Tag Archives: christian attorney

Ventas cortas vs Ejecución Hipotecaria

Posted on May 10, 2013 by Blick Law

Los propietarios están a menudo inseguros de las opciones que están disponibles cuando se alcanzan las dificultades financieras y se enfrentan a una ejecución hipotecaria. Una venta corta puede ser una herramienta útil cuando se trata de aliviar la carga de una inminente ejecución hipotecaria.

Una venta corta es un acuerdo entre el banco y el deudor  de vender la propiedad por un monto menor que el saldo adeudado para relevar el deudor de la obligación de hipoteca. Dependiendo de la cantidad negociada de la venta y la puntualidad de los últimos pagos de la hipoteca, una venta corta puede ayudar a evitar el enorme golpe a su puntuación de crédito que causa la ejecución hipotecaria. Además, los participantes de la venta corta más tarde pueden comprar una casa en menos tiempo que  a los que ejecutan la hipoteca de sus bienes.

Una venta corta puede ser completada al encontrar a un comprador para comprar la casa que esté dispuesto a pagar el valor actual del mercado y también al proveedor de hipotecas estar acuerdo a la venta. Ya después que la venta tomo lugar, si hubo una cantidad que no fue perdonada después de la venta el banco tiene la opción de perdonar la deuda o de enviar la planilla 1099 al vendedor, o la deficiencia también pudiera continuar en contra del vendedor si no fue perdonada.

El proceso de venta corta puede ser complicado, y el banco puede no estar dispuesto a negociar. Es importante saber que un abogado de bienes raíces puede ayudar a negociar la venta y términos con el banco de la hipoteca y proporcionarle la tranquilidad que su venta está siendo manejado por un profesional responsable.

Si usted tiene preguntas legales sobre su venta corta o está considerando sus opciones, llame al bufete de Blick al (813) 931-0840 para programar una consulta gratis de 15 minutos con el abogado Michael Blickensderfer .

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What an Immigration Attorney can do for you?

Posted on April 25, 2013 by Blick Law

What an Immigration Attorney can do for you?

  •  Complete the necessary immigration forms properly
  • Understand and explain the complexity involved in United States Immigration matters
  • Ensure compliance with strict immigration regulations
  • Give you the peace of mind that your immigration matter is being handled by a professional

If you or a loved one is in need of immigration services, or if you live or work in the United States before you have been granted the proper legal authorization, you may face deportation and should seek legal assistance to protect your rights.

We are dedicated to helping the hurting. We help our clients to fulfill their immigration objectives and obtain the legal authorization to live or work in the United States.

AVOID DEPORTATION
Apply for deferred action for Childhood Arrivals (D.A.C.A.) Today!

You can qualify for D.A.C.A. if you: arrived to the United States before turning 16 years old; you were under the age of 31 as of June 15, 2012; you are currently in school; or, you have been living in the U.S. for the last 5 years.

Que puede hacer un abogado de immigración para usted?

  • Completar los formularios de immigración necesarios correctamente
  • Entender y explicar la complejidad involucrada en asuntos de immigración de los Estados Unidos
  • Garantizar el cumplimiento de las normas estrictas de immigracion
  • Darle la tranquilidad de que su asunto de immigración, está siendo manejado por un profesional

Si usted o un ser querido necesita los servicios de immigracion, o si vive o trabaja en los Estados Unidos antes de que usted se le haya otorgado la autorización legal correspondiente , puede enfrentar la deportación y debe buscar ayuda legal para proteger sus derechos.

Somos un bufete dedicado a ayudar al herido. Ayudamos a nuestros clientes para cumplir con sus objetivos  de immigración y obtener la autorización legal para vivir o trabajar en los Estados Unidos.

Evite La Deportacion
Aplique para accion deferida de llegada de menores!

Tu puedes calificar para el D.A.C.A si llegaste a los Estados Unidos antes de cumplir los 16 años de edad, y eres menor de 31 años; a partir del 15 de Junio del 2012; si usted está actualmente en la escuela; o ha estado viviendo en los Estados Unidos durante los últimos cinco años.

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Foreclosure Defense Tampa

Posted on April 22, 2013 by Blick Law

Foreclosure is the process by which a lender attempts to recover the unpaid balance of a loan after the borrower discontinues payments. Foreclosure allows the lender to force a sale of the home in order to satisfy the remaining balance of the loan.

In Florida, if you have received a foreclosure summons complaint, you have 20 days to answer in order to avoid a default judgment being issued against you. Once your home is threatened by foreclosure, it is important to seek legal advice and explore what options may be available.

It is important to seek legal advice from an experienced foreclosure attorney prior to filing an appropriate answer to a foreclosure summons. The answer to a foreclosure summons can be the difference between quickly losing your home to a default judgment or maintaining and keeping your home for an extended period.

If your property becomes subject to foreclosure, here are some potential remedies to discuss with an experienced attorney:

  • Reinstatement – To avoid the completion of the foreclosure process, you may be able to reinstate the loan by making payments on the past due amount. Generally, the lender will be cooperative if you bring your account up to date, or demonstrate that you now have the means to catch up on the past due payments.
  • Mortgage Modification – The lender may be willing to modify the terms of the mortgage. Modification of the agreement may involve adding payments to the end of the mortgage and simply extend the term of the loan. Modification of the mortgage agreement may also be made by reducing the interest rate of the original Mortgage Agreement, and it could include partial forgiveness of the amount of money you owe.
  • Forbearance Plan – As a borrower you may be able to file a forbearance plan with your mortgage provider. Under this arrangement, the lender will agree not to pursue the foreclosure action; but, the lender will likely require proof of adequate means to satisfy the repayment on the loan. This is generally a viable option if you have encountered a temporary setback such as poor health or loss of employment.
  • Deed in Lieu of Foreclosure – You may also deed the home back to the mortgage provider if the lender agrees to accept a Deed in Lieu of Foreclosure. The lender will take back the property and cancel the remaining debt. You will be unable to keep your home, but avoid foreclosure and minimize the detriment to your credit score.
  • Short Sale – To avoid foreclosure, you may also be able to sell your home for less money than the amount owed. A short sale can be completed by finding a buyer willing to pay current market value to purchase the home and have the mortgage provider agree to the sale. Any shortage after the sale will then either is written off by the lender and an IRS 1099 is issued to the seller, or a deficiency remains which the lender may pursue to collect against the seller.

Foreclosure continues to be a growing problem in Florida, and if it happens to you, the worst thing to do is ignore it.

If you or a loved one are being threatened by Foreclosure or have legal questions regarding any potential legal remedies, call Blick Law Firm today at (813) 931-0840. Schedule a free 15-minute consultation with attorney Michael Blickensderfer to see what your legal rights are in defending a foreclosure action.

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Probate: What is a Will? … and do I need one?

Posted on April 18, 2013 by Blick Law

A Will is a legal document that provides direction for how a decedent intends to distribute their assets upon their death. Many times, people avoid considering the different options available through the probate process out of a fear of thinking about their own death.

A person without a will at the time of death is said to have died intestate. When a person dies intestate, the State will then follow the intestacy guidelines governing how to distribute intestate assets to heirs based on relation and bloodline.

Realistically, executing a Will for the disposition of one’s assets is an important part of planning the future of your estate; as it is always better to have your intentions for the disposition of your assets to be memorialized in an executed Will, rather than have the State determine the disposition of your assets. Probate is the process of identifying and gathering the assets of the deceased person, paying their debts, and distributing the assets to his or her beneficiaries.

Many considerations must be made prior to setting forth the distribution of one’s assets following their death, and often times other legal documents are more suitable for particular situations. It is important to discuss your situation with an experienced attorney, and determine what is best for you be it a Will or Trust instrument.

If you or a loved have concerns or questions about the future of your estate, call Blick Law Firm today. Schedule a free 15-minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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Driving with License Suspended

Posted on April 15, 2013 by Blick Law

Everyday Florida drivers get behind the wheel unaware that their driving privilege has been suspended, cancelled, or revoked. Law enforcement officers make daily arrests for driving with a suspended license which can lead to complications when trying to reinstate your driving privilege.

In Florida, it is a criminal traffic offense if a driver operates a motor vehicle with knowledge that their driver’s license is cancelled, suspended, or revoked. The following charges may result from Driving with a Suspended License with knowledge of the suspension:

(1) First conviction is a second degree misdemeanor;

(2) Second conviction is a first degree misdemeanor;

(3) Third, or subsequent conviction, is a third degree felony and possible jail time may have to be served.

It is important to know that multiple infractions of Driving with a Suspended License can lead to very serious consequences, and drivers with repeated violations can become listed as a Habitual Traffic Offender.

The penalty of driving with your license suspended, whether you have knowledge or not, can be serious and generally lead to complications with your future driving privilege.

If you or a loved one have been arrested or issued a citation for driving with a suspended license, call Blick Law Firm today at (813) 931-0840. Schedule a free 15-minute consultation with attorney Michael Blickensderfer.

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Bankruptcy: Chapter 13

Posted on April 13, 2013 by Blick Law

When considering Bankruptcy, a Chapter 7 filing is a useful way to discharge of most debt and can relieve the burden of creditor collection attempts. However, many times a debtor has equity in a home or property and would like to file for Bankruptcy but not surrender their home. In these cases, a debtor can reaffirm the debt for the particular property they would like to maintain and keep making the payments, or file for Chapter 13 Bankruptcy which allows the debtor to reorganize the debt into a consolidated and more manageable payment.

Chapter 13 Bankruptcy gives the debtor an opportunity to manage their debt over a period of 3 to 5 years and still maintain the rights to both exempt and non-exempt property. This is particularly useful when the debtor has a large amount of equity in the home or property. Chapter 13 also helps by reducing payments on debts that cannot be discharged by Chapter 7, such as Student Loans; additionally, Chapter 13 helps avoid wage garnishment, delays the foreclosure process on the home, protects co-signers, and allows for an overall extension on the repayment term of most debts.

However, the decision to declare Bankruptcy also comes with consequences. The disadvantages of filing Chapter 13 include:

  • Credit reports will show a Chapter 13 Bankruptcy filing for 7 years
  • The debtor will receive high interest rates on future credit
  • The debtor will have a strict budget in place in order to ensure the reorganized debt payments
  • Legal representation fees tend to be higher, plus added court costs

If you are having trouble meeting your debt obligations, consult an experienced Tampa Bankruptcy attorney to discuss your options.

Call Blick Law Firm today at 813-931-0840. Make an appointment for a free 15 minute consultation with Michael Blickensderfer to see if Bankruptcy is right for you.

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