Tag Archives: michael c blickensderfer

Florida Real Estate Foreclosure Alternatives

Posted on November 21, 2012 by Blick Law

According to a report released last week by the California-based real estate data company, RealtyTrac., Florida leads the nation in home foreclosure rate for the second month in a row in October, with one filing for every 312 housing units. Florida’s rate is more than double the national rate of one in every 706 housing units, and this report confirms that Florida continues to struggle to recover from the recent housing crisis. Though indicators suggest that the housing market is improving, foreclosure still appears to be a significant problem.

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 @ 813-931-0840. Schedule 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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Filing Bankruptcy After the Holidays

Posted on November 20, 2012 by Blick Law

With the Holidays quickly approaching, many people are becoming mindful of the expenses related to purchasing gifts for loved ones and even splurging on deals for themselves on Black Friday. It is important to remember, especially for those in financial hardship to spend responsibly; and for people who are considering Bankruptcy it is even more important to be aware that debt accrued over the holidays may not be dischargeable through Bankruptcy.

If a creditor can prove that credit card charges over the Holidays were made fraudulently with the intent to file Bankruptcy afterward, the debt may survive the Bankruptcy. Generally, the Bankruptcy court will look to see the state of the finances when the charges were made and the nature of the purchases to determine whether Bankruptcy was imminent and the charges were made with the intent to file Bankruptcy.

Many people utilize bankruptcy as a strategy for resolving unmanageable debt. Today, it is more common than most realize and can be a refreshing solution to a debt-ridden life.

When considering Bankruptcy, a Chapter 7 filing is a useful way to discharge of most debt and can relieve the burden of creditor collection attempts. 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.

It is important to be aware that while Chapter 7 Bankruptcy may ultimately relieve a debtor of the burden of insurmountable unsecured debt, it is a process that requires the production of several documents and tedious preparation. The more prepared the debtor is, the more seamless the process becomes.

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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Blick Law Firm Participates in Small Business Saturday 2012

Posted on November 15, 2012 by Blick Law

Blick Law Firm Offers Tampa Community Free Legal Service(s) on Small Business Saturday the Day after Black Friday

 TAMPA Nov. 14, 2012– Small Business Saturday is the Saturday following Thanksgiving, and every year, thousands of small businesses give special discounts to their customers.

Blick Law Firm is participating this year, offering anyone who calls into the law firm on Nov. 24, 2012, a 30-minute free legal consultation, pertaining to the law firm practice areas.

Michael Blickensderfer, Owner and Attorney at Law of Blick Law Firm has 25 years legal experience and extensive trial and courtroom knowledge. Blickensderfer is a former prosecutor and is licensed in Florida, New York and New Jersey.

This free 30 minute consultation holds a usual value of $175. Each appointment may be made over the phone or by e-mail. Callers may or may not need to redeem the consultation right away; the best part about the coupon is that it doesn’t expire until April 2013!

To get the discount offered by Blick Law Firm on Small Business Saturday follow three simple steps:

1)      Call Blick Law Firm at (813) 931-0840

2)      Recite the promo code that is exclusively offered on Blick Law Firm’s Facbook or Twitter Page

3)      Get your free legal discount emailed to you instantly!

It’s really that easy! 

For more information watch Blick Law Firm’s tutorial video of how to shop on Small Business Saturday posted on their blog page or click here: https://blicklawfirm.com/blick-law-firm-participates-in-small-business-saturday-2012/

About Blick Law Firm
Blick law Firm is a local Tampa Bay legal firm specializing in personal injury, criminal and real estate law all across the state of Florida. The owner, Michael C. Blickensderfer, has over 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.

* The hiring of an attorney is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. Copyright © 2010 by Blick Law Firm. All rights reserved. Disclaimer

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Blick Law Firm Participates in Small Business Saturday 2012

Posted on November 14, 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: Small Business Saturday 2012

Between Black Friday and Cyber Monday is a day
dedicated to supporting small businesses nationwide. Last year,
over one hundred million people* came together to Shop Small® in
their communities on Small Business Saturday®.

For those of you who don’t know, the Saturday following Black Friday, is nationally known as Small Business Saturday. Call Blick at (813) 931-0840 on the 24th and recite the promo code BLFSmallBiz2012 to receive an exclusive legal service discount offered for one day only!

Here is how to join us:

1) Call us on November 24th at (813) 931-0840
2) Tell us the promo code: BLFSmallBiz2012
3) Receive your coupon for your exclusive legal service discount.

That’s it! It is that simple, in efforts to support local small businesses.

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!

About Blick Law Firm
Blick law Firm is a local Tampa Bay legal firm specializing in personal injury, criminal and real estate law all across the state of Florida. The owner, Michael C. Blickensderfer, has over 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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Short Sale: Questions and Concerns

Posted on November 7, 2012 by Blick Law

Homeowners are often unsure of what options are available when they reach financial hardship. A short sale is an agreement by a mortgage lender to sell property for an amount lower than the balance owed in order to relieve the buyer of the mortgage obligation.

A short sale can be a helpful tool when trying to avoid foreclosure. Depending on the negotiated amount of the sale and the timeliness of past mortgage payments, a short sale may help avoid the huge hit to your credit score that foreclosure causes. Additionally, short sale participants can later purchase a home in a shorter time than those who foreclose on their property.

A short sale can be completed by finding a buyer to purchase the home who 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 an IRS 1099 is issued to the seller, or a deficiency remains which the lender may pursue to collect against the seller.

Beginning November 1st, 2012, changes were made to help streamline the short sale process including:

  • An expedited short sale approach for borrowers most in need.
  • Lenders will now have the power to quickly and easily qualify certain borrowers who are current on their mortgages for short sales.
  • Lenders will waive the right to pursue deficiency judgments in exchange for a financial contribution when a borrower has sufficient income or assets to make cash contributions or sign promissory notes.

The short sale process can be complicated, and the lender may not be willing to negotiate. It is important to know that a real estate attorney can help negotiate the sale and terms with the mortgage lender and provide you peace of mind that your short sale is being handled by an accountable professional.

If you have legal questions regarding your short sale or you are considering your options, call Blick Law Firm today at (813) 931-0840 to schedule a free 15-minute consultation with attorney Michael Blickensderfer.

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Dog Bite Florida

Posted on November 2, 2012 by Blick Law

Dog owners and dog bite victims alike should be aware that Florida maintains a strict liability statute to protect victims of dog attacks. Under Florida Statute 767.04, the owner of a dog that bites a person will be held strictly liable for the damages caused if such person is on or in a public place, or lawfully on or in a private place, including the private property of the owner of the dog.

In Florida, the prior lack of viciousness of the dog is irrelevant, and a dog owner will still be held liable for damages including present and future medical bills, lost wages and future earnings, mental anguish, and destruction of property.

Though the amount of recovery available to the injured party will be reduced by whatever percentage of fault can be attributed to the victim’s own actions, dog owners should be aware of their potential strict liability.

Under the Dog Bite Statute, Dog Owners can protect themselves from liability for attacks that occur on their private property. The statute allows for limited protection of dog owners who display in a prominent place, a sign that reads “Bad Dog”. This protection is not available, however, if the attack was caused by the owner’s own negligence or omission to prevent the attack.

Dog attacks can be devastating, the medical costs that follow can be extensive, and many times the dog owner isn’t even aware of the potential viciousness of their dog.

If you or a loved has been the victim of a dog attack and need legal representation; or if you are a dog owner and need information on how to protect yourself from liability for your dog’s actions, call Blick Law Firm today @ (813) 931-0840. Call to make an appointment for a free 15 minute consultation with attorney, Michael C. Blickensderfer. Think quick, call Blick!

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