After much saving and planning the time has come to finally close on your real estate purchase. At the closing you will pay for your real estate purchase, the lender (if you have one) will fund your loan and the seller will transfer the title into your name. Although it sounds easy enough, all these tasks require a heap load of paperwork. Signing the documents necessary for the purchase is the longest part of the Read More
What is a Designation of a Health Care Surrogate?
Written by Nataline Garcia, Esq. A health care surrogate is a person who is appointed by you, to make health care decisions, in the event you become mentally or physically unable to make the decision yourself. Florida Statute §765.202 outlines the proper method of drafting and executing a designation of health care surrogate to establish a rebuttable presumption of clear and convincing evidence of your designation Read More
Covid-19, E-Notaries and What It Means for your Real Estate Closing
During the Covid-19 pandemic remote notaries can be an efficient tool to maintain the real estate market while honoring the various Orders for social distancing. Remote notarization became legal in Florida on January 1, 2020 meaning the buyer and seller do not have to be in the same room. Remote notaries work by affixing signatures and notary seals to an electronic document such as a PDF or Word document. This Read More
Will COVID -19 Impact your Bankruptcy Case?
Will COVID -19 Impact your Bankruptcy Case? COVID-19 has been affecting various aspects of daily life including the federal, state, and local governments. Although the courts have been slowly adjusting their rules and procedures in light of this pandemic – there are still some uncertainties in current and future debtors as to how they can move forward with their filings. The following are a few guidelines to follow Read More
What is a Loan Modification?
Written by: Nicole M. Garcia, Esq. At some point or another in our lives we are faced with adversities and struggles. If you find yourself struggling to make your monthly mortgage payments or have fallen behind, you are possibly at risk of losing your home or will be facing a Foreclosure lawsuit. It is important you know that all is not lost and there is hope in the form of options that are available to you. One of Read More
Chapter 7 Bankruptcy
The most common reasons you may find yourself needing to file bankruptcy are due to unemployment, overextended credit, health issues and large medical expenses. If you qualify for a Chapter 7 Bankruptcy, it may allow you to discharge a variety of debts. The greatest benefit for a Chapter 7 bankruptcy is that it erases most of the debts; however, allowable debts to be discharged typically exclude obligations Read More
Routine Checkups to your Estate Planning
Written by Nataline Garcia, Esq. Congratulations! You have taken the first step in planning for your future by preparing your estate planning. Now comes the question, down the road, does your estate planning need to be revised, updated or checked up on? Read below to find out the different reasons why you may want to consider having routine checkups to your estate planning. Life changes may impact your Florida Read More
How does the “CARES ACT” in response to COVID-19 help me with my Mortgage?
There was a time when we thought Y2K was the end of the world, but truth be told, what we are facing as a society and worldwide falls nothing short of a nightmare and although it may not be the end of the world, it sure does feel like it. It's highly recommended to stay home and practice Social Distancing. The sooner we can control the invisible terrorist, the sooner we can continue our usual lives. Our homes are Read More
Real Estate Closing in Miami Springs
Purchasing real estate is a process and in the process, you should always seek the advice of an experienced real estate attorney. This is especially true when purchasing real estate property in a Municipality such as Miami Springs, Florida. There are specific issues with real estate properties in Miami Spring, Florida and having an attorney with prior experience in the municipality makes the transaction easier and Read More
Estate Planning – Differences between Wills and Trusts:
The terms “will” and "trusts” are often used interchangeably, as if they are the one in the same. However, both are uniquely different and should not be confused with one another. A will and a trust are documents that are prepared in furtherance of the broader category of estate planning. Estate planning is an essential process, recommended for every person to take, in planning for their future and disposition of Read More
