Tag Archives: law firm

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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What about the deficiency owed when I short sale my home?

Posted on April 4, 2012 by Blick Law Firm

This is a question every seller asks when they consider a short sale of their home.  And it is a very legitimate question.

While some lenders may forgive a deficiency balance, not all do. It is often an unsound economic decision for a lender to sue you for the deficiency balance. For one, you may not have any resources to pay them. You likely would not have defaulted on your mortgage if you could have afforded to pay it.

Some states protect their citizens with anti-deficiency laws. Rules vary from state to state.  Unfortunately, Florida does not have such a law mandating the lenders to forgive a deficiency.  Attorney Michael Blickensderfer will advocate for the seller in an attempt to convince their lender to waive the difference between the amount owed and the amount for which their property sold.

If you are considering a short sale of your primary residence, you want to consider contacting a Tampa real estate attorney.  Michael is experienced in dealing with mortgage companies.  While they are all governed by the same guidelines, they each have their own idiosyncrasies which Blick Law Firm deals with routinely on a daily basis.

Every seller in a short sale will receive a 1099-C, which is a notice to the IRS that the financial institution has forgiven or canceled a debt of $600 or more.   Although this must be reported on your tax return as income, the Mortgage Forgiveness Debt Relief Act of 2007 allows taxpayers to exclude income from the discharge of debt on their principal residence. This act is in place through December 31, 2012. The forgiveness is restricted to mortgage debt that you incurred to purchase your home. If you took out cash from the equity in your home in a refinance, as many Americans did during the real estate boom period, you are not covered by the Mortgage Forgiveness Act. Even if you cannot use the protections of the federal act, you may still be able to avoid declaring the dollars listed on the 1099-C.

Call Blick Law Firm today to see if you meet the IRS rules regarding your assets and liabilities and can use the IRS Form 982 to avoid declaring the 1099-C as income.

If the financial institution issues a 1099-C to you, it will probably not pursue you for the deficiency balance because it has deducted the loss on the loan from its taxes. However, there is no guarantee the financial institution will not pursue you for the deficiency balance and then later amend its tax returns.

If you end up with a deficiency balance, consider negotiating with your lender in an attempt to reach an out-of-court settlement on the debt. If necessary, enroll the debt in a debt negotiation program.  Another option is to negotiate the debt yourself. Consider offering the creditor 10 cents on the dollar for a lump-sum settlement.

Blick Law Firm can assist you, should this negotiation be necessary. Call today 813-931-0840.

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