- Law Office of Ray Garcia, P.A.
- Our Testimonials
- Estate Planning
- The Biggest Factors That Determine The Cost of Florida Real Estate
- Advanced Strategies For Using Family Limited Partnerships In Estate Planning
- Unique Estate Planning Needs and Challenges for Business Owners
- 3 Estate Planning Resolutions For 2022
- What Does ‘Undue Influence’ Actually Mean in the Context of Estate Planning?
- How to Find a Good Trustee in Florida
- Which Power of Attorney Type Do You Need?
- Why You Need to Update Your Estate Plan During Your Divorce
- 4 Ways to Hold Your Real Estate Title in Florida
- Is a Life Estate Deed an Effective Estate Planning Tool?
- Real Estate Closings
- Closing: Understanding the Final Step of a Real Estate Process
- The Importance of Foreclosure Discovery for Florida Homeowners
- Why is Title Insurance Important, and What Does it Cover?
- When Are Landlords Responsible for Repairs and Improvements to Florida Rental Properties?
- An Overview of the Quiet Title
- Contingencies in a Florida Real Estate Contract
- First Time Home Buyer’s During COVID-19
- Purchasing a Foreclosure Home and its Liens
- What you should consider before purchasing a piece of land
- Landlords: 4 Tips to Ensure Compliance with the Fair Housing Act
- How does the "CARES ACT" in response to COVID-19 help me with my Mortgage?
- Real Estate Closing in Miami Springs
- A Brief Overview of Quitclaim Deeds
- Buying Your First House? Understand Your Mortgage Options
- Zoning Law 101: How to Obtain a Zoning Variance
- 4 Benefits of Having an Attorney Help You Close a Real Estate Sale
- "I’m Underwater on My Mortgage. What Are My Options?"
- Short Sales: What are They and How Do They Work?
- 5 Things to Know About Mortgage Modification
- Selling Your Home: 6 Tips to Help You Maximize the Appraisal
- What Could Go Wrong?: The Dangers of Purchasing a Home Without Legal Guidance
- 5 Common Issues that May Turn Up During a Title Search
- Buying Real Estate in Florida through Probate
- New Closing Rules
- 6 Factors That May Prevent You From Closing on Your Dream Home, Part II
- 6 Factors That May Prevent You From Closing on Your Dream Home, Part I
- Buying Your First Home? Four Tips for a Smooth Closing Day
- Bankruptcy
- Does My Business Filing for Bankruptcy Mean I Have to Close?
- Will All My Debts Be Forgiven if I File for Bankruptcy?
- Why Bankruptcy Might Not Be Your Best Option Even if You Qualify
- What is a ‘Cramdown’ in Bankruptcy, and How Can it Help?
- Bankruptcy Filers: What is the Automatic Stay?
- 6 Tips For Life After Bankruptcy
- What is the Difference Between Secured and Unsecured Debt?
- Sued by a Creditor or Debt Collector
- Keeping a Vehicle within a Chapter 7 Bankruptcy
- 341 Meeting of Creditors
- How Does a Bankruptcy Affect Inheritances?
- Refinancing in a time of need
- Disclosing Assets in a Bankruptcy
- Will COVID -19 Impact your Bankruptcy Case?
- Chapter 7 Bankruptcy
- Common Chapters of Bankruptcy
- "Should I File Bankruptcy?" 7 Tips to Help You Make the Decision
- A Brief Overview of Emergency Bankruptcy
- 4 Questions to Ask Yourself When Considering Bankruptcy
- A Fresh Start: The Advantages of Filing for Bankruptcy
- Bankruptcy 101: The Differences Between Chapter 7 and Chapter 13
- Understanding How Bankruptcy Factors Into a Divorce
- How Does Bankruptcy Affect My Ability to Successfully Get Approved for Loans?
- 4 Types of Debts that are NOT Discharged in Chapter 7 Bankruptcy
- 4 Instances Where an Individual Can File for Chapter 11 Bankruptcy
- Bankruptcy Basics: The Difference Between Liquidation & Reorganization
- Understanding the Dischargeability of Student Loans in Bankruptcy
- Four Steps to Prepare for Bankruptcy
- Financial Trouble? Chapter 7 Bankruptcy May Offer the Solution
- Chapter 13 Bankruptcy: Breaking Down the Basics
- What Bankruptcy Can Do for You...and What It Can't
- Chapter 13 Bankruptcy and impact on your Foreclosure
- Filing for Bankruptcy: What NOT to Do
- Are You Exempt from the Chapter 7 "Means Test"?
- Miami Bankruptcy: The Benefits of Chapter 7 Bankruptcy
- Bankruptcy Basics: Understanding Chapter 7 Bankruptcy
- Bankruptcy Basics: Should I Declare Bankruptcy?
- Seven Bankruptcy Mistakes to Avoid
- Miami Bankruptcy: Understanding Chapter 13 Bankruptcy
- Bankruptcy Basics: Four Ways to Begin Rebuilding Your Credit after Bankruptcy
- Filing for Bankruptcy: First Steps
- Miami Bankruptcy: Key Questions to Ask if You're Considering Bankruptcy, Part Two
- Miami Bankruptcy: Key Questions to Ask if You're Considering Bankruptcy, Part One
- Miami Bankruptcy Law: Chapter 7 versus Chapter 13
- Florida Bankruptcy: Understanding the Basics
- RULE 2004 EXAMINATION FLORIDA
- Lifting the Automatic Stay in Bankruptcy
- BANKRUPTCY MAY ASSIST IN FINANCIAL STRESS
- Bankruptcy
- Foreclosure Defense
- Understanding the Steps of the Florida Foreclosure Process
- Commercial Foreclosure FAQ
- Short Sale in Avoidance of Foreclosure
- Refinancing in a time of need
- Deed-in-Lieu of Foreclosure
- Will COVID -19 Impact your Bankruptcy Case?
- What is a Loan Modification?
- What to Expect at a Foreclosure Trial
- A Brief Overview of the Foreclosure Discovery Process
- Know Your Rights in the Foreclosure Process
- Understanding Florida’s Foreclosure Rescue Fraud Prevention Act (FFRFPA)
- Finding Another Way: 4 Alternatives to Foreclosure
- A Step-by-Step Guide to Florida Residential Foreclosures
- 5 Steps You Can Take to Avoid Foreclosure
- Florida Foreclosure Defense: Understand Your Options
- Five Reasons to Consider a Short Sale as an Alternative to Foreclosure
- Facing Eviction? Know Your Rights... Your Landlord Can't Just Throw You Out!
- Florida Real Estate Law: How the Short Sale Process Works
- Florida Real Estate Law: Understanding the Short Sale
- NON-FORECLOSURE SOLUTIONS TO THE FORECLOSURE CRISIS IN FLORIDA AND THE U.S., THE NUMBERS
- Bankruptcy Myths
- Foreclosure Problem Persists in Florida
- BANK OF AMERICA EMPLOYEES TOLD TO LIE
- Florida’s Emerging “Rocket Docket”
- Short Sales vs. Traditional Sales
- HOW LONG DOES THE LOAN MODIFICATION PROCESS GENERALLY TAKE
- BOTH BANKRUPTCY AND LOAN MODIFICATION IN FLORIDA
- Short Sale Misconceptions in Florida
- Foreclosure Lawsuits by Lender Now Employ an Order to Show Cause
- FHFA New Streamlined Modification Program
- Foreclosure Situation is Not Getting any Better
- SHORT SALES IN FLORIDA
- New Home Affordable Modification Program (HAMP) Guidelines and Qualification
- What can you expect after filing bankruptcy?
- ROBOSIGNERS! the What's of the mortgage industry
- FORECLOSURE FRAUD AND THE BILLION NATIONAL MORTGAGE SETTLEMENT
- Why Florida's Foreclosure Machine Is Slowing Down
- Bank of America Announces “Quicker” Short Sales
- Tips to Avoid Mortgage Modification Scams
- The Basics of the Home Affordable Refinance Program (HARP)
- PRINCIPLE REDUCTION ALTERNATIVE UNDER HAMP
- SECOND LIEN MODIFICATION PROGRAM UNDER HAMP
- Florida Short Sales and 1099's
- What to expect at a Florida Foreclosure Mediation
- Benefits of a Deed in Lieu with a Waiver of Deficiency in Florida
- ROBO SIGNED DOCUMENTS, WILL IT MAKE IT'S IMPACT IN FLORIDA?
- OPTIONS WHEN IN FORECLOSURE IN MIAMI, FLORIDA
- How a Loan Modification May Benefit YOU!
- The Simple Basics of a Chapter 7 Bankruptcy in Florida
- Good News in Florida Loan Modifications for Homeowners serviced by Ocwen Financial Corp.
- Seven Hardship Situations Lenders Consider Valid
- Cash for Keys
- Motion for Summary Judgment in a Florida Foreclosure
- RENTERS AND FORECLOSURE
- Loan Modification v. Bankruptcy in Florida
- HOMEOWNER AFFORDABLE MODIFICATION PROGRAM
- Home Affordable Unemployment Program
- Banks Produce the Note
- THE IMPORTANCE OF SUBMITTING A COMPLETE FINANCIAL PACKAGE WHEN APPLYING FOR A LOAN MODIFICATION
- LOAN MODIFICATION IMPROVEMENTS
- Florida Loan Modification Tips #1
- Florida Bankruptcy Attorney
- Bank of America's Earned Principal Forgiveness Program
- MEDIATION MANDATED IN MIAMI DADE COUNTY, FLORIDA
- HAFA Program
- Foreclosure Defense Attorney Florida
- Unable to Pay For Your Home, Well in Florida You Have Rights
- Miami Foreclosure Attorney
- Florida Foreclosure Defense
- Property Tax Appeals
- HSBC Loses at Summary Judgment In Broward County, Florida
- How Banks Are Worsening the Foreclosure Crisis
- Business
- Seven Risks to Your Startup Company and How to Avoid Them
- Federal Trade Commission Approves Rule to Ban Non-Compete Clauses
- Can an Owner Sue a Business They Own?
- 4 Advantages of Forming an LLC
- Common Reasons for Wrongful Termination Suits in Florida
- What You Need to Include in Your Business Succession Plan
- Should Your Employees or Business Partners Sign a Non-Disclosure Agreement?
- What Do Business Owners Often Miss When Starting Their Company?
- 4 Common Causes of Business Partnership Disputes
- What Must a Corporate Name Include?
- What are Florida Articles of Incorporation?
- Divorce
- Truth in Lending
- 4 Reasons Why Attorneys Can Be Your Biggest Allies if You are Getting Your Loan Modified
- 5 Tips on How to Get Your Mortgage Loan Modified
- A Brief Introduction to the Truth in Lending Act
- Don’t Lose Your Home! Fannie Mae & Freddie Mac Introduce Flex Loan Modification Program
- Refinancing With HARP Before Its Expiration
- Financing Your Home: Understanding The Various Types of Mortgages
- Mortgage Math: How Your Debt-to-Income Ratio Affects Your Financing
- Four Tips for a Successful Loan Modification
- Can A Loan Modification Help Me?
- Busting the Myths: Five Short Sale Myths Exposed
- Loan Modification: Five Tips to Increase Your Chances of Success
- Uncategorized
- What Role Does the Freedom of Contract Play in Florida Business Litigation?
- Parenting Plans for Children With Special Needs
- Is Joint Ownership An Effective Means Of Avoiding Probate?
- Legal Challenges Arising from PACE Funding
- Introducing Attorney Jose Novo: A Key Addition to Our Team
- Loan Modification for Self-Employed Individuals
- Common Title Issues & How To Resolve Them
- Can Online Reviews Result in a Defamation Lawsuit?
- Who Owns Intellectual Property on a Team?
- Six Must-Haves in a Shareholder or LLC Agreement
- How a Federal Ban on Non-Compete Clauses Would Impact Florida Businesses
- Biggest Mistakes to Avoid When Purchasing Real Estate
- How to Avoid Probate
- Trade Secret Litigation: Protecting Confidential Business Information
- Navigating Child Support: Guidelines, Modifications, and Enforcement
- Is Your Mortgage Underwater? You Have Options
- You Can’t Afford to Wait to Establish Paternity
- Dispelling Four Myths of the Probate Process for Your Estate
- New Florida Law Makes Significant Changes to the Insurance Claims Process
- Your Corporation Needs a Bulletproof Operating Agreement
- It’s Time to Close the Loopholes in Your Business Contracts
- Talk to Your Young Adult Children About These Documents
- My Business is About to be Sued. What Do I Need to Do Next?
- When Does Property Damage Warrant a Claim?
- Waiting to Incorporate Could Expose You to Significant Liability
- What Your Florida Property Damage Claim Will Look Like
- Traits to Look for in a Guardian for Your Minor Children
- Key Differences Between Residential and Commercial Leases
- Is Your Intellectual Property Being Infringed Upon “Invisibly"?
- Managing Holiday Stress as a Recently-Divorced Parent
- End of Year Estate Planning Goals
- Rising Interest Rates Aren’t What You Think
- Back to School Considerations for Co-parents
- What Does the Probate Process Look Like?
- What Are the Responsibilities of a Financial Power of Attorney?
- What Happens to Abandoned Property After Eviction in Florida?
- What Options Do I Have After Foreclosure in Florida?
- It’s Not Too Late to Recover Your Condominium Deposit
- Why a Loan Modification Could Be Right for You
- Don’t Get Scared Away by a “Buyer’s Market” or “Seller’s Market”
- How Your Age Impacts Your Estate Plan
- What is a Quiet Title Action?
- Are You Owed a Foreclosure Surplus Refund?
- How A Property Title Search Could Impact Real Estate Closings
- What the Right Probate Attorney Can Do For You
- How Does Child Support Work in Florida?
- The Different Types of Child Custody in Florida
- 4 Ways Divorced Parents Can Improve Their Communication
- Mortgage Modifications Can be Helpful, but Not Every Homeowner Qualifies
- The Importance of Foreclosure Discovery for Florida Homeowners
- An Annulment is NOT the Same Things As a Divorce
- Transferring Property Outside of Probate in Florida
- Ray Garcia, Esq. Recognized as Florida Legal Elite
- Will I Have to Pay Alimony Forever in Florida?
- Does Adultery Matter in a Florida Divorce?
- Bankruptcy Filers: What is the Automatic Stay?
- Should You Put Your Home in a Living Trust?
- What is a Simplified Dissolution of Marriage in Florida?
- Why Establishing Paternity is Worth the Trouble
- Legal vs. Physical Custody in Florida
- Emergency Temporary Custody in Florida
- What Can a Civil Law Notary Do?
- What Must a Corporate Name Include?
- Probate: Summary Administration vs. Formal Administration in Florida
- 4 Tips for Making an Offer on a House
- Are your property taxes too high?
- Overview of Irrevocable Trusts in Florida
- How to Prepare for Hurricane Season
- How to Make Changes to a Will: Codicils and Your Will
- Florida Limited Liability Company and Rental Properties
- What is a Summary Administration Probate in Florida?
- 341 Meeting of Creditors
- 4 Common Commercial Lease Disputes (and How to Avoid Them)
- Top Essential Estate Planning Tasks to Consider When Having a New Baby
- Divorce and Florida Estate Plans: What should you know?
- 4 Essential Documents You Need in Your Estate Plan
- Understanding a Business Succession Plan
- Landlords: 4 Tips to Ensure Compliance with the Fair Housing Act
- Debt Defense in Florida
- Bankruptcy Exemptions in General
- Do you need an Estate Plan?
- Recent COVID-19 Impact on Bankruptcy Matters
- Florida Law’s Revisions Concerning your Designation of Health Care Surrogate.
- Understanding the Real Estate Purchase Contract
- Documents home buyers should expect at closing of real estate property
- What is a Designation of a Health Care Surrogate?
- Covid-19, E-Notaries and What It Means for your Real Estate Closing
- Routine Checkups to your Estate Planning
- Estate Planning – Differences between Wills and Trusts:
- Appealing Your Property Tax: What You Need to Know About Value Adjustment Boards
- 5 Tips for Making Divorce Easier on your Children
- How Does Florida Handle Property Division In a Divorce?
- 3 Things Landlords Can Do to Reduce Evictions
- A Brief Overview of Quitclaim Deeds
- 3 Reasons Why a Divorce Might Become Contested
- Explaining the Warranty Deed
- Common Chapters of Bankruptcy
- Understanding Setbacks
- Florida Real Estate Law: The 1031 Exchange Process, Explained
- 5 Ways a Landlord Should Ensure Habitability of a Living Space
- 5 Common Shareholder Disputes
- 4 Steps to Take in Order to Amend Lot Lines
- "Should I File Bankruptcy?" 7 Tips to Help You Make the Decision
- What to Expect at a Foreclosure Trial
- Non-Use Variance Explained
- A Brief Overview of the Zoning Analysis
- Buying Your First House? Understand Your Mortgage Options
- Zoning Law 101: How to Obtain a Zoning Variance
- 4 Benefits of Having an Attorney Help You Close a Real Estate Sale
- 3 Factors Courts Consider When Calculating Alimony Payments
- A Brief Overview of the Foreclosure Discovery Process
- A Brief Overview of Emergency Bankruptcy
- Understanding Motions of Contempt
- Understanding the Difference Between Surety and Fidelity Bonds
- 4 Things Florida Courts Consider as Part of the Child's Best Interests
- 3 Scenarios Where a Modification Might Be Necessary
- "I’m Underwater on My Mortgage. What Are My Options?"
- 6 Tips for Managing Divorce Stress
- 4 Questions to Ask Yourself When Considering Bankruptcy
- What You Need to Know About Florida’s Relocation Laws
- Landlord Law: Your Options if Your Tenant Stops Paying
- 5 Benefits of Having a Prenuptial Agreement
- A Fresh Start: The Advantages of Filing for Bankruptcy
- Mediation vs. Litigation: Which Path Is Right for You?
- Understanding Florida’s Custody Laws
- 5 Questions to Ask Yourself Before Moving Forward with Divorce
- A Step-by-Step Guide to the Eviction Process
- 4 Tips for Traveling with Kids This Summer
- How Long Do I Have to Pay Alimony For?
- Understanding the TRIM Notice
- What to Expect in the Closing Process
- How to Co-Parent More Effectively
- 5 Red Flags Your Child is Not Handling Your Divorce Well
- How You Can Pull Yourself Back from the Brink of Bankruptcy
- 5 Options to Help You Avoid Foreclosure
- How to Financially Prepare Yourself for Divorce
- Landlords: How NOT to Evict a Tenant in Florida
- Self-Centering: The Best Ways to Move on More Easily From Your Divorce
- Contested vs. Uncontested Divorce in Florida
- The 5 Possible Alternatives to Foreclosure
- An Overview of Mechanic’s Liens
- Do You Know the Main Differences Between Contested and Uncontested Divorces in Florida?
- 4 Tips for Creating a Great Parenting Plan
- How is Paternity Established in Florida?
- Hurricane and Homeowner’s Insurance Bad Faith Claims
- The Notice of Claim: Understanding Florida Chapter 558 Claims
- A Brief Guide to the Interstate Land Sales Full Disclosure Act (ILSFDA)
- Mediation vs. Arbitration in Construction Disputes
- Attorney Expert Witness Services in Real Estate Transaction Litigation Matters
- 4 Common Examples of Intellectual Property Disputes for Which You Need an Attorney
- Florida Construction Law: 5 Common Causes of Defect Claims
- A Brief Introduction to Directors and Officers (D&O) Liability Insurance
- Understanding the Difference Between Surety and Fiduciary Bonds
- Florida Condo Law: An Introduction to the Interstate Land Sales Full Disclosure Act
- Understanding “Bad Faith” Claims
- 5 Benefits of General Counsel Services for Construction Companies
- How to Negotiate with the Bank on a Construction Project
- Buying a Home: Avoid These 5 Common Mistakes in the Closing Process
- How to Protect Your Construction Company from Legal Disputes
- A Brief Introduction to Florida TRIM Notices
- Understanding Florida Landlord Security Deposit Obligations
- 5 Common Mistakes Every Renter MUST Avoid
- What to Do When Your Tenant Damages the Property
- 3 Potential Ways to Terminate a Florida Pre-Construction Contract
- Real Estate Law: Understanding the Appraisal
- 5 Ways an Attorney Can Help You Buy a Home
- Construction Contract Necessities
- Short Sale Buying v. Non Short Sale Buying
- Florida Probate Lawyer
- 6 Factors That May Prevent You From Closing on Your Dream Home, Part II
- 6 Factors That May Prevent You From Closing on Your Dream Home, Part I
- Restaurant Law in Florida
- Difference Between a Florida Civil Law Notary and a Notary Public
- Florida Landlord Rights When a Tenant Refuses to Pay
- Understanding Title Insurance
- Renters: Protect Your Security Deposit
- 3 Things To Consider Before Refinancing Your Mortgage
- Five Issues to Consider Before Selling Your Home via Short Sale
- Buying Your First Home? Four Tips for a Smooth Closing Day
- Four Steps to Prepare for Bankruptcy
- Miami Real Estate: How HAMP Can Help
- HAMP Basic Eligibility Requirements and How To Apply
- Loan Modifications under HAMP Tier 2
- Loan Modifications under HAMP Tier 1
- Real Estate Closings HAFA Relocation
- Real Estate Closings In Fisher Island, Florida
- Four Mistakes to Avoid While Selling Your Home
- Buying or Selling a Home? Four Tips for a Smooth Closing
- Selling Your Home Via Short Sale? Four Mistakes to Avoid
- Florida Probate & Guardianship Process
- When It Comes to Real Estate, the Details Count: Three Costly Closing Mistakes to Avoid
- Florida Construction Defect Claims and Defense
- Florida Construction Loan Foreclosure
- Lorem ipsum, lorem ipsum. Lorem ipsum, lorem ipsum. Lorem ipsum, lorem ipsum.
- Facing Foreclosure: Understanding the Basics
- Facing Foreclosure: What Are Your Options?
- Florida Deed in Lieu of Foreclosure
- Florida Foreclosure Defense
- New York Times Quotes Ray Garcia
- .4 Million Dollar Jury Verdict In Las Vegas For Wrongful Foreclosure
- Florida Fair Lending Act
- Condo Deposit Recovery
- Hello world!
- News
- Attorney Profiles
- Bankruptcy
- Blog
- Commercial Litigation
- Construction Defects
- Construction Law
- Contact Us
- Disclaimer
- Estate Planning
- Family Law
- Foreclosure Defense: Foreclosure Discovery Process
- Foreclosure Defense: Foreclosure Litigation
- Foreclosure Defense: Foreclosure Sale
- Foreclosure Defense: Foreclosure Summary Judgment
- Foreclosure Defense: Foreclosure Trial
- Foreclosure Defense: Issuance of Title
- Foreclosure Defense: Pre Foreclosure
- Free Resource
- Free Resource Download
- Homeowner’s Insurance Disputes
- Insurance Defense
- Jose Novo, Attorney
- Landlord Tenant
- Leave a Review
- Lissette A. Martinez, Of Counsel
- Loan Modification
- Nataline Garcia, Attorney
- News
- Newsletter
- Practice Areas
- Privacy Policy
- Probate
- Property Damage Claims
- Ray Garcia, Founding Attorney
- Real Estate
- Referral VIP
- Sitemap
- Testimonials
- Thank You for Contacting Us
- Thank You For Your Interest
- Video
