Tag Archives: christian lawyers

Foreclosure potential solutions

Posted on July 25, 2012 by Blick Law

Foreclosure is the process in which the lender of mortgage money takes control of the mortgaged property and sells it to raise money to pay on the debt owed by the borrower. A foreclosure happens when one stops paying the mortgage payments, usually for a period of at least three to four months. At that point, the mortgage company has a right to foreclosure, and legally follows a standard process similar to an eviction.

If your property becomes subject to foreclosure, here are some potential remedies:

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 owed. A short sale can be completed by finding a buyer to purchase the home and is willing to pay current market value, and having the mortgage provider agree to the sale. Any shortage after the sale will then either be written off by the lender and a IRS 1099 be 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.

Call Blick Law Firm today at 813-931-0840. Make an appointment for 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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¿Usted ha sido falsamente acusado de un crimen?

Posted on July 6, 2012 by Blick Law

¿Usted ha sido falsamente acusado de un crimen?

A pesar de nuestro sistema de justicia dice que uno es inocente hasta que se pruebe su culpabilidad, es todo lo contrario. Ser acusado de un crimen que no cometió puede ser todo un episodio excesivamente emocional. Solicitar la asistencia de un abogado defensor calificado y experimentado, como Michael Blickensderfer, puede calmar la ansiedad que viene con ser acusado. Tiene más de 25 años de experiencia en defensa criminal, es licenciado en tres estados, y ha servido de parte de la acusación, dándole experiencia en ambos lados.

Siendo que usted se está preparando para reunirse con Michael y su equipo legal, le quisiéramos sugerir los siguientes consejos:
1. Tome notas. Apuntando todos los detalles que usted pueda recordar le ayudara a usted y a Michael en la preparación de su defensa. Graba notas sobre el incidente y el momento del arresto. Cada detalle puede tener importancia, por eso es imperativo acordarse y escribir todos los detalles que se pueda acordar.

2. Haga preguntas: Este seguro de comprender las acusaciones que enfrenta.

3. Testigos: Usted posee el derecho legal de tener testigos en su defensa. Utilice tarjetas de notas por cada testigo; grabe su nombre, información de contacto y el valor que puede contribuir a su caso. No se olvide de también incluir nombres de testimonio contra usted y la razón porque. Asegurase de informar al abogado de todos los detalles, positivo y negativo.

4. Conozca sus derechos: Usted NO tiene que hablar con la policía. Nunca de explicación sin representación. Los únicos detalles que le tiene que darle a la policía es su nombre, dirección y cumpleaños. Después de ahí, llame a Michael.

Si usted ha sido acusado falsamente, es crítico que usted contrate a un abogado calificado de inmediato. El licenciado Michael Blickensderfer puede responder preguntas como:
“¿Qué tan grave son los cargos?”
“¿Qué se supone que debo hacer?”
“¿Cómo puedo demostrar que soy inocente?”
“¿Cuáles son mis derechos y opciones legales?”

Él será capaz de evaluar su caso para determinar la mejor manera de proteger y maximizar sus intereses legales. La firma de ley Blick fue creada para “ayudar a los necesitados.” Eso incluye esos que son “falsamente acusado”. Llame hoy para una consulta gratuita.

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If I get into an auto accident, does filing a claim affect my insurance rate?

Posted on June 27, 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: If I get into an auto accident, does filing a claim affect my insurance rate? If you have been in an accident recently filing a claim may or may not affect your insurance rate. Watch today’s minute with mike video to find out more.

There are many other reasons that your insurance rate may go up and an auto accident may affect rates whether you are at fault or not. Hiring a auto accident attorney may be beneficial for you. An attorney helps you check your record and assists you in sorting out your license issue(s) to get you back on the road as soon as possible.

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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DUI penalties in Florida

Posted on June 14, 2012 by Blick Law

Driving Under the Influence (DUI) has severe consequences which not only affect your immediate lifestyle, but affect you financially as well. There are certain factors involved in DUI cases that can determine how severe your sentence(s) may be, thus resulting in financial hardship.

A determining factor to the severity of a drinking and driving case may result from past record(s). If you are a first time offender your sentence(s) are typically made up of:

1) Serving 50 + hours of community service
2) Court fees
3) DUI School
4) Attending Victim Impact Pane
5) Possible ignition interlock

Charges for a first time offense start at $500 and can be as high as $1,000 in court fines; depending upon the severity of your blood alcohol level at the time of arrest. All cases may be faced with jail time. Repeat offenders are more likely to incur higher court fines and/or community service hours.

According to Florida Highway Safety and Motor Vehicles, Fine Schedule s. 316.193(2)(a)-(b), F.S.

  • First Conviction: Not less than $500, or more than $1,000. With Blood/Breath Alcohol Level (BAL) of .15 or higher or minor in the vehicle: Not less than $1,000, or more than $2,000.
  • Second Conviction: Not less than $1,000, or more than $2,000. With BAL of .15 or higher or minor in the vehicle: Not less than $2,000, or more than $4,000.
  • Third Conviction: More than 10 years from second: Not less than $2,000, or more than $5,000. With BAL of .15 or higher or minor in the vehicle: Not less than $4,000.
  • Fourth or Subsequent Conviction: Not less than $2,000.

Blood alcohol level also plays a part to the results of one’s case. Under Florida law, DUI is one offense, proved by impairment of normal faculties or unlawful blood alcohol or breath alcohol level of .08 or above. In many cases the more severe the blow, the higher the punishment of one’s case.

These are just a few factors that determine the sentence of one’s drinking and driving offense. Hiring a Tampa DUI attorney may be beneficial to the outcome of one’s case. An experienced attorney attempts to avoid jail time at all costs and keep punishments to a minimum, allowing the defendant to cope and move on with their life.

If you are in need of a DUI criminal attorney, call Blick Law Firm today at 813-931-0840, for a free consultation. Attorney, Michael C. Blickensderfer, not only helps those in need with their legal rights, but assists in guiding clients in the right direction for a better and prosperous future. Think quick, call Blick!

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5 critical items needed for successfully filing your petition

Posted on June 12, 2012 by Blick Law

Filing for Chapter 7 or 13 Bankruptcy may be time consuming and stressful. There are critical documents that need to be recorded and filed to successfully discharge one’s debt. Five critical items needed for successfully filing your petition are:

1) When filing for bankruptcy, you will need to provide proof of income.

2) Recent payments need to be documented and reported for items including but not limited to: automobile payments, maintenance, rent, groceries, all household expenses, etc.

3) Itemizing your assets or items of value. This includes: bank account, 401K, cash on hand, valuable jewelry or the like.

4) Whether or not you intend to repay, you must record any accumulated debt you have acquired.

5) You may also need to provide information on certain transfers of money or property in the past recent years.

Filing for bankruptcy may be complex so it is important to hire a competent and experienced Tampa bankruptcy attorney to assist you through this stressful process. Call 813-931-0840 today for a free consultation on how we can assist you through your bankruptcy filing process.

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What are the punishments for street racing on the highway?

Posted on June 12, 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:What are the punishments for street racing on the highway?? Whether you have been caught street racing on the highway or just a passenger of such action, consequences may follow. Watch today’s Minute with Mike video regarding the consequences of street racing in Tampa Bay.

Blick law Firm is a local Tampa Bay legal firm specializing in Tampa chapter 7 bankruptcy, Tampa 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.

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