Tag Archives: abogados

Are you struggling to pay your mortgage?

Posted on May 15, 2012 by Blick Law

Have you fallen behind on your mortgage payments?  Is your home now worth less than you owe on the mortgage? Are your payments and interest sky high and unaffordable? Are you facing foreclosure? Has your lender denied you assistance?

If you answered “yes” to any of these questions, call a Loan Modification attorney immediately to see if you qualify for a loan modification program.

A Loan Modification is a permanent change in one or more of the terms of a Borrower’s loan, allows the loan to be reinstated, and results in a payment the Borrower can afford. *This is not a short sale or refinance program.

Loan Modification programs have been initiated to provide the homeowner, who has experienced financial hardship, options to reduce the interest rate or principal balance of their home loan, or both. These programs make monthly mortgage payments affordable according to the homeowners financial situation in order for the homeowner to remain in their home.

Why hire a lawyer to assist with your loan modification? Struggling homeowners may benefit from hiring a lawyer to try to modify a mortgage or avert foreclosure, and avoiding being caught up in scams, saving overall costs of fees as well as time wasted. With a lawyer you may have a better chance to quickly and accurately get your home approved and modified.

Some homeowners try to take this challenge on themselves and while successful at times, it is a battle to win when it comes to dealing with lenders. Lenders deal with many struggling to keep up with their mortgage payments every day. Trying to work with the lenders directly may absorb much of your time. Those who have the assistance of a loan modification lawyer are more likely to get responsiveness from the lender; pushing your loan modification documents aggressively through the piles of other pending approvals.

With the help of Blick Law Firm, we will screen you to see if a loan modification is your best option and if so assist you to get your loan modification approved. Call Blick Law Firm today at 813-931-0840 and ask about your modification options!

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Florida boating under the influence (BUI) Part 1

Posted on May 11, 2012 by Blick Law

Boating under the influence? Yes, you heard right. BUI.

With warm weather approaching, the Gulf waters and many Florida lakes are packed with boats and other forms of water transportation. Boating while intoxicated can be just as deadly as driving and drinking.

Did you know? It is illegal to operate a boat while under the influence of alcohol or drugs in every state. The Coast Guard enforces a federal law that prohibits BUI.  This law pertains to all water vessels, including canoes, rowboats and Ski Doos.

The use of alcohol is involved in about a third of all recreational boating fatalities.

The penalties for BUI can include: large fines, revocation of operator privileges and serious jail terms.

**If caught, authorities will tow the boat to shore and arrest those that have been boating under the influence.

Alcohol affects vision, balance, coordination and judgment. These impairments increase the likelihood of accidents afloat – for both passengers and boat operators. The U.S. Coast Guard data shows that in boating deaths involving alcohol use, over half the victims capsized their boats and/or fell overboard.

Alcohol is even more hazardous on the water than on land. The marine environment – motion, vibration, engine noise, sun, wind and spray – accelerates a drinker’s impairment. These stressors cause fatigue that makes a boat operator’s coordination, judgment and reaction time decline even faster when using alcohol.

Alcohol can also be more dangerous to boaters because boat operators are often less experienced and less confident on the water than on the highway. Recreational boaters don’t have the benefit of experiencing daily boat operation. In fact, boaters average only 110 hours on the water per year.

For more information visit: http://www.uscgboating.org/safety/boating_under_the_influence_initiatives.aspx or contact Blick Law Firm to learn more about Florida boating while drinking at 813-931-0840.

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Necesito a un abogado de lesiones personales

Posted on May 11, 2012 by Blick Law

Contrario a creencias populares que los abogados de lesiones personales persiguen ambulancias y victimas, las leyes de Florida prohíben tal acción. De hecho, los abogados tienen restringido hacer cualquier tipo de contacto a las víctimas de accidentes en un periodo de 90 días. El abogado Michael Blickensderfer no practica tales técnicas de mercadeo. Nuestros clientes buscan de nuestros servicios por causa de clientes actuales o previos que han estado satisfechos por utilizar a Blick Law Firm para sus propios asuntos legales.

Si sus heridas o las de sus familiares no fueron su culpa, usted es elegible a recibir compensación financiera para cuentas de hospitales, el tiempo desempleado e incluso por el dolor o sufrimiento. Para proteger sus derechos y recibir lo que usted se merece, contacte a Blick Law Firm hoy para recibir una consulta gratis. Las nuevas leyes que prevendrán fraude de seguros y accidentes requieren que la victima reciba cuidado de emergencia dentro de las 72 horas del accidente. Si usted no puede llegar a nosotros, nosotros iremos a  donde usted.

 

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What ‘to do’ to file for chapter 7 bankruptcy

Posted on May 11, 2012 by Blick Law

While there may be a stigma to filing chapter 7 bankruptcy, claiming bankruptcy may alleviate everyday stress and financial burdens. If you decide to file for chapter 7 bankruptcy, be mindful to completely and accurately gather and fill out all documents pertaining to your claim.

To seamlessly file your bankruptcy in an accurate and in a timely manner, follow the following key steps for filing chapter 7 bankruptcy with a Tampa bankruptcy attorney.

DO complete the bankruptcy intake packet that you receive on your initial visit at Blick Law Firm.

DO bring all requested documents to your second appointment. **A third appointment may result in an additional fee.

DO value your personal property at garage sale prices your Tampa bankruptcy lawyer can help you keep as much of your personal property as possible.

DO value your cars using the NADA. Also, check with Kelly Blue Book.

DO plan on having a low balance in your checking account the day you file your petition.

DO notify your creditor if you have retained a bankruptcy attorney to assist in your filing process.

DO stop making payments to your credit card accounts.

DO continue making payments on your mortgage and other secured debts.

DO let your Tampa bankruptcy attorney know of any abusive conduct by any debt collector.

DO inform your attorney of any lawsuits in which you might be involved, including personal injury.

DO take your first and second credit counseling classes. Classes in which to attend will be instructed to you by your law firm.

DO bring your driver license and social security card to your appointments and 341 hearing.

DO call Blick Law Firm if you have any questions.

If you are seeking to discharge your debt, contact a Tampa bankruptcy attorney that has the experience and knowledge to accurately file your information. Call Blick Law Firm today at 813-931-0840 to receive your chapter 7 bankruptcy.

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Por qué contratar a un abogado de bienes raíces?

Posted on April 16, 2012 by Blick Law Firm

En el pasado, se pensaba que un agente inmobiliario era la única persona que se necesitaba para la venta de su propiedad. Una tercera persona, tan necesaria como el agente inmobiliario, es un abogado de bienes raíces. Mientras tu agente puede asistirte con la logística de venta/compra, junto con la negociación del precio y fecha del cierre, Michael Blickensderfer puede revisar cualquier oferta que usted haga o reciba y asegurarse que sus derechos y deberes sean protegidos.

Usted y Michael pueden discutir y llegar a un acuerdo con respecto a cuanto usted desea que el este envuelto en la transacción y los precios/cargos serán expuestos antes de cualquier decisión final.

Si compra una propiedad, Michael puede:

  • Ayudarlo a entender el contrato de venta y compra, incluyendo como a usted le gustaría tomar titulo de la propiedad.
  • Verificar que no haya deudas o problemas registrados contra la propiedad que impida el uso de ella.
  • Preparar y registrar todos los documentos legales.
  • Clarificar los términos de la hipoteca y trabajar con el banco, si es necesario modificarlos.
  • Inspeccionar los ajustes, incluyendo los impuestos que se deben y costos de utilidad pagados, antes del cierre.
  • Revisar e inspeccionar el cierre y los documentos que usted debe firmar.
  • Manejar el seguro de titulo para protegerlo de pérdidas debido a problemas con el título de propiedad.
  • Asegurarse que usted reciba una registración valida de su propiedad sujeto a las obligaciones que usted aceptó.

Si usted vende su casa, Michael puede:

  • Revisar o preparar el contrato de venta y compra, incluyendo la negociación y términos.
  • Preparar el titulo y poder, si es necesario.
  • Trabajar con los asuntos/problemas del título y ayudar a corregirlos.
  • Revisar e inspeccionar el cierre y todos los documentos que usted debe firmar.
  • Arreglar la transferencia de depósitos de seguridad.
  • Manejar los certificados de seguro, si es necesario.

Otros servicios reclaman que pueden hacer todo el trabajo legal por usted pero cuando se refiere a bienes raíces no es el momento de ahorrar algo de dinero o “hacerlo usted mismo”. Michael conoce todos los estándares que se deben llevar a cabo.  Aunque muchos documentos de bienes raíces son similares, el acuerdo/contrato de venta y compra pueden variar de acuerdo al estado/lugar.

Aun más, algunas compañías de titulo y bancos requieren el uso de un abogado para asegurarse que el titulo este correcto, no haya obligaciones en contra de la propiedad y la transacción se complete.

Si usted está listo para hacer o aceptar una oferta de una propiedad llame a Blick Law Firm hoy y hable con uno de nuestros miembros del  equipo de bienes raíces. Usted todavía puede firmar la oferta con la seguridad que Michael lo ayudara.

 

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Can I lose my home if I file bankruptcy?

Posted on April 13, 2012 by Blick Law Firm

There are ways to keep your home in bankruptcy. “Automatic Stay” is one of the first advantages of bankruptcy, which will prevent creditors from taking collection action against you. If you are facing foreclosure, the filing of a bankruptcy petition will temporarily suspend the foreclosure action. While the automatic stay will not last forever, it will give you more time to review all of your options.   Attorney Michael Blickensderfer of Blick Law Firm can help you review all of your options before deciding which type of bankruptcy is best for your situation.

Personal circumstances, such as the type of bankruptcy you file, the amount of equity in your home, and whether you own the house jointly with someone else are all factors to consider.  In a Chapter 7 case, while you will lose assets but get rid of debts, you can either formally reaffirm the mortgage loan or, in some judicial districts, just keep making payments. If you fall behind on payments, and have some equity in your home, Chapter 13 bankruptcy may be a better choice for you because it allows you to pay off the arrearages (mortgage) over time and therefore face less risk to losing your home. A critical consideration in a Chapter 13 case is whether a debtor whose home loan is in default can make the larger mortgage payments (the missed payments plus resuming the original payments) over the repayment period.

For more information regarding keeping your home when filing for bankruptcy or general questions about qualifying for Chapter 7 and Chapter 13 bankruptcy call Blick Law Firm today at 813-931-0840.

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