Bankruptcy:
We file chapter 7 and chapter 13 cases for individuals if your debt has become overwhelming. We offer low payment plans. Keep your home and vehicles while discharging your credit card debt and some taxes. Stop creditor calls, garnishment, repossessions, foreclosure and lawsuits. You may be interested to know that the new Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 allows for Chapter 13 debtors who are filing to stop a foreclosure can now make zero payments to their credit cards in a Chapter 13 Plan (previously 20% was mandatory).
- Bankruptcy can help. Start fresh. Low Payments.
- Strip 2nd mortgages from underwater homes.
- Do you hate answering the phone?
- Are you using one credit card to pay another?
- Are you swamped with bills?
- Do you need to stop a lawsuit, foreclosure, garnishment or repossession?
- Have you suffered the loss of a job, cut in pay, illness, divorce?
- Do you never seem to get ahead?
- Is your home threatened by foreclosure?
We also provide representation for creditors for motions to lift the automatic stay, valuations of secured property, reaffirmation agreements and adversary proceedings in the State of Florida.
Foreclosure Defense: Were you steered into a bad loan? A recent study found that about 60% of homeowners who applied for mortgages were given a subprime loan, even though they qualified for a standard prime loan. A common problem with these loans were that they were nearly impossible to pay back under the terms of the loan. Housing prices are dropping at a rapid rate and foreclosures are at their all time high in over 50 years.
Many people are trapped in impossible mortgages and need the services of an attorney to defend the foreclosure and allow time to arrange for a loan modification, to save money to move to a rental, short sale, negotiation of a deficiency balance waiver, deed in lieu of foreclosure, avoid bankruptcy and in rare cases actually invalidate the note and/or mortgage entirely. The firm offers litigation services and negotiation via flat fees to achieve the client's goal. By hiring an attorney when the summons and complaint are first received, clients maximize their chance of reversing the foreclosure mess they are in. Homeowners often believe that a lawyer cannot help them, but in the current climate, there are many successful cases where homeowners can prove they were the victim of a subprime, pay-option or predatory loans. Mortgage companies may not have complied with various federal laws including the Truth in Lending Act (TILA) (requires the lender to disclose everything about the loan in clear and understandable terms), Real Estate Settlement Procedures Act (RESPA) (laws governing the closing costs and closing transaction); and the Home Ownership and Equity Protection Act (HOEPA) (an amendment to the TILA governing dealings surrounding mortgage refinance loans and home equity loans as well as State laws and limitations on sales and assignments in securitized pool transactions.
Just because you have defaulted on your mortgage(s) does not mean that you are at the end of the road. Instead of packing, contact an attorney to determine what can still be done to either keep you in your home or let it go with as little damage as possible to your finances and credit.
Employment Law: We represent victims of Employment Discrimination in areas such as unpaid wages, whistleblower, sexual harassment, age discrimination, Family Medical Leave Act violations, gender dicrimination, HIV/AIDS discrimination, race discrimination, invasion of privacy, dafamation of character among other causes of action. Most of these cases are on a contingency basis where we collect no fee if the case is not successful.
We also negotiate severance packages, employment and compensation agreements and covenants not to compete.