving these issues in a way that respects the rights of those who have been harmed and helps to restore confidence in the system," said John Walsh, Comptroller of the Currency in a statement.


The major mortgage servicers began sending out letters to eligible borrowers today to explain the process. The requests for the reviews must be received by April 30, 2012. So how many do they expect will request these reviews, given that there are potentially four and a quarter million eligible borrowers according to the OCC?


"It could be hundreds of thousands," Walsh told me in an interview this morning. "We are certainly hopeful they will have the capacity to handle it," he added with regards to the servicers. Walsh also admitted that if the volumes are very high, it could have an impact on the current foreclosure process at major servicers, "to the extent that capacity that servicers have that they'd otherwise devote to other parts of the business are affected." But he stressed that this is a backward looking, remedial piece and "shouldn't" affect current foreclosure cases.


So could a borrower get his or her home back? It's not out of the realm of possibility, although that is pretty unlikely given the home was probably already legally sold to someone else. Remediation would more likely involve fees that could be paid back or some other type of monetary compensation. No question it will be highly case-specific.

"The participating mortgage servicers remain committed to helping borrowers remain in their homes and have been working with federal banking regulators to resolve the issues raised in the consent orders," explained Paul Leonard of the Financial Services Roundtable in a release. The reviews, he adds, could take several months to complete.

Stephen Matzuk a foreclosure defense lawyer and has been a Debt Relief Attorney Network member for over 8 years. His main practice is in the Orlando, central Florida Area although he assists people with foreclosure problems in Miami, Fort lauderdale, West Palm Beach, Tampa, Winter Prk, kissimmee, Melbourne, Daytona, Vero beach, Pensacola ,Naples,Ft Myers, Venice, Key west and thru-ot the state fo Florida Stephen is always looking for new information for our followers