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Post-Foreclosure| Deficiency Payments Running Amok

Written By: Louie Talacay

blick-law-firm, tampa-law-firm copyNausea, sleep-deprivation, stress, anxiety, hypertension, headache and depression: one might believe that someone suffering from these conditions is severely ill, but these are actually symptoms of an unexpected deficiency payment.

The deficiency sneaks up on them like a phantom from the past. It stalks the borrower years after they have forgotten about their abandoned home and strikes only after they’ve seemingly gotten back on the road to financial stability.

It’s a vicious cycle that never seems to end. Borrowers struggling to recover from financial distress stand up only to be knocked down again. They endure a terrifying maelstrom, seeing the break in the clouds only to realize that they are just in the eye of the storm.

Many larger lenders are now seeking deficiency payments from foreclosed borrowers. What was once an uncommon practice now seems to be commonplace, especially with the federal lending giant Fannie Mae. The surge of deficiency suits have grown exponentially like bacteria festering when times are opportune. Regulations in some states have limited the timeframe in which banks can seek deficiencies. The resultant has been the creation of debt collection factories that mimic the expansive foreclosure mills which steamrolled homeowners out of their homes and livelihoods.

Well hold your horses Fannie Mae! Borrowers are wising up and seeking counsel. They are being meticulous and weighing their options. They won’t be taken advantage of any longer. For borrowers that have been unscrupulously served a deficiency payment the following options are available:

1. Seek out a lawyer for general counsel and advice

2. Hire a lawyer to negotiate a settlement and take care of that debt once and for all

3. Take the lender or the debt collector to court for unfair and unjust practices

4. Bang the gavel and say sayonara to any deficiencies by filing for bankruptcy

Be aware of your options and don’t be victimized again. Seek counsel with an attorney that is familiar with debt collection practices at our office today and get a free consultation with an Tampa Bay attorney over 25 years!

Related Articles: http://www.reuters.com/article/2014/10/14/us-usa-housing-foreclosures-insight-idUSKCN0I30BU20141014call

Posted in Bankruptcy, Blog, Foreclosure Defense, Real Estate | Leave a comment

Criminal Defense| Traffic Tickets| Blog

Written By: Louie Talacay

CRIMINAL DEFENSE ATTORNEY, TRAFFIC TICKETS, BLOG, ABC ACTION NEWS, BLICK LAW FIRM, PERSONAL INJURY ATTORNEY IN TAMPA.Its 5 p.m. and everyone is rushing to get home. Traffic is chaotic and you are at one of the busiest intersections in the Tampa Bay area. To make things worse, you are straggling behind a bus and side-by-side traffic prevents you from moving over to another lane. The bus stops to let out some passengers; again, you are forced to wait for the hordes of people exiting the public commuter. This time, however, you realize that you are in the middle of the road and have unintentionally gridlocked the intersection. You sit uneasy, waiting for the bus to start moving again and free you from your awkward disposition. Like showers that have been cued to rain, when someone says “things could be worse”, the intersection lights begin to phase between colors. First the green light changes to yellow and all too sudden yellow becomes red. From the background a bright light illuminates the scene like lightening striking. Say hello, because you are on candid camera.

The red light camera has been one of the most controversial pieces of equipment used by traffic enforcers. Despite a multitude of complaints and issues, advocators cite the incidence of reduced fatalities at major intersections where cameras have been incorporated and frequently appeal to people’s emotions. As a result, many people have been issued an unfair traffic ticket citations for being in an unfortunate circumstance.

Traffic citations can be extremely stressful. For people who are living paycheck to paycheck the fee for a ticket can be a huge setback forcing them to decide between paying the bills or the ticket. In addition to the initial ticket cost, people are forced to go to traffic school to avoid receiving penalties on their license which is another incurred cost depleting both time and money. Regardless of doing these things, the insurance company may still choose to raise their premium forcing them to suffer through the residual outcome of their messy situation.

Taking your traffic ticket to court could save you the hassle of going through these steps. Winning your case could mean no ticket payment, no traffic school, and no increased insurance premiums. Best of all, your traffic violations could be expunged from your records and there is no history of offenses.

Check out recent news on ABC Action News to find out more information on the subject

There is no guarantee that you will win your case. It is important to have a Criminal Defense lawyer who is aware of the minutiae of traffic law to guide you and give you the best advantage. Some cases allow you to plea for a settlement that reduces the costs and penalties associated with traffic tickets. These matters are best discussed with a traffic court attorney. To schedule a consultation with an attorney, in good-standing with the bar, Think quick, Call Blick! call

Posted in Blick Buzz, Blog, Criminal Law, Personal Injury | Leave a comment

Real Estate| Short Sale| The Beast with Multiple Humps

Short Sale SignWritten By Louie B. Talacay

Imagine having a nightmare in which you encounter a monster. The monster breathes fire, is on a rampage, and has a thick, impenetrable hide. Worst of all, the only weapon you have are your hands your wits and your will to survive.

Unfortunately for some homeowners under water, this nightmare is very much real. The monster is their situation, the rampage is the preeminent foreclosure, and the impenetrable hide is the blockade between them and financial recovery.

Luckily for them, the option to short sale is available; Government backed programs such as HAFA allows these homeowners to sell their homes for less than what is owed on their mortgage. Participants of the HAFA program can sell their homes and walk away free and clear with a guarantee that the deficiency will be waived by the lender. Best of all, a credit (up to $3000) is often given to the seller for relocation assistance. Of course, homeowner’s must meet certain eligibility guidelines in order to participate in HAFA. To see if you meet these guidelines reference the “Making Homes Affordable” website –Link found below.


Appealing as it may sound; most homeowners who go through this process will find that short selling is another beast of its own. Even with the help of the most experienced realtors, sellers encounter many difficulties navigating through the entire process. The problem stems from the uniqueness of each transaction. Lenders require different documentation and every situation is different. The best way to handle this challenge is to be equipped with a knowledgeable team of short sale experts. Shop around for a negotiator, typically an attorney, who is familiar with every servicer. Blick Law Firm specializes in short sales and captures the negotiation fees from the lender. They’ve closed on a myriad of short sale files and are familiar with every loan servicer. They can get the job done. Schedule your free consultation with Blick Law Firm experts today, Call 888-call973-2776!

Posted in Blog, Real Estate | Leave a comment

Personal Injury Cases| Match the Following Suits| PI Interactive Module

Written By: Louie Talacay

Accidents resulting in personal injury can be a traumatizing and stressful experience. Often times, the offender is reluctant to accept blame and immediate action and treatment may be delayed as a result. In times such as these, it is important to have an experienced and professional team to guide you through the process of handling your claim as a united front. The following is a list of common personal injury cases along with a few scenarios –can you match up the scenarios with their respective case type??

HIT-AND-RUN, LAW-ENFORCEMENT, CAR-ACCIDENT-LAWYER, CAR-ACCIDENT-ARTICLES, BLICK-LAW-FIRM.3A. Automobile Accidents |B. Motorcycle Accidents | C. Slip and Falls| D. Premises Liability|E. Dog Bite| F. Marine & Boating Accidents| G. Wrongful Deaths| H. Medical Malpractice

__ Scenario A:

A car runs a red light on a turning lane and sidelines a motorcyclist turning right at the intersection. Fortunately for the motorcyclist, they are able to act quickly and bail from the motorcycle sustaining only a broken arm and some road rash, but their bike is wrecked in the ensuing crash. As is common, the motorcyclist does not carry insurance for his vehicle.

__ Scenario B:

The summer rain season is in full swing and every day after 4pm a downpour occurs. Heather, a mom, is picking up her daughter from gymnastics. The front lobby is slippery from previous persons walking in and out of the building and no sign is put in place to make people aware of the danger. Heather slips as she goes to the counter to sign her daughter out. The fall causes Heather to land on her tailbone and break her lower lumbar.

__Scenario C:

A pharmacist misreads the prescription drug Celebrex (used to treat arthritis) for Celexa an antidepressant. The antidepressant causes severe manic depression for the patient and three days after being prescribed the medication, the patient dies of an apparent suicide.

Scenario A is a Motorcycle claim. The uninsured motorcyclist may be able to recover for motorcycle damage and injuries sustained from the car that ran the red light.

Scenario B is a combination of a slip and fall as well as a premise liability case. The company may be held liable for not making persons aware of a slippery/wet floor.

Scenario C is also a combination of two types of PI cases. It is not only a wrongful death case but could be encapsulated within a medical malpractice case. The pharmacist that dispensed the wrong medication could be held culpable for the wrongful death.

Think you have a case? Go online and schedule a consultation with an attorney from our office today!call

Posted in Blog, DUI, Motorcycle Tips and Tricks, Personal Injury | Leave a comment

Automobile and Motorcycle Safety

safety-tips, injuries-from-car-accidents, dog-safety, whiplash-injuryEach year, automobile and motorcycle accidents are a major cause of fatalities nationwide. As a result, it is important to employ all necessary safety measures available to avoid or reduce the risk of serious injury while operating an automobile or motorcycle.


Studies indicate that the use of a safety belt greatly reduces the chance of harm or serious injury when involved in an auto accident, especially when an automobile operator is thrown from the vehicle as a result of impact. In an effort to combat this risk and encourage the use of safety belts, Florida has mandatory safety belt requirements. In Florida:

  • Seat belt laws apply to all cars, pickup trucks, and vans operated on Florida roads.
  • All passengers in the front seat must wear a seat belt.
  • All passengers under 18 must wear a seat belt.

Florida also has mandatory child restraint laws that hold drivers responsible for buckling up children. Specifically, Florida law requires that children 3 years old and younger must be secured in a federally approved child-restraint seat; and children 4 through 5 years old must be secured by either a federally approved child restraint seat or safety belt.

Motorcyclists have even more safety concerns as motorcycle accidents tend to involve more serious injuries and incur a higher rate of fatalities. Additionally, with the rising costs of health care, insurance companies have begun to include exclusion clauses to insurance policies that can deny coverage for risky behavior such as motorcycling. While Florida law does not require the use of motorcycle helmets, research conducted by the National Highway Traffic Safety Administration indicates that motorcyclists without a helmet are three times more likely to suffer brain injuries, and that helmets reduce the risk of death by nearly 30 percent when involved in a motorcycle accident.

If you or a loved have been injured in an accident and you have questions or concerns about your rights to recovery, call Blick Law Firm today at (888) 973-2776. Schedule a free 15-minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!call



Posted in Blog, Motorcycle Tips and Tricks, Personal Injury | Leave a comment

Ray Rice | Domestic Violence | Criminal Defense

CRIMINAL DEFENSE ATTORNEY, RAY RICE, NFL FOOTBALL, BALTIMORE RAVENS, DOMESTIC VIOLENC.1According to CNBC, The Baltimore Ravens recently cut ties with football player Ray Rice. Rice was recently caught in a domestic violence assault towards his fiancé. The video was shot in February and recently surfaced that running back for the Baltimore Ravens, punched Janay Palmer, now wife, in the face in an elevator of the Revel casino in New Jersey. After Palmer appeared to be knocked out from consciousness from the blow, Rice was revealed on the video dragging her limp body out of the elevator.

Months later, he was indicted by an Atlantic County jury on one count of aggravated assault; pleading not guilty. After such time he agreed to enter a pre-trial intervention program upon the completion of which the criminal charges would be dropped. Rice at the time of the conviction initially received a two-game suspension by the NFL league that was just modified to an indefinite ban since the release of the graphic video tape. Baltimore Ravens completely severed ties with former running back.

Domestic violence is a serious offense and one facing such criminal charges should seek representation from an experienced Criminal Defense attorney as such consequences may be severe.CRIMINAL DEFENSE ATTORNEY, RAY RICE, NFL FOOTBALL, BALTIMORE RAVENS, DOMESTIC VIOLENC

In this circumstance the spot light that the former running back received propelled the football team to remove such offenses and negative attention from the team – as domestic violence against women is a serious matter.

If you know anyone that is being assaulted or abused it is important to report such matters to the proper authority and help to stop domestic violence.


A Criminal Defense Attorney can provide you with legal counsel, and advise you in regards to your rights. An experienced lawyer can also advise you in the actions and procedures that need to take place going forward. If you have been arrested for any criminal actions, call Blick Law Firm today for a free 15-minute consultation. Think Quick, Call Blick!call

Posted in Blog, Criminal Law | Leave a comment