If you are fighting improper debt collection or dealing with foreclosure, the Florida foreclosure defense of The Legal Connection can serve you. We are a litigation law firm, dedicated to service. Our focus is on treating our clients the way we would want to be treated. This includes treating our clients’ cases as if they were our own. Please look below at all of the different areas that our firm handles.
Whenever faced with a difficult decision in defending a foreclosure or fighting against improper debt collection, we always ask ourselves, what would we do if this were our house or if this were our case? After that, the best course of action is often quickly determined. The amount of effort, energy, and time required to best serve our clients is never a factor in our decision-making process. The foreclosure defense at The Legal Connection wants to serve and help you achieve your goals.
Each client’s goals are unique, and your goals will be the single most important factor in the decisions we make while serving you. We have helped clients obtain successful results in and around the FLORIDA area from defending against foreclosure and fighting improper debt collection. Perhaps you want to save your home via a loan modification or sell it without owing any money to the bank. You might want to obtain a “short payoff,” so you can discharge the mortgage for less than you owe. There is also the possibility of signing over the property and being relieved of any debt via a “deed-in-lieu” of foreclosure. In some instances, it may be best that we help you sue a bank, financial institution, or debt collector. Or, you may need us to take your case to trial and win! An online court docket check will reveal that numerous foreclosure cases against our clients have been dismissed, either before, during or after trial. We have also won cases on appeal. We have helped clients in foreclosure cases brought by every major financial institution and every major bank law firm.
A Short Sale is a process of selling a home for less than the loan amount. In order for this transaction to occur, a third party that is usually a bank has to approve it.
A Short Sale typically follows financial hardship. In this tough economic climate, Short Sales are extremely common. Divorce, unexpected medical expenses, loss of income, and owing more on a home than it is worth may motivate a homeowner to Short Sale their home. Typically, Short Sales do not look as bad on a credit report as a foreclosure, nor do they stay on as long.
A Short Sale can be a lengthy process. It can also be time-consuming and complicated. That is why you need to call The Legal Connection as soon as you begin considering short selling your Florida home.
Because a Short Sale needs to be approved by the mortgage holder, you may need to provide proof of hardship. Documents will need to be prepared to prove hardship due to divorce, loss of wages, loss of other income, medical expenses, or other forms of hardship. The short sale team at The Legal Connection can guide you through this process.
At The Legal Connection, we realize that if you are dealing with debt collectors and their lawyers, you may be experiencing harassment by home telephone, by cell phone, or by mail. These days many debt collectors are using unfair, unethical, and even ILLEGAL methods to collect their debts. If you are being harassed by debt collectors and would like to know if they are breaking the law, take a look at our FDCPA violations checklist. And guess what? If you ARE being harassed by debt collectors in an illegal way–The Legal Connection will partner with you to not only stop the harassment but to make things right and turn the tables–YOU can take THEM to court.
You can find a copy of the entire Fair Debt Collection Practices Act by clicking here: FDCPA
The FDCPA lists pages and pages of violations. Here are some of the more common violations that we hear about from our clients:
Again, there are many more violations listed in the Fair Debt Collection Practices Act. Our staff will review a checklist with you and answer any questions regarding your harassment case during your free consultation.
The Legal Connection specifically represents only landlords in eviction cases. Chapter 83 of the Florida Statutes governs landlord/tenant disputes for residential and commercial tenants.
A strong lease is the best weapon for a landlord seeking to evict a tenant. Eviction cases don’t have to be just for the non-payment of rent.
The Legal Connection has processed eviction causes of action for a specific violation of material lease provisions, damages caused to the property being leased, abandonment of the property, and the holding over of leased space by a tenant.
From the issuance of a three-day notice to the filing of an eviction or quiet title lawsuit, our eviction team is ready to handle eviction cases on behalf of any landlord in the State of Florida. Where applicable, we use the summary procedure provided by the Florida Statutes to attempt to reclaim possession of the leased property for a landlord. The Legal Connection understands that the more time that passes without a tenant paying the agreed-upon rent, the more money the landlord loses in the long run. Our ability to process an eviction claim quickly is a major reason our clients hire us for eviction related claims.
If you are in need of a Florida eviction attorney to review, negotiate or prepare your lease or contract, or handle your business, real estate, commercial transaction, or eviction case, please feel free to contact us at any time.
If you are struggling to pay your mortgage and are afraid you may soon be facing foreclosure, there are options available to you. A mortgage loan modification may help you bring your mortgage up-to-date and avoid foreclosure. However, a mortgage modification is a complicated process which is why you need to speak to a qualified modification lawyer before reaching out to your mortgage company.
Whenever you change the terms of a mortgage or other loan, it is considered a modification. After the recent mortgage crisis, the federal government established a program known as the Home Affordable Modification Program (HAMP).
The program was designed to lower monthly mortgage payments in order to make them more affordable. If you qualify, the modification may adjust your interest rate, extend the term of your loan and could reduce or delay principal payments. On average, a modification saves approximately $500 per month.
If you owe significantly more than your home is worth, you are automatically evaluated for principal reduction.
In order to qualify for a modification of your mortgage loan, you must meet the following criteria:
There are several factors considered when determining whether a mortgage modification will work for you. You need to consider what the value of your home is now and what it will be worth one year from now. Also remember that foreclosure can bring significant legal fees and, if you must relocate, there will be costs involved in a move, such as utilities and security deposits. You also need to consider what price the home will sell for in a foreclosure sale and whether you are actually at risk of defaulting on your mortgage loan.
If you believe that you are facing foreclosure on your home, you need to speak to a qualified attorney who can advise you whether modifying your mortgage is the right option for you. Contact The Legal Connection today to learn what rights you may have and how they can help. You can arrange for an initial consultation by calling or visiting our website.