In today's world, estate planning has evolved far beyond the traditional concerns of just managing physical property, titles, and finances. As our lives increasingly shift to digital platforms, it’s critical to consider how these virtual assets fit into your estate plan. Today, everything from bank accounts to priceless photos, online betting accounts, and cryptocurrency portfolios holds significant value. When Read More
New Real Estate Commission Rule Opens Doors for Streamlined Transactions
A nearly $2 billion settlement against the National Association of Realtors (NAR) is changing the way commissions are paid during home sales across the country, including here in Florida. The judgment is opening the door for buyers and sellers to approach these real estate transactions differently, allowing real estate attorneys to step in and provide valuable, streamlined support throughout the buying and selling Read More
Are You Doing Enough to Protect Your Intellectual Property Online?
In the digital age, protecting your intellectual property (IP) has become more challenging and more critical than ever before. The internet has made it easier for bad actors to access and misuse your valuable creations, whether it's artwork, brand names, or product designs. As technology continues to advance, so too do the methods used by those looking to profit from your hard work. Protecting your IP online isn’t Read More
Surviving Bankruptcy as a Florida Business Owner
One of the biggest lies we’ve been told as a society is that bankruptcy is a crushing end. Ultimately, some filings act as a springboard for future success, but you and your partners need to make the right choices in what follows. In many cases, filing for Chapter 11 bankruptcy provides a structured path forward, allowing the business to reorganize and continue operations. On the other hand, Chapter 7 bankruptcy Read More
Back to School Co-Parenting Tips for Florida Families
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