Tag Archives: tampa 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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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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You have legal questions, Blick Law Firm has answers

Posted on December 5, 2011 by Blick Law Firm

     Legal questions are asked everyday. Questions about traffic ticket violations, underage drinking, roommate issues, personal injury claims or what is the foreclosure process.

The most common issue with those asking questions is not having the funds to get them answered. Blick Law Firm is here! We social media concepts to create an even better way for individuals to get free consultation.

‘Minute with Mike’ is here to bridge the gap  as Attorney Michael Blickensderfer sets out to answer posted questions himself. Created by USF Graduate Dana Blickensderfer, this  free video campaign encourages legal discussion questions with Attorney Blickensderfer. According to Dana Blickensderfer, it is the best way to get the community involved in asking questions and knowing their rights in various situations.

Starting as a campaign geared toward college adults, students are able to submit questions to Attorney Blickensderfer who will provide a video answer on the website every Wednesday at Noon.

Michael Blickensderfer has extensive experience in personal injury litigation and claims. Attorney Blickensderfer has served as both a prosecutor and defense attorney in Florida and Rhode Island. Other areas Attorney Blickensderfer has served in were narcotics, Medicaid fraud, DUI offenses, and criminal law within the felony division. Other legal experiences are security and labor law,  real estate, and family law.

Every week, the Attorney will receive legal questions for responses through the forum. From the received questions, he will pick which ones to discuss and answer on air through a video channel set up on the official website ( www.oneminutewithmike.com).

Tune in every week at noon to see if your legal questions were answered. The archive to legal questions will remain available for view of legal answers at your leisure.

Blick Law Firm not only offers this free Question and Answer format on ‘Minute with Mike’ but also, with a student ID,  we offer free consultation in person or over the phone.

Whatever legal questions you have, don’t remain in the dark with the answer. What are you waiting for? Think Quick, Ask Blick. 813-931-0840.

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