In addition to helping you in insurance matters, we have opened our experienced Finance Department to once again advocate for you, and help you keep your home. 

 

Our Real Estate Support Department is available for:

-Surplus Money Proceedings

-Commercial Foreclosures and Workouts

-Residential Foreclosures and Workouts

-Real Estate Litigation

-Sale/Purchase of Real Property

-Sale/Purchase of Cooperative Apartments & Condominiums

-Sale/Purchase of REO Property

-Sale/Purchase of New Construction

- Investments

- Evictions

 

Cick here to read about the latest Real Estate Scam!!!  http://www.miamiherald.com/457/story/215473.html

If you feel you have been a victim of PREDATORY LENDING, Please call us.  We can help!!!

Then, understand this.  Bankruptcy is only an option and we would like to help you avoid that.  Not with scams, or high interest refinance or quick cash sales.   

We use real law, for real people.  All 100% ethical and legal.

Under the Federal Bankruptcy Laws, and some State Laws, may be able to stop foreclosure, save your home and car, eliminate most debts, and  stop wage garnishment.

Many who have obtained mortgages or credit cards in good times find it impossible to meet their financial obligations when unforeseen events occur. Such events include the loss of one's job, investment in declining real estate or stock market, illness or injury resulting in high medical expenses. There is no  stigma attached to filing Bankruptcy.  It is recognized as a way for you to get a fresh start and get back on your feet.

If your home is foreclosed and sold at auction, many times the home is sold for much more then that actual debt owed.  That means the “surplus” money will sit in Court until someone claims it.  Your bank will hope you forget or are so happy they are leaving you alone, that at some point months later they will ask the Court for that money.   THAT IS YOUR MONEY.  Despite the sale, and foreclosure.  SURPLUS MONEY IS YOURS AND YOU CANNOT LET IT SIT IN COURT.  WE CAN HELP YOU RECOVER YOUR SURPLUS MONEY. 

Refinance your debt through a legitimate bank, not a high interest balloon scam, or work directly with your bank to establish  forbearance or workout program.

Stopping a foreclosure or even undoing the sale if we can prove fraud or that you were never notified properly pursuant to law about the foreclosure process or even predatory lending practices, promises quick refinance with high interest rates, or sales to third parties who will "let you live in your home, while they pay your mortgage."   Or, they will tell you to take a high interest rate for one or two years, then when your credit is better "well refinance you into a lower rate."  Problem:  Very high initial rate.  No lock in of lower rate in a year or two, and no obligation on their part to refinance you in two years, so now yours stuck in a bad loan.

 

JUST SOME OF YOUR OPTIONS...

CHAPTER 13:

Structuring mortgage arrears to be paid of a certain period of time, up to five years and repaying  unsecured debts (credit cards, medical bills, etc.) over that same  time. In some cases, unsecured debts can be paid as little as 10%.  Think about it, predators will tell you Bankrucptcy ruins your credit.  IT DOES NOT.  A Bankrucptcy followed by succefful repayments show new lenders that you used your fresh start as it was intended.  A foreclosure proceeding on your credit, has already ruined it.

CHAPTER 7:

May allow a person to eliminate most unsecured debt. To determine if you can save your home and car by filing a Chapter 7, you must speak with a bankruptcy attorney.
   
REFINANCING / WORKOUTS:

Refinance your debt through a legitimate bank, not a high interest balloon scam, or work directly with your bank to establish  forbearance or workout program.

COURT ACTION / ORDERS:

Stopping a foreclosure or even undoing the sale if we can prove fraud or that you were never notified properly pursuant to law about the foreclosure process.