This time of year is challenging for split families. With two completely different family branches needing time together on their own and various professional and personal matters to address, the back-to-school season can be especially difficult. Even with a court-ordered custody and visitation schedule, life isn't always straightforward, especially during the school year. As Florida children prepare to return to Read More
What Are The Benefits of Refinancing My Florida Mortgage?
When you sign a mortgage for a piece of Florida real estate, you aren't locked into those mortgage terms forever. We regularly talk about refinancing options with clients who invest in Florida real estate, either for their own homes, for commercial real estate purchases or to establish a Florida real estate portfolio. Refinancing can be a strategic savings tool under the right circumstances. We want to explore some Read More
Understanding the Steps of the Florida Foreclosure Process
At the Law Office of Ray Garcia, a foreclosure defense firm in South Florida, we understand the challenges of facing foreclosure. We aim to help you navigate this difficult process to avoid losing your home. Knowing the steps of the foreclosure process can prepare you for what lies ahead. Pre-Foreclosure When homeowners can't make mortgage payments, lenders must send a “notice of default and acceleration.” This Read More
Seven Risks to Your Startup Company and How to Avoid Them
Startups are an integral part of ongoing innovation but frequently face significant hurdles in even getting off the ground. Transitioning from a startup to a legacy of ongoing success presents even greater challenges that must be met with competent, proactive measures and consistency from your team. The path to success in the startup space is riddled with threats, making it necessary for emerging companies to Read More
Federal Trade Commission Approves Rule to Ban Non-Compete Clauses
Our team has been closely monitoring developments within the Federal Trade Commission (FTC) after the commission proposed a ban on non-compete clauses in employment contracts last January. Now, the FTC has formally voted to approve and implement the rule. This has far-reaching implications for Miami and Florida businesses that use non-competes to protect their businesses, weed out the competition, and preserve trade Read More
The Biggest Factors That Determine The Cost of Florida Real Estate
Buying and investing in Florida real estate is a life-changing opportunity. It’s a commitment that’s made people, families, and communities a significant amount of money. This doesn’t mean, however, that it’s for everyone. Before entering the real estate market, it’s imperative to understand the costs and what factors go into those costs. When venturing into the Florida real estate market, one of the primary hurdles Read More
What Role Does the Freedom of Contract Play in Florida Business Litigation?
Business disputes happen. In some cases, Florida business litigation cases are the "cost of doing business," but it's still important to understand and limit those costs when possible. In many business litigation cases, one party wants to enforce certain terms upon the other party in order to remedy a situation or repay a debt. What these parties neglect is that Florida courts, historically, have not been keen on Read More
Does My Business Filing for Bankruptcy Mean I Have to Close?
Bankruptcy is generally viewed as a last-resort measure for Florida businesses and individuals. You’ve tried everything to repay your debts, but it's become unmistakably clear that fulfilling those financial obligations is neither reasonable nor feasible for you to move forward. As a Florida business owner, it's understandable to fear that all your hard work might soon be gone as you’re left with nothing to show for Read More
Parenting Plans for Children With Special Needs
Formulating a parenting plan safeguards your children’s well-being during a divorce. There is an extra layer of complexity when the child has special needs. Standard parenting arrangements often fall short of addressing the requirements of these children. Designing plans that cater specifically to the individual needs and daily routines of children with special needs bolsters their growth and ensures the stability Read More
Is Joint Ownership An Effective Means Of Avoiding Probate?
People want simple solutions when it comes to passing on their assets. Joint tenancy with right of survivorship (JTWROS) is a popular choice, but it might not be as simple as it appears. This method allows for direct property transfer outside of probate, yet it has challenges and limitations. Understanding them is essential for those considering this option for estate planning. It's important to weigh the benefits Read More
