Publications - Lawyers of South Florida Miami
Publications - Lawyers of South Florida Miami
People think that foreclosure is their fault. Banks, government, and media have some people think that way. However, it is not homeowners fault. Only borrowers should take the blame for that.
When you decide on foreclosure and ways to stop it, there are some options to consider:
- Modify and refinance for lower payments
- Assistance for unemployed homeowners
- Managed exit for borrowers
- Loan Modification
- "Making Home Affordable" Programs
- "HAMP" Programs
- "HOPE Now" Programs
Some customers would consider loan modification, especially for those that are late with payments and foreclosure fees. Sometimes when it comes to payments, than can be reduced permanently, and most of the time, payments will remain the same.
The concept between the lender and the borrower in the loan modification process is the same mostly. What customers should try to do is make a repayment schedule that lets them know that the borrower can afford to pay the mortgage payments while they maintain everything else in their life.
There are some instances where the payment of a loan has to be stopped because of less income than anticipated due to loss of job or a reduction of the salary, a family or medical situation, a cut down in the property and its value, or a change in loan structure the borrower wasn’t aware of, just to name a few. The lenders would consider these examples to be a hardship and they usually are open to changing the repayment plan of the mortgage loan.
In an effort to assist unemployed homeowners, it has been doubled in the length of time that an unemployed borrower's mortgage payments can be reduced or suspended. It has been made that the mortgage companies hired to handle the day-to-day management of the loans, to offer reduced or suspended payments to help unemployed borrowers weather financial hardships.
Training Police Dogs
A police dog, often referred to as a "K-9" in some areas, is a dog that is trained exactly to assist police and other law-enforcement workers in their work. The most commonly used breed is the German Shepard, although now Belgian Malinois are also justly popular dogs to use.
In many authorities the intentional injuring or killing of a police dog is a felony, exposing the committer to harsher penalties than those in the acts personified in local animal cruelty laws, just as an assault on a human police officer is often a more serious offense than the same assault on a non-officer. A growing number of law-enforcement organizations outfit dogs with ballistic vests, and some make the dogs sworn officers, with their own police badges and IDs. Furthermore, a police dog killed in the line of duty is often given a full police funeral.
A police dog must be able to work in both small and large towns, and will have continuous contact with citizens. The dog must behave well and listen to the trainer. For this, a K-9 handler goes through agreement training, and has to pass a test that includes commanding the dog off-leash. Just like the other training mentioned earlier, obedience requires multiple specific points that must be learned through training. The dog must be dutiful not just during the test, but also during work and in everyday life in different settings and both positive and stressful situations. The dog must be completely obedient to its owner. For this, the dog goes through a psychological test for service, and is also taught how to move through different obstacles. The dog is constantly exercised and played with so it uses its energy effectively and has to constantly achieve commands in different stressful situations, even with constant interruptions that might occur during work with the handler. Police that work in airports have a different set of criteria for working with their dog. For areas where there is constantly large amounts of people, vehicles, and noise, the dog handler must make sure that the dog behaves.
In order to skillfully train K-9 handlers, it is essential to learn the good methods. Master Dog Training teaches highly professional dog training skills reaching from bomb detection to narcotic discovery. There are multiple methods that can be used to teach a handler to properly work with his dog to perform the necessary skills. The trainer must teach a K-9 handler and his dog how to track a person and how to find objects in a 150′x150′ square area. These lessons must be able to be applied in every possible setting.
Let’s own up to it, Real estate can be a prolonged and very complicated process. Purchasing a piece of real estate whether it’s your first house or you’re trying to diversify you’re assets does not change the fact that it is one of the most important purchases you will make in your lifetime both financially and personally. Our lawyers will be able to help you with some issues that may occur while you are trying to purchase property such as acquiring the proper deed or accounting for all the taxes you have to pay on the estate. You may not need an attorney to purchase the property however it is a very wise decision to consult with one to make sure the decision you make in terms of property purchasing is in fact a wise one.
When it comes to the dynamic between Landlords and Tenants each party has their particular rights and is subject under individual responsibilities. As a landlord you’re responsible for maintaining safe and healthy environments for the tenants. The Landlord also has a set of guidelines to follow in case they have a tenant who is violating the terms of their agreement in any and behaving unruly in some form or fashion. When it comes to a tenant being evicted a landlord is only able to do so in a specific way. A landlord may not take or repossess any personal belongings from the tenant’s property, change the locks, bar the door in some fashion or forcibly remove a tenant from the property. The process of eviction is a legal matter and must be handled on the legal level. If you find yourself in a situation whether as a tenant or a landlord when you feel your rights are being infringed upon take some time out of your day a schedule a consultation with our law firm.
When you’re unable to make mortgage payments for whatever reason and you fall several months behind you find yourself sadly in a hole of debt most banks will file for foreclosure. Foreclosure is the process of the bank taking back possession of a house that they lent you the money for with the intention of selling in order to make their money back that was lent out. Because of the housing market today the foreclosure rates are high meaning houses are difficult to sale and ultimately it means that you have more time. Even if you’ve missed a few mortgage payments you still have options such as short selling or establishing a loan modification which will adjust your monthly payments into something you can afford. Our lawyers will help you talk to the bank and negotiate a solution that works out for everybody.
Breach Of Contract
Breaches of Contract can most easily be defined as when one or more parties simply does not hold up to their end of the agreement. In a very simple example you may enter a deal with a company for them to conduct a certain amount of work for a certain amount of pay, If the company we’re then to accept the offer and not finish what you’ve agreed upon you are in a breach of contract situation. Fortunately most of the time you’ll be able to settle a breach of contract out of the courthouse. Sometimes however in a deal between a big company or even a smaller company you could enter a situation where one of the parties loses a substantial amount of money. Going through all of the intricacies of a breach of contract can be incredibly taxing and stressful. If you find yourself in a breach of contract seek our firm out it’s highly important you get the best representation right away it could save you thousands.
Class Action Lawsuit
The only thing worse than having an issue with a particular company or person is for that issue to be a recurring one. Most likely if the issue you’re having is recurring it’s probably happening to others as well. You probably were not the first person to file or lodge a complaint and perhaps by taking appropriate legal action you can be the last. When found in a situation when it’s not only yourself but others that are plagued by the same grievance by an entity such as a company or even a single person you would file what is known as a class action lawsuit. There are a large number of federal as well as state laws that you must be aware of when filing a class action suit which is why it’s extremely important for you to higher an experienced lawyer to properly represent you.
Domestic Violence Defense
If someone you know or you have been charged with domestic violence it is with the utmost urgency the we implore you to call our law firm to get you legal representation straightaway. The repercussions from being found guilty can have huge impacts personally, legally, and even professionally. When charged with domestic violence you need a lawyer who is knowledgeable, professional and experienced in order to make sure that you’re being represented in a way that best suits your interest.
Drug Crime Defense
If you’re facing drug charges aka controlled substances call our law firm without delay. Penalties from both federal and state can be dire and extremely harsh. The penalties could include prison time, exorbitant fines or long bouts of probation. Let’s not forget what impact the charges will have on your criminal record and in turn your future, you may even be deported or have your driver’s license taken away. Never attend a court hearing of any sort without one of our attorneys by your side to protect your interest. When fighting charges as grave as these you don’t have to be alone.
Sealing and expungement are both ways of cleaning up your criminal record. In order to have your record expunged properly you’ll need a lawyer who specializes in criminal defense and has the proper skillset and knowledge. Expunging your record is about getting a fresh start on life. Even when your found not guilty or your arrested and not charged these things impact your record. Sealing and expunging are different however sealing is the act of sealing the criminal record away however someone will still be able to see that something is in your record just not what it was. Expungement however is the act of getting rid of the actual record so it appears as if nothing had ever happened.
What Is Civil Litigation
A civil lawsuit is the case or dispute between two or more people, businesses and other parties even government entities. The victim also known as the plaintiff will bring the case forward and ask most usually for money based off of perceived physical, emotional injuries. The person that the case is brought against is known as the defendant.
Difference Between Civil And Other Lawsuits
Unlike criminal prosecutions the plaintiff is the one held responsible for the cost of the litigation. However most attorneys handle their plaintiffs cases based on contingency meaning they may only make money if you win the case and they are paid out of the winnings if any. This is great for people that have rightful complaints but do not necessarily have the funds at the moment to pay up front. In civil suits the plaintiff has greater control over the decision making than in a criminal prosecution and the attorney directly represents the plaintiff’s interest.
Filing A Civil Lawsuits
At our firm you don’t have to worry about filing your civil lawsuit. Once you hire us we make the lawsuit process as simple and easy as possible this includes filing the lawsuit for you. As with everything else during your lawsuit our Lawyers will make sure you get the compensation you deserve and that we answer all the questions you have for us to make this a painless and non-frustrating ordeal.
We make Divorce settlements as quick and easy as possible
Attorneys that Care
We understand that divorce is one of the most uncomfortable processes our clients and their children especially will ever have to experience. We can’t promise to make you feel better about the way things have turned out between you and your spouse, but we can promise to make sure you’re educated and have a very thorough understanding of the divorce process to keep you from added frustration.
Property Division And Alimony
Using the rules of equitable distribution the court will divide all the property and or debt you and your spouse have acquired during your marriage. Alimony is for spouses that have become economically dependent on the other spouse in some states it’s known as spousal support and is usually referred to as maintaining the lifestyle for the other spouse for which they have become accustomed basically meaning that the more money you make the more money you give or vice versa.
If there were any children within your marriage and they’re still minors the court is obligated to approve a parenting plan and order custody for the children including visitation rights and the responsibilities. Depending on how much time is spent with the children and the respective incomes of the individual parents as well as other factors the court may order that child support must be paid to one of the spouses.
Let's put it behind us, Bankruptcy Solutions.
There’s bank after bank and organization after organization promising to get people their clients out of debt only to fall short and end up treating the clients that trust them with their financial lives like numbers. All they truly care about is keeping you afloat so they can keep collecting income from you. The credit card companies increase their interest rates without warning and then refuse to allow reasonable payment plans. As a bankruptcy law firm we help people on who seek debt relief with personalized payment plans and services that are practical. We’ll make sure you understand all of your options fully and will assist you on making the choice that’s best for you and your families.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is pretty straight forward, It simply wipes out most types of debts completely. We’re talking about credit card debt, medical bills and repossession deficiencies are the among the ones to commonly get wiped out by the chapter 7 bankruptcy clause.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is basically a loan repayment program that is setup by a bankruptcy trustee and what the trustee does is consolidates your debt and then organizes a 3 to 5 year interest free repayment plan. The payment plan is not based off of how much you owe but rather how much you can actually afford to pay. If you make all of your payments through the bankruptcy court even if you’re not able to pay off all the debt your debt will legally be considered paid.