Tag Archives: carrollwood lawyer

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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Tampa Bay DUI Check Points

Posted on April 11, 2012 by Blick Law Firm

Tampa Bay deputies and police officers are dedicated to values of integrity, professionalism and community involvement. As a result of their commitment the county’s overall crime rate dropped in 2008, 2009, 2010 and 2011. Blick Law Firm assists efforts by posting DUI checkpoints to help enforce safety amongst the community.

What are DUI checkpoints? DUI checkpoints consist of police roadblocks at busy thoroughfares at which motorists are randomly selected for screening.  These stops help keep all parties safe so they can continue on with their life, without any tragic or fatal interruptions.

Sobriety checkpoints reduce alcohol-related crashes by about 20 percent, according to a U.S. Centers for Disease Control report combining the results of 23 scientific studies.

Although they tend to be controversial, DUI checkpoints have survived most legal challenges; even in some states where statutes require an officer to have reasonable suspicion of intoxication before initiating a traffic stop. The U.S. Supreme Court ruled in 1990 that sobriety checkpoints are legal under federal law (Michigan Dept. of State Police v. Sitz), leaving it up to the individual states to decide.

Should you find yourself unable to drive because of intoxication, please call a friend, cab driver or ask the bartender to call someone for you. Do not drink and drive.

If you have been arrested for a DUI or other related incident, call Blick Law Firm today to assist you and seek legal representation you deserve! Think quick, call Blick! 813-931-0840

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Tax Returns being used to file Bankruptcy

Posted on March 28, 2012 by Blick Law Firm

The Columbia University Mailman School of Public Health reports that more families have been using their tax rebates to file for bankruptcy.

In 2001, bankruptcies increased 2 percent after receiving rebates but increased 7 percent in 2008, according to research by Tal Gross, an assistant professor of health policy and management at the school.

Overall, Gross found bankruptcy filings fell by more than 50 percent between the two years, presumably due to the Bankruptcy Abuse Prevention and Consumer Protection Act passed in 2005.  Legal fees for filing increased from an average of $921 to $1,477.

While some debate the new law was a good way to weed out unnecessary filings, Gross believes it made it more difficult for families in need to dig themselves out of their financial troubles.

Although bankruptcy has had a bit of a bad rep in the past, it may be the only option for people with medical debt.  Attorney Michael Blickensderfer is knowledgeable in  recent bankruptcy laws and may offer assistance as you face this hardship.

Although filing for bankruptcy remains on one’s credit history for up to 10 years, the credit score may go up as much as 100 points as shortly as a year later.

Call Blick Law Firm today to receive a free consultation regarding chapter 7 bankruptcy  and how you can file and the procedures that go into filing.

Think quick, call Blick. 813-931-0840.

 

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