Understanding Florida’s Foreclosure Rescue Fraud Prevention Act (FFRFPA)

Given the high number of foreclosures that take place in Florida, it is really no surprise that there are many people who try to take advantage of the situation. One of the ways that this can happen is through fraudulent foreclosure rescue programs or services. When someone is in foreclosure, or at risk of foreclosure, they are typically going to be under a lot of stress, and are afraid that they will lose their home. Criminals can prey on ...
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Short Sales: What are They and How Do They Work?

If you are ‘underwater’ on your mortgage, meaning you owe more than it is worth, it can be a difficult situation to overcome. If you’re falling behind on your payments, and believe a foreclosure may be in your future, you do have some good options. One of the solutions that works well for people is to seek a short sale. Simply explained, a short sale is when you sell your home to another party for less than what is owed, with permission from ...
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5 Things to Know About Mortgage Modification

If you are having trouble making your monthly mortgage payments, you may want to consider seeking a mortgage modification. There are several modification options that mortgage companies can offer, each of which can help you to get caught up and arrange payments that are more affordable going forward. When first looking into this option, many people become overwhelmed with all the information. To get started, take some time to learn the following ...
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Selling Your Home: 6 Tips to Help You Maximize the Appraisal

When getting ready to sell or refinance your home, one of the first things you’ll need to do is have it appraised. An appraisal provides you with the general value of the home, which is then used by banks for approving loans and has a big influence on the property’s asking price. With this in mind, you want to do everything you can to maximize the appraised value. The following tips can push the appraised value of your home up by thousands of ...
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Mediation vs. Arbitration in Construction Disputes

When a dispute comes up in a construction project it is important to get it resolved as quickly as possible. Disputes have the potential to cause very significant delays, which are extremely expensive within the construction industry. In addition, if the dispute can’t be resolved it could cause a project to be abandoned. When facing disputes like this, there are three main options. The dispute can be litigated, or solved via either arbitration or ...
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A Brief Introduction to the Truth in Lending Act

The Truth in Lending Act, or TILA, was first enacted by the Federal Government back in 1968. It was written to help provide protections to consumers when they are dealing with lenders and creditors. Unlike most other laws, the TILA was implemented through a series of regulations made by the Federal Reserve Board. The regulations apply to a wide range of different types of credit including loans, credit cards, lines of credit, and more. What ...
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Attorney Expert Witness Services in Real Estate Transaction Litigation Matters

Recently, our office and more particularly Ray Garcia, Esq. has been hired to serve as an expert witness in various litigation matters. Mr. Garcia has served as an expert witness in not only attorney fee hearings, but also matters involving real estate transactions. The closing process could be quite complex and as a result parties tend to bring lawsuits against each other when the transactions go wrong. Whether it is to determine who is entitled ...
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4 Common Examples of Intellectual Property Disputes for Which You Need an Attorney

Intellectual property disputes are a unique area of law since they are treated similar to property disputes, but there is (typically) nothing physical involved. In today’s modern world, however, intellectual property can be just as valuable as physical property, and often even more so. If you believe someone has violated your intellectual property rights, or you have been accused of doing so, it is important to have an attorney there to represent ...
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Florida Construction Law: 5 Common Causes of Defect Claims

For construction companies, one of the biggest causes for legal concern is defect claims. These claims can occur at almost any time, even several years after the construction is completed, which is why they are so hard to plan for, and defend against. Learning about some of the most common causes of defect claims can help you to take proactive steps to reduce the risk of defects on all future projects. Defective Building Materials One of ...
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A Brief Introduction to Directors and Officers (D&O) Liability Insurance

One important part of doing business today is minimizing the level of risk that the company and employees are exposed to. One significant risk that companies overlook is having investors or other interested parties sue the directors or officers of the company, should its value go down. This is most commonly seen with very large companies when their stock price drops significantly, which is why about 95% of Fortune 500 companies hold insurance ...
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