Monthly Archives: August 2012

Making Home Affordable program

Posted on August 3, 2012 by Blick Law

The Making Home Affordable program is focused on stabilizing the housing market by providing relief to struggling homeowners.

MHA can help in a variety of ways by lowering monthly payments,  reducing interest rates even if you owe more than your home is worth, or if home ownership is no longer affordable, MHA offers a way out while avoiding foreclosure. In an effort to enable more struggling homeowners to take advantage of the Making Home Affordable Program , the Government  has extended the application deadline of the program to December 31, 2013.

Getting approved for assistance through the MHA program can be a difficult process, and Homeowners who prepare diligently are more likely to receive a positive result.

At Blick law firm we have had success in providing relief to homeowners through the MHA program, so before you begin exploring your options call Blick Law Firm at (813) 931-0840 to schedule a free 15 minute consultation with attorney Michael Blickensderfer.

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Chapter 7 and Chapter 13 Bankruptcy basics

Posted on August 2, 2012 by Blick Law

Available Bankruptcy claim types vary depending on your particular situation, and understanding the differences is important.

Chapter 7 Bankruptcy is a liquidation proceeding whereby the debtor turns over all non-exempt property to the bankruptcy trustee who then converts it to cash to pay off the creditors. Usually within four months the debtor then receives a discharge of all dischargeable debts. Usually, these dischargeable debts include your credit card debt, old medical bills, utilities bills, unsecured loans, pay day loans, and most other types of unsecured debt.

Chapter 7 Bankruptcy is generally available when the debtor has little property aside from the basic necessities like furniture and clothing; and the debtor has difficulty making payments on basic expenses, or has very little money left after doing so.

The advantage to filing Chapter 7 Bankruptcy is that your unsecured debt is completely eliminated, the process is fairly quick, and the automatic stay that takes place after filing prohibits creditors from making collection efforts.

Chapter 13 Bankruptcy is more of a reorganization process that is available to debtors who have significant equity in a home or other property and want to keep it, or maintain a regular income but simply can’t keep up with the scheduled payments on their debts. Chapter 13 Bankruptcy allows the debtor to restructure the debt to have it paid off over a period of three to five years.

The advantage to filing Chapter 13 Bankruptcy is that you can maintain your property while spreading out the payments, you will have three to five years to catch up on delinquent accounts, and during that time you will make only one monthly payment to the bankruptcy trustee for payment to all creditors involved.

No matter what your situation is, obtaining quality legal consultation from an experienced bankruptcy attorney is beneficial. Contact Blick Law Firm today at (813) 931-0840. Schedule a free 15 minute consultation with attorney Michael Blickensderfer to assess what option is best for you. Think quick, call Blick!

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Personal Injury Litigation

Posted on August 1, 2012 by Blick Law

Thank you for watching Minute with Mike, free legal advice answered by attorney Michael C. Blickensderfer every Wednesday at Noon.

Today’s topic: Personal Injury Litigation

Insurance companies often try to get personal injury victims to settle a personal injury claim quickly and for a low amount. Sometimes Tampa Auto Accident attorneys may find it necessary to pursue the case further and seek to litigate their plaintiff’s claim.

Litigating a personal injury case is beneficial in many ways for the client. One, offering to litigate a personal injury claim puts pressure on the insurance company to reevaluate the initial settlement offered. Insurance companies at that point will find means to negotiate to come to an agreement with all parties. If there are no agreements made, an attorney will proceed in the litigation process.

Personal Injury litigation costs varies with each case. The cost for an attorney may increase due to time and court costs. But it will ensure clients the maximum outcome possible for the injured parties.

An unfair settlement from an insurance company shouldn’t be looked over but brought to attention. An attorney makes sure clients receive proper investigation and review from the insurance companies. Personal Injury Litigation provides such advantages.

Take the time and seek proper legal representation so you are not cheated from an unfair insurance company’s settlement offer. Look for a knowledgeable car crash attorney with litigation and trial experience.

In an auto accident your time, financial situation, health and ability to move forward are all taken into consideration with Blick Law Firm. Call us today to receive your free case evaluation from an experienced car crash attorney.

Blick Law Firm has over 25 year’s legal experience in Florida, New York and New Jersey.  Seek direction from a Tampa Christian law firm today!

Blick law Firm is a local Tampa Bay legal firm specializing in chapter 7 and chapter 13 bankruptcy, personal injury, criminal and real estate law all across the state of Florida.

The owner, Michael C. Blickensderfer has 25 years legal experience in Florida, New York and New Jersey. Blick Law Firms practice areas include criminal law, DUI/ Traffic, real estate transactions, loan modifications, short sales, foreclosure defense, bankruptcy, title insurance and real estate litigation.

We also serve clients in personal injury, including auto accidents, motorcycle accidents, slip and falls premises liability, dog bites, marine and aviation accidents and wrongful death.

For further information regarding our legal services please visit our website at www.blicklawfirm.com. Former prosecutor, former Marine. Think quick, call Blick!

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