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The past year has been extremely challenging for homeowners in South Florida and throughout the rest of the country. For some, it is a bit too reminiscent of the Great Recession and that is enough to strike fear in the heart of any Floridian. It is well known that Florida…

Millions of American homeowners have struggled through the pandemic.  When Congress passed the CARES Act providing for automatic forbearance, that was a lifeline that millions of homeowners needed.  However, for many homeowners, it has created even more headaches and nightmares. We have seen homeowners charged for late fees, property inspections,…

There is an enormous number of debt collection lawsuits being filed right now.  Most people being sued have never been in this position before and panic.  They will call the lawyer that is suing them in a desperate attempt to work out a solution.   The debt collector’s lawyers know that…

It has been revealed that as many as 85% of all debt collectors have been unlawfully disclosing people’s information regarding debts to third parties. If you have received any type of debt collection letter, then most likely that debt collector has disclosed information regarding your debt to others unlawfully. If…

Recently, the Florida Fifth DCA reversed a summary judgment in a foreclosure case because the lender did not offer sufficient evidence that it followed proper procedures and satisfied certain conditions. After the bank tried to accelerate the mortgage in the case Parkin v. Eagle Home Mortgage, LLC, the homeowner filed…

According to a recent report, over half of Americans who took on a new hobby during the pandemic have gone further into credit card debt. For some, this is not an issue. After all, people were forced to stay at home and for those lucky enough to keep their jobs…

Short sales have become more popular in the last several years, largely because banks want to avoid the expensive foreclosure process. The short sale process is sometimes a long and frustrating one, but the result can be very rewarding. Once the property is sold, you will no longer have the…

In its simplest form, a bankruptcy discharge occurs once a bankruptcy case is finalized and relieves you from any obligations of repaying your debt. Once your debt has been discharged, creditors cannot take any further action to collect on the debt. Creditors and debt collectors cannot call, send letters, or…

If you have a credit card that has accumulated debt on it, you are in good company. According to an Experian report published in the third quarter of 2020, Americans carried, on average, $5,315 in credit card debt. While that number is alarming, it only applies to credit card debt…