Tag Archives: military lawyer

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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Shopping around for an attorney? Choose wisely!

Posted on July 11, 2012 by Blick Law

When shopping around for a Tampa attorney online, many consumers first instinct would be to choose the lowest rates that an attorney will offer. However, going for a cheap rate attorney may not be the best strategy.

In the economy today, competitive advantage makes it easy for a consumer to find the best for the cheapest price. However, when it comes to legal counseling, many times that is not the case.

When “shopping” around for an attorney, cheaper is not always better. Here are a few tips to look for when you are searching the internet for a Tampa lawyer.

1)     Cost. Comparing cost is very important and of course should weigh into your decision making. In this economy, finding an attorney willing to give their clients payment plans, if appropriate can seal the deal when it comes to retaining an attorney.

2)     Experience. Do a little research on the attorney you are seeking and check his background. An attorney has been practicing for one month will more than likely not be as capable as an attorney that has been in practice for 10 years. Having an attorney with experience will add value to your case and will allow the experts to takeover, ensuring you relief in whichever situation you may be facing

Attorney, Michael C. Blickensderfer has been in practice for over 25 years. His experience includes serving as a prosecutor both in Florida and in Long Island. In the past he served in cases dealing with narcotics, Medicaid fraud, and DUI offenses within New York City. He has also served as a Public Defender, practicing criminal law within the felony division in Tampa, Florida. Other legal experience includes real estate, family law, criminal defense, social security and labor law.

Mr. Blickensderfer’s background includes courtroom and trial experience, both in criminal and civil cases.

3)     Licensed. Many times an attorney may practice in more than one state. An attorney that has more than one license is well-versed in legal laws, statutes and legal systems.

Attorney Michael C. Blickensderfer is licensed to practice law in Florida, New York and New Jersey. Having such a diverse familiarity of the legal system allows him to provide his clients with expert knowledge earned through many years of study.

4)     Ethics. When hiring an attorney clients’ seeking to get best results may lean towards a hard, cut-throat lawyer. However, rather than choosing based on commercial ads of what an attorney portrays themselves to be, check resources. Retaining an attorney based on integrity and moral standards may be the wiser choice.

Our Mission: Blick Law Firm‘s mission is “Helping the Hurting.” Grounded as a Christian law firm and following Christian values, the firm strives to not only meet the legal needs of its clients and their families, but also to provide physical and emotional support. We treat each client equally and with the utmost respect, offering high-quality legal representation and counsel to those who need us most.

If you are looking to retain a low-priced attorney, more than likely you will get what you pay for. Be sure to do what is best for you and your situation. Don’t sell yourself short by only considering the financial perspective. Instead, consider the overall situation, such as, the level of experience, morals and values brought to both you and your case by the attorney you choose to retain.

Call Blick Law Firm today and speak with us at 813-931-0840. We offer free case evaluation and want to strive to not only assist with your immediate legal needs, but assist for results that will make for a blessed and prosperous future!

Posted in Blog, Criminal Law, Foreclosure Defense, Personal Injury, Real Estate | Tagged , , , , , , , , , , , , , , , , , , | 1 Comment

Should I settle with an insurance company right after an auto accident claim?

Posted on July 11, 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: Should I settle with an insurance company right after an auto accident claim?

Insurance companies often try to get personal injury victims to settle a personal injury claim quickly and for a low amount.

If you have recently been in an auto accident and have filed a claim, many times the insurance company will call the injured party right away to offer a settlement amount. In hopes to end the claim right away an insurance company will offer a settlement that may seem too good to be true. As a personal injury lawyer, attorneys confirm that that is not the victim’s best course of action!

Insurance companies will try to get an accident victim to settle quick and cheap! Take the time and seek proper medical and legal representation so you are not cheated from an unfair insurance company’s settlement offer. In an auto accident your time, financial situation, health and ability to move forward are all taken into consideration with Blick Law Firm. Call us today to receive your free case evaluation from an experienced car crash attorney.

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!

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Insurance companies quick to settle auto accident claim

Posted on July 10, 2012 by Blick Law

Insurance companies often try to get personal injury victims to settle a personal injury claim quickly and for a low amount.

If you have recently been in an auto accident and have filed a claim, many times the insurance company will call the injured party right away to offer a settlement amount. In hopes to end the claim right away an insurance company will offer a settlement that may seem too good to be true. As a personal injury lawyer, attorneys confirm that that is not the victim’s best course of action!

Here are 4 steps to receiving your best possible personal injury settlement:

1)     If that insurance company calls, do not offer any recorded statements right after an auto accident. *In many cases the injured party may suffer soft tissue injuries that will not show signs until days after an accident.

2)     Seek medical attention. After an auto accident it is best to go immediately to the hospital or other treatment facility to check for severe injuries. Many times the insurance companies will try to get you to settle your claim prior to treatment. Only after treatment will you know the severity of the case.

3)     Seek a Tampa Personal Injury attorney! Choose an attorney that has trial experience and has many years’ experience working with insurance adjusters and injury claims.

4)     An attorney will take the time to evaluate your situation and take the proper steps to assist you in recovering monetarily from your injuries and will work with you in hopes of receiving the best possible outcome for you and your loved ones.

Insurance companies will try to get an accident victim to settle quick and cheap! Take the time and seek proper medical and legal representation so you are not cheated from an unfair insurance company’s settlement offer. In an auto accident your time, financial situation, health and ability to move forward are all taken into consideration with Blick Law Firm. Call us today to receive your free case evaluation from an experienced car crash attorney.

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! Former prosecutor, former Marine. Call 813-931-0840.

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Florida Firework displays may lead to personal injury lawsuits

Posted on July 5, 2012 by Blick Law

Fireworks are not all fun and games. They can result in severe injuries and in turn, pursuing a personal injury claim.

Independence Day is celebrated in recognition of the Declaration of Independence being approved by the Continental Congress in 1776, setting the 13 colonies on the road to freedom and liberty. Today, this most American of holidays, is celebrated by parades, fireworks and barbecues across the country.

Fireworks have become an iconic symbol in the commemoration of our independence on the 4th of July and they play a major role in American’s celebration of this day. Seeing fireworks shoot off in the sky brings fond moments, as bright lights flash in a glittery display for all to see. But if not used with safety and caution, fireworks can cause harmful situations, resulting in serious damages.

In Florida, it is illegal to buy, sell, or explode consumer fireworks.  You can do so, however, if you have a city permit.  Be aware that if you are shooting off fireworks without a warrant, you are breaking the law, which may result in unnecessary fines and a possible police investigation. If law enforcement decides to crack down and you’re caught buying or shooting off illegal fireworks, it is a first-degree misdemeanor.

Fireworks may be banned in certain locations to prevent property damages. For example, if there has been a recent drought, fireworks may be banned in nearby fields to prevent the cause or spread of wildfires.

Fireworks not only have damaging effects on property, but also heighten the risk for injury; this is especially true under the influence of alcohol. Firework personal injury claims are especially high in the month of July. Florida fireworks are not only illegal but may result in severe hand, body, arm and/or leg injuries, or even worse, it can result in death.

As a personal injury law firm, it is important to understand the risks associated with the use of fireworks, and to be aware that they are explosives and should be handled with extreme caution.

Take safety measures this holiday season and be mindful of your surroundings. If you have been injured due to a recent firework accident, please contact a Tampa personal injury attorney today to represent you and assist you with your damages.

For a FREE consultation, contact Blick Law Firm today at 813-931-0840.

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Filing a hardship letter to lenders

Posted on July 5, 2012 by Blick Law

Part of the loan modification process is filing ones hardship. When applying for a loan modification the lender will require the filing of a hardship letter as a written explanation as to why and what was the cause for the homeowner to fall behind on making mortgage payments and assisting to prevent a foreclosure from proceeding.

A hardship letter provides an explanation to the lender detailing the current issues that are affecting the homeowner’s ability to meet their financial responsibilities. It needs to properly cover all of the issues in a manner which is clear, concise and to the point.

This can be accomplished with the help of an experienced real estate attorney who will review the hardship letter, along with the any other documents required for consideration, and can make any necessary suggestions to the documentation, regarding content, so it is efficient for the lender to approve.

Here is the basic information that must be provided in a hardship letter to the lender:

  1. Name, address, phone number and account number.
  2. State the financial assistance/ plan you are seeking.
  3. Describe your financial hardship. What were the causes that lead to falling behind in one’s mortgage payments? This is an outlined biography of your current “life” issues.
  4. Include life circumstances which may have altered and added to your hardship such as: illness, loss of job, reduced income, failed business, job relocation, death, death of spouse, divorce, military separation, military duty, reduced income, medical bills, property damage and alike.

*Remember that the hardship letter is only the beginning of the loan modification process. It is essential in determining assistance for you if you are trying to avoid the foreclosure of your home.

If you are looking to STOP a foreclosure and stay in your home, contact Blick law firm and speak with an experienced foreclosure defense attorney as soon as possible. Your hardship letter will be reviewed, and any necessary changes, additions and/or suggestions can be provided to aid you through the daunting loan modification process.

Call today to receive your free case evaluation at 813-931-0840. Think quick, call Blick!

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