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	<title>Ray Garcia Law Blog</title>
	<link>http://raygarcialaw.com/blog</link>
	<description>Florida real estate and commercial law</description>
	<lastBuildDate>Fri, 17 May 2013 02:34:26 +0000</lastBuildDate>
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		<title>Short Sale Misconceptions in Florida</title>
		<description><![CDATA[A short sale allows a homeowner to sell a home where more is owed than what it is worth. Unfortunately, many short sale misconceptions have developed.  It is important to clarify these misconceptions. Misconception #1 &#8211; Banks would rather foreclose than work with a short sale. The reality is that the foreclosure process in Florida can be [...]]]></description>
		<link>http://raygarcialaw.com/blog/2013/05/short-sale-misconceptions/</link>
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		<title>Foreclosure Lawsuits by Lender Now Employ an Order to Show Cause</title>
		<description><![CDATA[Florida Statute 702.10 was enacted to allow foreclosure Lenders a procedure by which they may attempt to expedite the foreclosure process when they serve the homeowner with a foreclosure lawsuit.  Following the procedure of Florida Statute 702.10, once the Lender serves you with a foreclosure lawsuit, the Lender must file a motion for an Order to Show [...]]]></description>
		<link>http://raygarcialaw.com/blog/2013/05/foreclosure-lawsuits-by-lender-now-employ-an-order-to-show-cause/</link>
			</item>
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		<title>FHFA New Streamlined Modification Program</title>
		<description><![CDATA[The Federal Housing Finance Agency (FHFA) today announced that Fannie Mae and Freddie Mac will offer a new, simplified loan modification initiative to minimize losses and to help troubled borrowers avoid foreclosure and stay in their homes. Beginning July 1 2013, servicers will be required to offer eligible borrowers who are at least 90 days [...]]]></description>
		<link>http://raygarcialaw.com/blog/2013/04/fhfa-new-streamlined-modification-program/</link>
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		<title>Foreclosure Situation is Not Getting any Better</title>
		<description><![CDATA[Although the housing market is showing signs of recovery, other indicators show the foreclosure crisis is getting worse. In a September interview with U.S. News, Austan Goolsbee, the former chairman of the Council of Economic Advisers, said, &#8220;I think there&#8217;s a lot wrong in the housing market. If Fannie and Freddie would start enabling people [...]]]></description>
		<link>http://raygarcialaw.com/blog/2013/02/foreclosure-situation-is-not-getting-any-better/</link>
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		<title>SHORT SALES IN FLORIDA</title>
		<description><![CDATA[Short sales in Florida occur when a homeowner who can no longer afford to pay for their mortgage may avoid foreclosure and get out of the debt with minimal financial damage by he selling the property for less than the mortgage amount. Since the lender must accept less than what they are owed in order [...]]]></description>
		<link>http://raygarcialaw.com/blog/2012/11/short-sales-in-florida/</link>
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		<title>New Home Affordable Modification Program (HAMP) Guidelines and Qualification</title>
		<description><![CDATA[These last few years have had many homeowners default on their mortgage. If you are one of them, you should look into the various options you may have available to you to resolve this matter. If you are employed with income coming in monthly indefinitely you may be eligible for a Home Affordable Modification Program [...]]]></description>
		<link>http://raygarcialaw.com/blog/2012/09/new-home-affordable-modification-program-hamp-guidelines-and-qualification/</link>
			</item>
	<item>
		<title>What can you expect after filing bankruptcy?</title>
		<description><![CDATA[So, you cannot pay your mortgage anymore, you have maxed out all your credit cards and you are receiving non- stop phone calls from creditors. What do you do? Filing for bankruptcy could put an end to all of that. Are you concerned that you will never have credit again? Many people are. Many people [...]]]></description>
		<link>http://raygarcialaw.com/blog/2012/07/what-can-you-expect-after-filing-bankruptcy/</link>
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		<title>ROBOSIGNERS! the who&#8217;s and What&#8217;s of the mortgage industry</title>
		<description><![CDATA[Janette Boatman, John Cody, Christopher Bray, Micheal Koch, Rodney Cadwell, Sarah Block, Joe Bueno, Tamara Price, Tammy Saleh, Paul Hunt, Yvette Day, Jose Bueno, Bernice Thell, Steven Kane, Scott Anderson Dorey Coebel, Sarah Rubin, Amy Payment, Joseph Alvarado, Pam Anderson, Sheri Bongaarts, Jason Dreher, Tammy Brooks-Saleh, Etsuko Kabeya,Teresa Debaker, Jacqueline Brown, Peggy Glass, Paul Bruha, lindsey Lesch, Hari Charagundla, Robyn Colburn, Frank Coon, Cathy Hagstrom, Julie Coon, Jeremy Cox, Larry Dingmann, Kimbretta Duncan, Salina Edwards, Fedelis Fondunghallah, Fanessa Fuller, Elizabeth Gereschlaeger, Steven Grout, Jamil Kahin, Pam Kammerer, Gloria Karau, Scott Keller, Kyurstina Lawton, Whittney Lewis, Brock Martin, Joel Martinson, Donna Mc Nahght, Marisa Menza, Steve Moe, Toylor Moore, Annmarie Morrison, Melissa Mosloski, Kim Mullins, Susan Nigtingale, Richard Olasande,Ingrid Pittman, Rona Ramos, Paige Sahr, Kimberly Sanford, Erica Spencer, Renae Stanton, Maya Stevenson, Maya Stevenson, September Stoudemire,Emmanuel Tabot, Kae Maney Kue Vang, Rebecca Verdeja, Kim Waldroff, Katrina Whitfield-Bailey, Katrina Whitfield, Jerry Yang, Mellisa Ziertman, Katie Zrust, Roy Stringfellow, Amie Davis, Andrew Keardy, Tina Jones, Jamie Bilot, Vicki Kyle, Bernadette Polux, Charmaine Marchesi, Verdine A. Freeman, Lang Luu, Vishal Karingada, Dulce Diaz, Michele Boiko, Eileen J. Gonzales, Jeff Rivas, Marcia Medley, Laura Hescott, Treva Moreland, Kim Kinney, Peter Read, Judith Stone, Shivani L. Ram, Amy Jo Cauthern-Munoz, Dawn L. Reynolds, Sara Rubin, Bharati Lengade, Melony Moore, Angela L. Freckman, Kim Kinney, Jennifer Duncan, Jann Zimmerman, Steve Ballman, Anne Sutcliffe, Judy Faber, Martha Kunkie, Natalie Anderson, Scott Anderson, Joseph Lutz, Varsha Thakka, Denise A. Marvel, Michael Hanna, Ann Pinto, Toccoa Lenair, Vinod Vishwakakarma, Leticia Arias, Mutra Kumar, Sukhada Lad, Richard delgado, Fifi Volgarakis, Silvia Marchan, Sue Filiczkowski, Janice M. Baker, Aimee Austin, Keith Chapman, Neil. E Dyson, Renee L. Hensley, Joseph P. Hillery, Robert E. Kaltenbach, Brian J. LaForest, Michael H. Moreland, Steve A. Neilsen, Keith S. Reno, Margery A. Rotundo,]]></description>
		<link>http://raygarcialaw.com/blog/2012/06/robosigners-the-whos-and-whats-of-the-mortgage-industry/</link>
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		<title>FORECLOSURE FRAUD AND THE $25 BILLION NATIONAL MORTGAGE SETTLEMENT</title>
		<description><![CDATA[The record $25 Billion Dollar National Mortgage Settlement Agreement signed earlier this year involved 5 big lenders. According to recent reports, the Federal Reserve is now adding another 8 to the list. ]]></description>
		<link>http://raygarcialaw.com/blog/2012/05/foreclosure-fraud-and-the-25-billion-national-mortgage-settlement/</link>
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		<title>BANKRUPTCY MAY ASSIST IN FINANCIAL STRESS</title>
		<description><![CDATA[Bankruptcy is an option for some people who are overwhelmed by their debt. At times, stress is caused from debt related issues. This stress can lead to illness, loss of employment or even divorces. One could possibly avoid all the above mentioned issues by relieving their stress. Many times, filing bankruptcy is ones best option. [...]]]></description>
		<link>http://raygarcialaw.com/blog/2012/05/bankruptcy-may-assist-in-financial-stress/</link>
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