Legal Help For Loan Modifications, Foreclosures, Bankruptcy and Abusive Debt Collection
We are the attorneys of the Florida Home Relief Team located in West Palm Beach, Florida. It is our mission to help you with the challenges you are facing as you struggle to make your mortgage payments in these tough economic times. Did you know that there many options available to you by Florida law to stop the harassment of threatening letters, endless phone calls demanding money and your Lender and their attorneys doing everything they can to take your home away from you? Did you also know that the federal government is currently offering assistance to homeowners to provide economic relief and keep you in your home?
The Attorneys of the Florida Home Relief Team are here to protect homeowners rights in South Florida.
Your mortgage lender has attorneys working around the clock trying to take your home away from you. Do not despair. You may think that all is lost and you have no options, but this is absolutely not true! In fact, not only is Florida law on your side, but early this year President Obama signed the Homeowners Economic Stimulus Act to prevent the possible loss of your home. This federal program was designed for homeowners just like you who may have fallen behind on your mortgage payments. We can help you STOP FORECLOSURE, fight for your rights and SAVE YOUR HOME.
The Florida Home Relief Team attorneys are experts who have over 50 years experience helping Americans relieve the burden of overdue mortgage payments, past due medical bills and credit card debt. We can help SAVE YOUR HOME and keep you and your family in your house and possibly reduce your monthly mortgage payments by 20% - 50%.
See how our law practice can help protect your legal rights with a Mortgage Loan Modification, Foreclosure, and Bankruptcy. We can even help protect you from Abusive Debt Collection practices.
We invite you to explore our website, educate yourself on your options, the due process of Florida law and how our experienced attorneys can help you discharge your debt, relieve you of the harassing phone calls, letters and sleepless nights.
Our 50+ years of combined experience enables us to offer a wide range of solutions to provide relief to you and your family to SAVE YOUR HOME. We are advocates for Justice! In America, it's your right, but often it does not come without a fight.
CALL 561.688.0991 ANYTIME OR SCHEDULE A CONSULTATION ONLINE
Home Loan Modification - Are you finding it increasingly difficult to pay your mortgage?
You are not alone. Over seven million American Homeowners are finding it difficult to meet their mortgage obligations.
The Florida Home Relief Team will conduct a FREE EVALUATION to see if your situation can qualify for a Loan Modification.
The result may be your mortgage payments being lowered in order for you to get back on track, pay your mortgage payments on time, keep your credit from getting destroyed, and most importantly...help you avoid foreclosure. Just apply online for a Loan Modification.
Do You Qualify for a Loan Modification?
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Tried to refinance but got turned down? Many homeowners with adjustable rate mortgages are trying to refinance but simply can't qualify under stricter lender guidelines. When the housing market began to decline and lenders were forced to cut back or even close the doors altogether, it became much harder to get a loan. This puts homeowners in great disparity. Loan modification, however, is proving a viable way to work out an agreement when refinancing isn't possible. It doesn't matter what your credit score is, no credit checks!
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Suffered a hardship? Life deals its blows. As we all know, there is just nothing you can do at times, even if you want it. In this tough market, people are getting laid off from their jobs and have no means to pay their monthly mortgage. Others are dealing with the issues that pop up throughout life. Family illness, accidents that cause injuries, a decline in income and unexpected events are all legitimate reasons for falling behind on a mortgage that would otherwise be getting paid on time. Lenders are pretty open to workouts for hardships, especially when you show an ability to pay in the future. You'll need a hardship letter and we can help you put one together.
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Home value has dropped. With a declining market, many homeowners end up owing more than the home is actually worth. Our mitigation department will work to establish a principal reduction in your mortgage to lower your loan balance.
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Simply can't keep up with the mortgage. As the economy and individual markets suffer, many people are seeing once stable and dependable income decline to a point that they can't afford their home any longer. It's possible a loan modification agreement can be reached that would bring payments to a more affordable level.
Are you having difficulty refinancing your current mortgage?
The experienced attorneys of the Florida Home Relief Team will determine according to your hardship and current circumstances on how to negotiate with your lender to get your mortgage to a manageable level for you to retain your home. No Equity? Upside Down On Your Mortgage? Are you stuck in high Adjustable Interest Rate? Are you about to have your Rate Adjusted? Our Loss Mitigation Department will negotiate a plan that is affordable to the borrower and satisfactory to the lender. No Credit Check. No Refinance Costs. Find out if you are able to qualify for such a program with a FREE EVALUATION from the Florida Home Relief Team. It is imperative that you reach out to a professional source for your loan modification. The information necessary for an effective result may vary per lender. What you DON'T DO is as important as what you DO. Consumers usually have no experience in loss mitigation or loan modifications and the lenders know this, and so it is easy for someone attempting their own loan modification to have issues getting results. There are many Loan Modification Mistakes we help you to avoid for successful results.
Find Out More By Clicking Here.
CALL 561.688.0991 ANYTIME OR SCHEDULE A CONSULTATION ONLINE
Foreclosure Defense - Do You Need Help To Stop A Foreclosure?
Every day, hundreds of people in Central Florida continue to slip into the foreclosure whirlpool and spiral downward toward the day they may have to leave their home. What should you do if you are on the verge of getting a foreclosure notice?
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Unable to keep up with your mortgage payments?
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Fearful of losing your home?
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Getting harassed by your lenders?
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Consumed with worry that keeps you from sleep at night?
We have solutions. One phone call CAN help! Whether you want to unload the financial burden, sell or re-negotiate your rates, our team of experts will help you determine what options are best for you and hold your hand through the entire process.
Foreclosure Defense and Loss Mitigation
Foreclosure defense is the process that takes place when an attorney representing the borrower/homeowner asserts all relevant defenses to defeat the foreclosure action brought by the lender.
Many homeowners are not aware that there are usually several defenses that can be asserted on their behalf in every foreclosure action. These defenses usually have something to do with the conduct of your loan officer, items not properly disclosed and regulatory requirements that the lender has not complied with. Our firm will conduct an in depth analysis of your case and assert all relevant defenses to fight your foreclosure.
But Beware! Do not call the one of those signs posted illegally on rights of way or telephone poles -- the signs promising to save your home fast! Potential scam artists can sound persuasive and legitimate, but they prey on vulnerable homeowners.
Only an attorney or lawyer can do this for you
We pride ourselves on our commitment to providing affordable high quality, aggressive representation to our clients. If you are facing foreclosure and you have received a Notice of Default or a Letter of Trustee Sale; then call us right away. With a quick FREE EVALUATION by the expert attorneys at the Florida Home Relief Team, we will be able to determine if a Foreclosure can be avoided. You may qualify for a loan modification. A bank has no interest to have your home go into foreclosure. Foreclosures are very expensive for them and result is another home in their REO department to worry about.
Did you know the average cost to a lender for the foreclosure process can be up to $50,000! The bank would rather you keep your home and pay your mortgage. That is why the attorneys of the Florida Home Relief Team will use all its resources to prevent a foreclosure from occurring even up to 48 hours before a Trustee Sale.
If you are facing foreclosure or are afraid that is where you are headed, do not wait any longer. You must take the first step to prevent foreclosure. Call us Toll Free or Submit an online confidential information today and one of our Florida Home Relief Team Specialists will contact you within 24 hours.
We listen to you, we learn about your situation, and we use our experience to develop a course of action with you that you feel is most beneficial. For over 20 years, the lawyers at the Florida Home Relief Team have helped people in Ft. Lauderdale, Miami, West Palm Beach and throughout Florida, solve their financial problems. Let our experienced consumer bankruptcy and foreclosure defense attorneys help you deal with credit card debt, mortgage foreclosures, lawsuits and IRS tax problems. The Florida Home Relief Team is a nationally recognized law firm that practices in FL. We specialize in the areas of Foreclosure Defense, Loss Mitigation, Debtor Workouts, Bankruptcy, Real Estate Transactions, Real Estate Litigation and Mortgage law.
CALL 561.688.0991 ANYTIME OR SCHEDULE A CONSULTATION ONLINE
Bankruptcy - Considering Your Bankruptcy Options?
Contact the South Florida bankruptcy lawyers at Florida Home Relief Team today if:
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You are 3 months or more behind on your mortgage or bills.
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Your bills are more than your income can support.
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Your car is about to be repossessed.
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Your wages are being garnished.
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You are going to court and facing a possible judgment.
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You are waiting on a Personal Injury settlement, but need help.
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Your medical bills are too high to pay.
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The Credit Card bills seem endless.
Should I File? It happens quickly: bills are piling up, your situation changes, the housing marketing is in the tanks, and interest and fees are racking up. How are you going to get yourself back on track? Does this situation sound familiar to you? If so, a solution for you may be to file bankruptcy.
Personal Bankruptcy
We specialize in Chapter 7 and Chapter 13 Bankruptcy protection:
What Is Chapter 7 Bankruptcy? Chapter 7 is the most common form of bankruptcy in the United States. Chapter 7 governs the process of liquidation under the United States Bankruptcy Code. In Chapter 7 bankruptcy, the individual is allowed to keep certain exempt property (such as real estate mortgages and security interest for car loans). If you have questions about Chapter 7 bankruptcy, please complete our form and a bankruptcy attorney will be in contact with you shortly with a free evaluation.
What Is Chapter 13 Bankruptcy? Chapter 13 bankruptcy is a way for individuals in the Unites States to reorganize their finances under the supervision of the federal bankruptcy court. The advantage of Chapter 13 over Chapter 7 is the ability to stop foreclosures.
Deciding between these two options is a complex procedure that should be determined with the advice of a professional. These and other questions will be answered during your free evaluation.
The Florida Home Relief Team have helped many individuals choose the best financial option given their unique situation. Many times, bankruptcy is not the best option available. We can offer you many options you have perhaps never considered.
The Florida Home Relief Team offer a personalized, compassionate practice that can quickly identify your financial goals, and recommend the most efficient course of action, including debt counseling and refinancing. Many times, these non-bankruptcy options can eliminate debt while preserving your credit rating.
STOP CREDITOR HARASSMENT IMMEDIATELY
Personal bankruptcy is an emotional but sometimes necessary decision that should not be taken lightly. The South Florida bankruptcy lawyers at the Florida Home Relief Team understand the embarrassment and hardship a personal bankruptcy may cause, and will work hard to develop a quick and confidential resolution to your financial problems. WE CAN ELIMINATE DEBT RIGHT NOW. LEGALLY!
If divorce, illness, job loss, or other unforeseen hardship has led to a financial crisis, The Florida Home Relief Team are your best option for a FRESH START and a CLEAN FINANCIAL FUTURE. We can stop credit card companies and other creditors IMMEDIATELY from taking you to court and imposing judgments against you. You will not have to hear from them again because they will have to DEAL WITH US.
PROTECTING ASSETS
The Florida Home Relief Team is on your side to Protect Assets, Eliminate Debt, and Stop Harassment
Many times, honest, hardworking people find themselves in a severe financial crisis because of illness, job loss, or some other unforeseen circumstances. After years of faithfully building up savings and assets, they face financial ruin, and an endless repetition of garnishments, judgments, and creditor harassment. US bankruptcy laws are specifically designed to assist individuals and businesses in getting a fresh start after unfortunate financial developments.
One of the most frightening aspects of bankruptcy is the potential loss of assets that is where the South Florida bankruptcy attorneys of the Florida Home Relief Team enter the picture. They have experience helping many clients keep and protect their assets, including:
Homes | Cars | Motorcycles | Possessions | Property | Savings | Retirement Plans | Investments
The Florida Home Relief Team are intimately familiar with the bankruptcy laws of Florida, and can help each client develop a personal bankruptcy plan and a set of financial goals designed to identify protected vs. unprotected assets. In addition, they can examine all assets as they relate to Florida bankruptcy exemptions, and will work hard to identify discounted values for particular items so they fit within exemption standards.
A NOTE ON HIDING ASSETS
The attorneys of the Florida Home Relief Team firmly believe that an honest approach to bankruptcy proceedings is the best course of action for financial recovery and long-term financial health. Assets cannot be transferred for less than market value, even to family members. The bankruptcy court can actually go back as many as 4 years looking for fraudulent transactions under Florida law. These transactions can then result in severe financial penalties, and even criminal charges. We can help you protect or handle assets so you receive value from the assets within the law and receive bankruptcy relief.
Contact our Florida Home Relief Team South Florida bankruptcy lawyers to schedule an informative consultation that will help you take control of your financial affairs and reduce your anxiety. Our bankruptcy attorneys will help you determine if bankruptcy is the right option for you, and what other options may be available given your unique situation.
A qualified attorney will review your case and discuss your options. This FREE informative, initial consultation will give you knowledge, options, and direction that can put you in control and help you manage debt. TIME IS NOT ON YOUR SIDE, SO DO NOT WAIT. Contact us today, so we can help you.
CALL 561.688.0991 ANYTIME OR SCHEDULE A CONSULTATION ONLINE
Contact our Florida Home Relief Team South Florida bankruptcy lawyers online now by calling 561.688.9091 or by clicking here to schedule an informative consultation that will help you take control of your financial affairs and reduce your anxiety. Our bankruptcy attorneys will help you determine if bankruptcy is the right option for you and, what other options may be available given your unique situation. A qualified attorney will review your case and discuss your options. This informative, initial consultation will take less than an hour and provide you with knowledge, options, and directions that can put you in control and help you manage debt. Do not wait. Contact us today, so we can help you
Abusive Debt Collection - Is It Causing You Anxiety and Sleepless Nights?
The federal government has guaranteed rights to protect you and your family. We have provided a link the governments' website so you can begin to empower yourself and know that help is available for you. Knowledge is power and the attorneys of the Florida Home Relief Team will help protect your rights.
www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
Stopping Illegal and Abusive Debt Collection Practices in Florida
The South Florida, Florida Home Relief Team provides high quality and professional legal services, with a compassionate and human touch, to people who need legal help under the Fair Debt Collection Practices Act (FDCPA).
Have My Rights Been Violated Under the FDCPA? Our attorneys can assess if your rights have been violated by illegal, deceptive, or abusive collection practices and protect you from creditor harassment.
You may even have the right to recover damages from collection agencies or lawyers who have contacted you concerning the collection of your debts. Contact us if you can answer yes to any of the following:
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Threatened with garnishment, liens, or arrest for not paying a bill?
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Collection agency called your neighbors, friends, or employer?
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Received abusive phone messages from bill collectors?
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Sworn at or insulted by collection agents on the phone?
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Called by a collection agency at your workplace after telling the collector not to call you there?
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Lied to, threatened, harassed by a collector? Received collection notices requiring payment in less than 30 days or you will be sued?
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These are all potential violations of the FDCPA. Many debt collectors routinely violate the provisions of the Fair Debt Collection Practices Act and we can stop abusive collection behavior.
About The Florida Home Relief Team
The Florida Home Relief Team Attorneys serve all areas of Florida, including West Palm Beach, Fort Lauderdale, and Miami. Our experienced team of attorneys assists clients with Loan Modification, and Foreclosure Defense, Loss Mitigation, and Bankruptcy. We offer free, no-obligation consultations for new clients. Take the first step to getting your life back on track by calling us at 561.688.0991, or fill out our FREE CONSULTATION FORM to schedule an appointment. Hiring our law firm is affordable and payments can be made based on your financial situation.
Our firm focuses on helping those burdened with debt they can no longer afford. Our approach is to look at the total picture and come up with a plan individualized to meet your needs. Our goal with each client is to come up with a permanent solution so each client can move forward in life without being burdened, depressed, harassed and humiliated by debt they can no longer afford to pay.
As attorneys representing homeowners in foreclosure actions, we often negotiate any or a combination of the following possible resolutions: 
CALL 561.688.0991 ANYTIME OR SCHEDULE A CONSULTATION ONLINE