Foreclosure

FHFA ANNOUNCES NEW STREAMLINED MODIFICATION PROGRAM INITIATIVE

In a push to simplify mortgage modifications and assist homeowners that could not previously qualify under the traditional modification and Making Home Affordable Program, the FHFA (Federal Housing Finance Agency) announced...

Learn More
WHO IS ENTITLED TO THE SURPLUS AFTER A FORECLOSURE SALE?

In a recent Third District Court of Appeal case, the higher court rules that a Miami-Dade couple was entitled to a $99,500.00 surplus that was left over after the foreclosure...

Learn More
DYCK O’NEAL LAWSUITS ON THE RISE

SOUTH FLORIDA DEBT SETTLEMENT ATTORNEYS PROTECTING YOUR INTERESTS WITH DYCK O’NEAL Recent months have experienced an avalanche of Dyck O’Neal suits.  Whether for deficiency balances after short sales or...

Learn More
DEFICIENCY JUDGMENT LIMITATION PERIOD

Recent, significant changes in Florida’s Foreclosure law have shortened the time period in which a lender can collect a deficiency, or balance after a mortgage foreclosure or short...

Learn More
Defending Your Home: A Comprehensive Guide to Foreclosure Defense Strategies

Foreclosures are once again on the rise. According to a report from Bloomberg, the nationwide mortgage foreclosure rate jumped 22% in the first quarter of 2023. Notably, South Florida...

Learn More
CHANGES IN FHA MORTGAGE RELIEF SHOULD ALLOW MORE BORROWERS TO SAVE THEIR HOMES

Recent changes in the handling of FHA loans under the Making Homes Affordable Program  under the Home Affordable Modification Program, has now made it significantly easier for underwater homeowners with FHA loans to...

Learn More
AVOIDING BANKRUPTCY BY SHORT SALE

Underwater borrowers these days have many options… and bankruptcy does not have to be one of them.  Often time, a borrower comes into my office, has stopped paying...

Learn More
ARE YOU BEING SUED BY DYCK O’NEAL?

SOUTH FLORIDA DEBT SETTLEMENT ATTORNEYS PROTECTING YOUR INTERESTS WITH DYCK O’NEAL Unlike many states, in Florida if you are sued for a deficiency balance (the difference between what your...

Learn More
HOW TO ANSWER A FORECLOSURE COMPLAINT LAWSUIT

When served with a foreclosure lawsuit, a defendant has 20 calendar days to file their answer with the court and the bank’s attorney.  The 20 day time period starts the...

Learn More
ADDITIONAL FORECLOSURE PROTECTION EXPECTED FOR CONSUMERS BY CFPB

In an announcement Thursday afternoon, the Consumer Financial Protection Bureau said it will engage in additional foreclosure protection to consumers. The announcement comes on the heals of a recorded $16...

Learn More
INDEPENDENT FORECLOSURE REVIEW AND FORECLOSURE SETTLEMENT CHECKS OFFER LITTLE RELIEF TO AILING BORROWERS

As the third round of foreclosure review checks went out Friday, my office is inundated with calls as to what these checks represent, and more importantly, will depositing...

Learn More
JANUARY FORECLOSURE ACTIVITY MAKES FLORIDA NO. 1 IN NATION

According to The Miami Herald, “Florida claimed first place in the nation in foreclosure activity in January – eclipsing much larger California, according to data in RealtyTrac”  – The...

Learn More
LEGAL STANDING IN FORECLOSURE UNDER A LOST NOTE

DO BANK’S HAVE STANDING TO BRING SUIT WHEN THEY HAVE LOST THE NOTE OR WERE NEVER IN POSSESSION OF IT TO BEGIN WITH? The recent ruling under Creadon v....

Learn More
MIAMI FORECLOSURE LAWYER – DEFENDING AGAINST THE BANK AFTER A HURRICANE

SOUTH FLORIDA FORECLOSURE LAWYER While living in Miami and South Florida is a dream to many,  after a hurricane hits, the damage to your home and property can be crippling. ...

Learn More
Short Sale to Avoid a Deficiency Judgment

Many homeowners, and realtors alike (offering short sale advice to their clients), are unaware that a short sale on a primary residence in Florida, will result in a complete forgiveness of debt...

Learn More
MORTGAGE PRINCIPAL REDUCTION UNDER NEW PROGRAM

MIAMI DADE LOAN MODIFICATION AND FORECLOSURE ATTORNEYS The Federal Housing Finance Agency (FHFA) announced last week a new program to significantly reduce and forgive mortgage principal balance for delinquent...

Learn More
NECESITA DEJAR SU VIVIENDA?

Si Usted a tenida problemas de trabajo, de salud, de matrimonio o cualquier otra dificultad que ha hecho perjudicar los pagos hipotecarios, y esta buscando una manera para...

Learn More
NEW LINE OF DEFENSE FOR DYCK O’NEAL LAWSUITS

SOUTH FLORIDA DEBT SETTLEMENT LAWYERS DYCK O’NEAL LAWSUITS FOR FORECLOSURE MORTGAGE DEFICIENCY BALANCES DEBT SETTLEMENT ATTORNEYS Dyck O’Neal continues on the prowl for South Florida debtors.  Not only is a privately...

Learn More
THE NEW STREAMLINED SHORT SALE – HUD ANNOUNCES NEW SHORT SALE REQUIREMENTS

Effective October 1, 2013, HUD announced new and favorable changes to their FHA short sale requirements for homeowners seeking to short sale their homes. This new Streamlined Short Sale, may...

Learn More
HOW TO STOP A FORECLOSURE AND AVOID A BANKRUPTCY

You have stopped paying your mortgage, have been served  with a foreclosure complaint, Lis Pendens, and don’t know what to do. Although filing an Answer pro se (representing yourself...

Learn More