Foreclosure Defense Attorney Florida

South Florida Mortgage foreclosures have reached unrealized levels. In fact, Florida is one of the top five states in number of foreclosure filings. If you are facing a mortgage foreclosure you are not alone and you should not participate in the process alone. Most banks in Florida are represented by a handful of foreclosure law firms who specialize in this area of the law. Even though, Florida has a judicial foreclosure process, these law ...
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Unable to Pay For Your Home, Well in Florida You Have Rights

Just because you are not able to pay your mortgage it does not mean that you do not have a right to defend a foreclosure in Florida. Since Florida has had a large number of fraudulent loans originated, when defending a foreclosure, it is imperative to review all of the documents that you have in your possession from your closing. There are various federal laws and state laws that require lenders to comply with in closing a home purchase, such as ...
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Miami Foreclosure Attorney

What do you look for in a foreclosure attorney in Miami? Many law firms in Miami have decided to become alleged specialists in Foreclosure Defense, when they have had no experience in Foreclosure law. Many of these attorneys are simply personal injury lawyers or bankruptcy attorneys who either have deep pockets to invest in massive advertisement or have an existing client base that needs foreclosure defense and they rather keep the business in ...
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Florida Foreclosure Defense

The bank's lawyer has a lawyer and you should to. There many different ways to defend a foreclosure in Florida. Quality Foreclosure Defense involves the use of the appropriate defenses. At the Law Office of Ray Garcia, P.A. we try to avail ourselves of all possible defenses. In order to defend your foreclosure, we analyze your complete closing package from the origination of your mortgage, which includes a review of your TILA disclosure, Uniform ...
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Property Tax Appeals

In Florida, property tax assessments are adjusted once a year. On January 1, the property value and the total tax owed are set for that year. However, there is a method by which to reduce your total tax assessments. To obtain a tax reduction during the year, you must show that the property was overvalued at the time that the value was set which is January 1. Sometime in August of this year you will receive what is called a TRIM notice (truth in ...
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Florida Deed in Lieu of Foreclosure

When negotiating a Deed in Lieu of Foreclosure in Florida be sure to  have the lender agree to waive or release you from  any deficiency in the difference between the mortgage amount owed and the ultimate market value of the property. This will prevent the lender from suing you in the future for that deficiency. A Deed in Lieu of Foreclosure will provide you no benefit unless you receive a waiver or relase of the deficency. ...
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Florida Foreclosure Defense

Just because you are not able to pay your mortgage it does not mean that you do not have a right to defend a foreclosure in Florida. In defending a foreclosure, it is imperative to review all of the documents that you have in your possession from your closing. There are various federal laws and state laws that require lenders to comply with in closing a home purchase, such as the Truth in Lending Act and the Real Estate Settlement Procedures Act. ...
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New York Times Quotes Ray Garcia

On Sunday March 1, 2009, the New York Times wrote an article regarding Ana Fernandez, who's home had been sold by the bank, however, the Law Office of Ray Garcia, P.A. in its representation of Ms. Fernandez was able to set aside the sale and set aside the summary judgment. The bank, Chevy Chase failed to produce the Note and there was no eveidence that the originating lender had assigned the Note to Chevy ...
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HSBC Loses at Summary Judgment In Broward County, Florida

In HSBC v. Socorro Hernandez, Case No.: 08-53265 filed in the 17th Circuit Court for Broward County, Florida, the Law Office of Ray Garcia, P.A. prevails on HSBC's Motion for Summary Judgment.  Judge Rothschild in Broward County, Florida denies HSBC's Motion for Summary Judgment and allows homeowner Socorro Hernandez to continue to defend the foreclosure filed against her. ...
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How Banks Are Worsening the Foreclosure Crisis

  By Brian Grow <http://www.businessweek.com/print/bios/Brian_Grow.htm>, Keith Epstein <http://www.businessweek.com/print/bios/Keith_Epstein.htm> and Robert Berner <http://www.businessweek.com/print/bios/Robert_Berner.htm>   The bad mortgages that got the current financial crisis started have produced a terrifying wave of home foreclosures. Unless the foreclosure surge eases, even the most extravagant federal stimulus ...
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