tag:blogger.com,1999:blog-84924058159766651702024-03-12T17:01:47.688-07:00Experienced Attorneys, Aggressive Representation With a Personal TouchEric Lanigan and Roddy Lanigan, Lanigan & Lanigan, P.L., Winter Park, FL.
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.comBlogger21125tag:blogger.com,1999:blog-8492405815976665170.post-84840059690908331682016-03-31T09:39:00.000-07:002016-03-31T09:39:13.540-07:00Rebuild Your Credit After Bankruptcy<h3>
Bankruptcy: Should You File? </h3>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9DAR5t96RpneQ9cJ1fkQ9lcUeiOPKWWk0K-PJ7Ps1RtoTLi9qI10Bkb-gHtT2bRj1eyritp-AWMXOkzHUssWQiQmLA8mxOeIIVrom-jp0CTCYXuKV9Mujbexk-ajRI4ub4yETnsf9FUs/s1600/Top+Florida+Bankruptcy+Attorneys.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9DAR5t96RpneQ9cJ1fkQ9lcUeiOPKWWk0K-PJ7Ps1RtoTLi9qI10Bkb-gHtT2bRj1eyritp-AWMXOkzHUssWQiQmLA8mxOeIIVrom-jp0CTCYXuKV9Mujbexk-ajRI4ub4yETnsf9FUs/s320/Top+Florida+Bankruptcy+Attorneys.JPG" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Eric Lanigan and Roddy Lanigan discuss strategy.</td></tr>
</tbody></table>
If you're asking an attorney whether you should file bankruptcy, the question is not theirs to answer. You already know the answer to the question. It's personal, it's your business and your family's future.<br />
<br />
<a href="http://bankruptcy-lanigan.com/eric-a-lanigan/" target="_blank">Eric Lanigan</a> and <a href="http://bankruptcy-lanigan.com/roddy-b-lanigan/" target="_blank">Roddy Lanigan</a> of <a href="http://laniganpl.com/winter-park-florida-attorneys-eric-a-laniganeric-a-lanigan%E2%80%A6-park-attorney/" target="_blank">Lanigan & Lanigan, P.L.</a>, in Winter Park, Florida, handle business and civil lawsuits, bankruptcies, securities and investment losses, real estate law and appeals in Florida.<br />
<br />
Clients include Florida land, home and business owners from around the U.S., from Asia, from Europe and Florida. One thing tends to come up frequently in regard to rebuilding after a bankruptcy.<br />
<br />
If your business is being sued by a creditor, or you had overwhelming medical bills, went through a nasty divorce, fell behind on your mortgage, lost some income…you’re not unlike business owners, families, single parents and individuals across the country.<br />
<br />
Florida went through a complete economic disruption that began in 2007. Some families and businesses never recovered.<br />
<br />
Sometimes life's emergencies disrupt the most solid financial plans and personal and professional economic goals. When there is too much debt and the level of income will never result in paying off debts, bankruptcy may be the answer.<br />
<br />
The real answer lies in a formal consultation with an experienced Florida bankruptcy attorney who will be tell you whether bankruptcy will solve your financial challenges. Before you meet with bankruptcy attorneys, get comfortable with the idea that financial mistakes happen to everyone. Then, plan your economic future. Eric Lanigan and Roddy Lanigan have filed thousands of bankruptcies for Florida businesses, individuals and families. There's not really a situation that we haven't seen or dealt with.<br />
<h2>
Recover from Bankruptcy</h2>
The first concern people have in filing bankruptcy is whether you can recover from bankruptcy. Will you be able to apply for credit? Will you be able to get the business back to where it should be and prove financial stability to investors?<br />
<br />
What steps will you have to take so that you can recover from bankruptcy? Will your bankruptcy attorney be able to help you and guide you through steps that you should take after your bankruptcy is finalized?<br />
<h2>
Credit Building Tips:</h2>
<ul>
<li>Pay all bills early so that no bill is ever paid late</li>
<li>Pay more money than what is due on any loan, credit line</li>
<li>Use a pre-paid credit card for emergencies only</li>
<li>Build a savings account that is not touched</li>
<li>Not applying for lines of credit</li>
<li>Live within your means and pay cash for purchases</li>
<li>If you don’t have the money, don’t spend</li>
<li>Think before spending: is it a necessity?</li>
<li>Get a co-signor on a loan that can be paid in full, on time for loan duration</li>
<li>Become authorized user on family member credit line</li>
<li>Open a certificate of deposit at your bank to show ability to put money away</li>
</ul>
<h3>
How Do You Choose a Bankruptcy Attorney?</h3>
If you’re a price shopper, you have to know you’ll get what you pay for: you should wonder why a price for a bankruptcy is lower than all others. Will you be responsible for additional fees later? Will you be responsible for certain paperwork normally filed by a bankruptcy lawyer?<br />
<br />
Yes, it's difficult to consider spending several thousand dollars upfront to file bankruptcy. However, you've got a lot of debt, creditors, possibly a business and family that need financial reorganization. If you want something done properly, with the best possible legal advice and guidance, start saving for the bankruptcy filing fee.<br />
<h2>
Do Not DIY Bankruptcy</h2>
Bankruptcy is not a Do It Yourself area of law. Bankruptcy is Federal Law handled in Federal Court. Contrary to popular belief, Federal judges do not allow for time wasted by people in court who do not know the law. Lawyers know the law, all of the law, and how court procedures are handled.<br />
<br />
Don't be fooled into thinking that a Federal judge will take pity on you; expect that you will be reprimanded for wasting the court's time if you don't know what you're doing or have no semblance of what protocols to follow in a Federal Courtroom.<br />
<br />
Your primary concern when money is tight might be to find the cheapest lawyer. Instead, look for the bankruptcy attorney experienced, knowledgeable and able to foresee where there will be challenges in your case.<br />
<h3>
No Bankruptcy Case is the Same</h3>
No bankruptcy case is the same because no one has the same economic situation. If you're looking to rebuild your business and setup your family for future financial success work with the attorney that has seen and who knows what to expect.<br />
<br />
Knowledge, skill, quality legal counsel is not discounted. There are no bargains when an attorney provides legal services. An attorney should perform at a peak and consistent level.<br />
<br />
Your need to save money on fees may cost you the quality of legal services. No one gets free legal advice or services in bankruptcy because it is a set legal process with extensive paperwork that has to be filed carefully for every client.<br />
<br />
You have to find the bankruptcy lawyer that you’re comfortable with, but as important, is finding the lawyer who has experience to know every aspect, twist and turn that will come with filing bankruptcy.<br />
<br />
When you work with attorneys who have seen all the tactics pursued by creditors in Chapter 7, Chapter 11, Chapter 13 bankruptcy you can relax. They’ll know exactly what to do with your case.Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0831 W Morse Blvd, Winter Park, FL 32789, USA28.5979605 -81.36008300000003128.597525 -81.360713500000031 28.598395999999997 -81.359452500000032tag:blogger.com,1999:blog-8492405815976665170.post-31692630386984923652014-12-07T21:48:00.000-08:002014-12-07T21:48:26.915-08:00Foreclosure When the Original Note Was Lost<div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiU0Cul9vqeUKKKMZeQbzGbdJ_EFnnuwWLEDDtHUkcwvP35L1SdDA-XPsMgB4FTq93uWCICkTL5jyDvFXUEUV5M3MURMpzM2gGagN6lvX7QB1x9VSc2jPwx3_m0okGdJ2ZHNoWhx1RxOqQ/s1600/florida+home.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiU0Cul9vqeUKKKMZeQbzGbdJ_EFnnuwWLEDDtHUkcwvP35L1SdDA-XPsMgB4FTq93uWCICkTL5jyDvFXUEUV5M3MURMpzM2gGagN6lvX7QB1x9VSc2jPwx3_m0okGdJ2ZHNoWhx1RxOqQ/s1600/florida+home.jpg" height="213" width="320" /></a></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12pt; line-height: 115%;"><a href="http://bankruptcy-lanigan.com/eric-a-lanigan/" target="_blank">Eric Lanigan</a>, Winter Park, Florida, <a href="http://laniganpl.com/2013/08/22/foreclosure-defense-when-bank-says-the-original-note-was-lost/" target="_blank">foreclosure </a>lawyer talks about cases
where the bank claims in the foreclosure action that it doesn't have the
original note because it was lost.</span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12pt; line-height: 115%;">Often, the bank will say the note really
wasn't lost, that it was destroyed or misplaced in the securitization process.</span></div>
<h3>
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">First: Where is the Note?</span></h3>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">The reality is it doesn't really matter if it was destroyed because
under the Florida statute that deals with establishing the validity of a lost
instrument, the note can either be destroyed or it can be a situation where the
whereabouts are just unknown. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">It can be a situation where the whereabouts are unknown but in the
possession of someone who shouldn't have it and refuses to relinquish it. So
you can have anyone of those situations and it falls under the lost note
statute. So you have to prove one of those things to begin with.</span></div>
<h3>
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">Second: Proof the Note Wasn't Transferred </span></h3>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">The second thing that the bank has to prove is that the note was not
transferred by the person who last had lawful physical possession of the note
to somebody else. This is significant when the copy of the note, which
theoretically the lender does have in a foreclosure action, but they just can't
produce the original. </span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">It may show that it was a blank endorsement. In other
words the endorsement just says, “pay to the order of” and then, it's a blank
and then the original lender has signed it.</span></div>
<h3>
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">Third: What are the Terms of the Note?</span></h3>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">The third thing that the bank must establish-- it's a multi-part third
element--is what are the terms of the note. In other words, how much is it for?
What's the interest rate and what's the payment schedule? <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">They have the right to enforce the note. In other words, one of those
other things has not occurred. That there wasn't a lawful transfer of the note
by someone in possession before it allegedly was supposed to be transferred to
the bank now seeking to enforce it.<o:p></o:p></span></div>
<h3>
<span style="font-family: Arial; font-size: 12pt; line-height: 115%;">Prove One, Two, Three</span></h3>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">The bank has to prove all three of these elements proving competent
evidence through documents and testimony that comply with the rules of
evidence.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
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<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">If you get served with foreclosure papers or you've got a pending
foreclosure and there's a count in there to establish a lost note, you need to
get to someone who's competent in the rules of evidence and how to cross
examine people in court.<o:p></o:p></span></div>
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<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial; font-size: 12.0pt; line-height: 115%;">Lanigan and Lanigan. Experienced attorneys with a personal touch. 407-740-7379</span></div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com1831 West Morse Boulevard, Winter Park, FL 32789, USA28.598085 -81.3600830000000313.0760505000000009 -122.66867700000003 54.1201195 -40.051489000000032tag:blogger.com,1999:blog-8492405815976665170.post-78548407896280575862014-11-24T21:48:00.003-08:002015-05-06T13:51:41.064-07:00Hidden Costs in Florida Real Estate Purchases<h3>
<b style="mso-bidi-font-weight: normal;">Florida Real Estate Often Has Hidden Purchase Costs</b></h3>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjr23Tf-3Yw_emcre-Z3JmwJaEK7fcYnM5UfpfhoSolAnUfgag-UjEkXKHePvLrQw_hvcLn7jEzpWTQwdFFGn40cz0bObw6gwxmvBgqicg6r1DevfLdRKMXlJahNyK13ld_E225_3QYKd8/s1600/residential.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjr23Tf-3Yw_emcre-Z3JmwJaEK7fcYnM5UfpfhoSolAnUfgag-UjEkXKHePvLrQw_hvcLn7jEzpWTQwdFFGn40cz0bObw6gwxmvBgqicg6r1DevfLdRKMXlJahNyK13ld_E225_3QYKd8/s1600/residential.jpg" height="214" width="320" /></a></div>
<div class="MsoNormal">
There are many <a href="http://laniganpl.com/practice-areas-bankruptcy-foreclosure-mortgage-workouts/real-estate-litigation/" target="_blank">real estate </a>purchase costs in Florida. Refer
to this point where you complete purchase as “the closing.” </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Some people will also
refer to “the settlement.” It’s the point at which all the papers are signed
and the money is transferred from buyer to seller.</div>
<h3>
Closing Costs</h3>
<div class="MsoNormal">
Closing costs on <a href="http://laniganpl.com/practice-areas-bankruptcy-foreclosure-mortgage-workouts/real-estate-litigation/" target="_blank">Florida real estate</a> do not include sales
tax on the selling price on the Florida real estate transactions. However,
there can be very significant costs. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Documentary stamps on mortgage $3.50 per $1,000 of mortgage. Intangible tax of $2.00 per $1,000 of mortgage. But, if it’s a cash
deal, then it doesn’t apply. Other Closing Costs Include:</div>
<div class="MsoNormal">
</div>
<ul>
<li>Real Estate Commissions</li>
<li>Property Inspection</li>
<li>Unpaid Taxes</li>
</ul>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
Always get a “good faith” estimate of your closing costs
before you sign the contract. Review it and all the pre-closing steps with your
lawyer.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
There is no tax on the purchase of property by foreign
nationals.<o:p></o:p></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7KpZsyC63Tfi7B4Iy2kG9TzC4pF2lhAfDnFqf9OA6m1ljcWV_6PqS5FVIVwfj9dfpOi_R7HIWhWwWf_Pm_71S2Q9bv9QpxiXgDE447K3oEgSWZ3I2_B5rRUwpsvUc1aX8JJPDPygSlF8/s1600/real+estate.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7KpZsyC63Tfi7B4Iy2kG9TzC4pF2lhAfDnFqf9OA6m1ljcWV_6PqS5FVIVwfj9dfpOi_R7HIWhWwWf_Pm_71S2Q9bv9QpxiXgDE447K3oEgSWZ3I2_B5rRUwpsvUc1aX8JJPDPygSlF8/s1600/real+estate.jpg" height="240" width="320" /></a></div>
<h3>
Rental Property</h3>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
All rental income is subject to U.S. income tax. Many
double-taxation treaties to prevent paying taxes<o:p></o:p></div>
in U.S. and in the home
country. <br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Generally, very little if any taxes are paid because there
are very generous deductions: <o:p></o:p></div>
<div class="MsoNormal">
</div>
<ul>
<li>Mortgage interest</li>
<li>Cost of 2 trips to inspect property</li>
<li>These generally offset the rental income</li>
</ul>
<o:p></o:p><br />
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<o:p></o:p></div>
<h3>
Foreign Investment in Real Property Tax Act</h3>
<div class="MsoNormal">
On the sale, the Foreign Investment in Real Property Tax Act
comes into play. This means there’s a requirement that 10% should be withheld from the
sales price. The responsibility falls on the buyer who is a foreign nationals. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The
buyer does not withhold if property is over $300,000 and for his home.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<o:p></o:p></div>
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There may be significant profit potential in buyer certain
properties called off plan, otherwise known as pre-construction property. <o:p></o:p></div>
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Now, this is just some basic information on real estate issues to be aware of in Florida. It is not formal legal advice. You may watch the video, <a href="https://www.youtube.com/watch?v=8E987np30-Q&list=UU6XgR7FMGjZ07vpxTqRwurw" target="_blank">"Foreign Florida Real Estate Investors Beware of Pitfalls"</a> on the Lanigan & Lanigan YouTube channel. </div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com2831 West Morse Boulevard, Winter Park, FL 32789, USA28.5980611 -81.36008063.0760265999999987 -122.6686746 54.1200956 -40.051486600000004tag:blogger.com,1999:blog-8492405815976665170.post-64802402708224614782014-11-12T09:23:00.001-08:002014-11-12T09:23:14.147-08:00Do Your Homework Before Buying Into an Off-Plan Deal<div class="separator" style="clear: both; text-align: center;">
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyBgrGzyOk96vxo_WxuArH9Gl1yz3EdNAtQU87Z9NMwRH3eTHbjcKGvYRq7De1fSwmR8dFohDwwzH80DgBJMUafV6spP6LiJYcHus-UsUyHvYXz_HORg9JceXw8n7bE55Z70Rhs074XRY/s1600/construction.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyBgrGzyOk96vxo_WxuArH9Gl1yz3EdNAtQU87Z9NMwRH3eTHbjcKGvYRq7De1fSwmR8dFohDwwzH80DgBJMUafV6spP6LiJYcHus-UsUyHvYXz_HORg9JceXw8n7bE55Z70Rhs074XRY/s320/construction.JPG" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">You may build in the RIGHT neighborhood, or you could miss.</td></tr>
</tbody></table>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">Buying U.S. property that is
pre-construction which is also known as off-plan like so many real estate deals
can be a great thing or it can be a nightmare.</span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .5in 1.0in 1.5in 2.0in 2.5in 3.0in 3.5in 4.0in 4.5in 5.0in 5.5in 6.0in; text-autospace: none;">
<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">Florida Real Estate Attorney</span></h3>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;"><br /></span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">I'm attorney Eric Lanigan, a real estate attorney since 1976. I was born, raised, schooled and have worked in Florida so I know the market. </span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;"><br /></span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">There are ups, downs, good areas to buy and horrible places to buy investment properties. </span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;"><br /></span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">More importantly, I know Florida real estate pitfalls. All of them. I've seen really bad decisions made. I've seen people ripped off because they didn't know a home was full of black mold, or on swamp land or in a sink hole likely location. </span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">In Florida, it's what the sellers know that you don't know that will indeed hurt you. </span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">Tips for Buying an Off-Plan Property</span></h3>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;"><br /></span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">When you’re buying an off-plan property, it means that the home has not yet been built. There are often great
deals and deep discounts to get the property sold before construction costs
kick in.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">The builder is leveraging your
money. For example, you pay $100,000 with 5% down and the balance due in two
years. <o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">If it goes up 10% per year, then
they’ve made back 100% before you’re even closed.</span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">Research the Neighborhoods</span></h3>
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<span style="font-family: Arial; font-size: 12pt;"><br /></span></div>
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<span style="font-family: Arial; font-size: 12pt;">If the <a href="http://laniganpl.com/practice-areas-bankruptcy-foreclosure-mortgage-workouts/real-estate-litigation/" target="_blank">real estate</a> market where
you’re buying is active and prices are rising, then it can be very profitable.</span></div>
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<br /></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">Your job will be to do extensive
research on the project and the area; the location of the property is
imperative.</span></div>
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<span style="font-family: Arial; font-size: 12pt;">Benefit of </span><span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">Buying Off-Plan </span></h3>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;"><br /></span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">A practical benefit to buying
off-plan property is that if the project does not work out and you refuse to
close, the question will become with the developer really go through all the time
and expense to attempt to collect from you? <o:p></o:p></span></div>
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<span style="font-family: Arial; font-size: 12.0pt; mso-bidi-font-family: Arial;">It may become a win-win if you do
your real estate homework. <o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0831 West Morse Boulevard, Winter Park, FL 32789, USA28.598085 -81.3600830000000313.0760505000000009 -122.66867700000003 54.1201195 -40.051489000000032tag:blogger.com,1999:blog-8492405815976665170.post-73673901332754670942014-10-14T16:23:00.001-07:002014-10-14T16:23:07.712-07:00Real Estate Investors: Protect Yourself from Fraud<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4gsKtVQWlPZEXlZNEyo2X-6kRhAIrNur2ZzTsFDSSYLvOMJjZ3CSscF7RkG7QxzHy1nqQA719SMIEt_bURk4xdbF-F0dkEy15pxgrivEJcUHYPwUC13CUINJyjxEUb4Ba-em5i5tTboU/s1600/investing.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4gsKtVQWlPZEXlZNEyo2X-6kRhAIrNur2ZzTsFDSSYLvOMJjZ3CSscF7RkG7QxzHy1nqQA719SMIEt_bURk4xdbF-F0dkEy15pxgrivEJcUHYPwUC13CUINJyjxEUb4Ba-em5i5tTboU/s1600/investing.jpg" height="320" width="240" /></a></div>
<a href="http://laniganpl.com/practice-areas-bankruptcy-foreclosure-mortgage-workouts/real-estate-litigation/" target="_blank">Real estate </a>fraud is very prevalent in Florida and anyone who is going to buy property or who is looking into real estate investments of any kind should first find a real estate lawyer.<br />
<br />
Even if you're a Florida native and you're sure that you know all the tricks, you don't. If you truly want to protect whatever property--commercial or residential--before signing on the dotted line, hire an attorney to at the very least review your documents.<br />
<br />
A skilled real estate attorney will direct you, review legal documents and contracts, look at the ins and outs, the ups and downs of a sale. You should have property reports. You should provide all the paperwork that is involved in a sale.<br />
<h3>
Protect Yourself, Then Buy If It's Safe</h3>
It's important to take steps to protect yourself and your investment upfront by allowing an attorney who you know and trust and who knows the many faults and tricks that can be involved in buying a Florida property.<br />
<h3>
You're NOT an Expert, so Find an Attorney</h3>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdiGgpkLkPwQGNYLJMjhNOKsCttSwja7_XMAY2-qYRw9_9ki7HOxmamfqZISXAoDvpMqC1yRUM8h6VwWEWJw8ndeefGwa7F6n2WecIT5cCcTMbtnINATFxxFXQHopEbC5D6mCGxaixPAk/s1600/private+property.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdiGgpkLkPwQGNYLJMjhNOKsCttSwja7_XMAY2-qYRw9_9ki7HOxmamfqZISXAoDvpMqC1yRUM8h6VwWEWJw8ndeefGwa7F6n2WecIT5cCcTMbtnINATFxxFXQHopEbC5D6mCGxaixPAk/s1600/private+property.JPG" height="320" width="239" /></a>One thing that you can fault yourself on is buying property when you are not familiar with property faults. If you don't know about sinkholes, <a href="http://laniganpl.com/2014/08/11/florida-real-estate-disclosure-black-mold/" target="_blank">black mold</a>, geographic surveys, hurricane damage, then you need an attorney who will protect you.<br />
<br />
Eric Lanigan has lived in Florida his entire life and has seen the many ups and downs in the Florida real estate market.<br />
<br />
"Many people don't consult and they don't know anything about Florida real estate. They come to me after the fact and want to sue.<br />
<br />
"The challenge is the cost: you can pay many times more to sue than for a contract review."<br />
<h3>
Hire a Real Estate Attorney </h3>
Don’t think that watching videos, reading and negotiating a deal makes you impervious to real estate fraud or serious legal issues.<br />
<br />
Eric Lanigan and <a href="http://bankruptcy-lanigan.com/roddy-b-lanigan/" target="_blank">Roddy Lanigan</a> are the attorneys at Lanigan and Lanigan, P.L., in Winter Park. The Lanigans are very knowledgeable in real estate, business, civil, and financial law.<br />
<br />
The Lanigan's real estate insight comes from practicing Florida law as Winter Park natives who have seen the many scams and bad deals that unknowing buyers have had to deal with. One thing remains the same: impulse buys are dangerous.<br />
<h3>
Rental Property is Not for Amateurs </h3>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheEfU4lGzv48x_rzkvS6_WR87TtrqSWwsqmekP2ZmwvXbaNMryEvYL98RdvakvKBT20v4aYjvcCRg-8WUjNHElaFBTmYSxBEhyyWuNWSS2JptxQh7EdzjlVtvnAr8Z8_EJUD_D1qqXI84/s1600/leaky+roof+or+porch.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheEfU4lGzv48x_rzkvS6_WR87TtrqSWwsqmekP2ZmwvXbaNMryEvYL98RdvakvKBT20v4aYjvcCRg-8WUjNHElaFBTmYSxBEhyyWuNWSS2JptxQh7EdzjlVtvnAr8Z8_EJUD_D1qqXI84/s1600/leaky+roof+or+porch.jpg" height="320" width="240" /></a></div>
People visit Florida with family and inevitably want to buy a timeshare. Next they consider a bigger <br />
idea: a rental property. This idea starts because the buyer wants to save money on Florida vacations.<br />
<br />
Then, the buyer looks for a property the family can stay in when they visit Florida. Instead of looking for a property that can be rented and easily maintained, the reasons become murky and blurred.<br />
<br />
Buying a home with the idea that it should be rented vs. a property that will increase in value with minimal costs and a management company that can assure care for the home.<br />
<h3>
Your Realtor is Not an Attorney</h3>
The Lanigans help their clients involved with buying or selling real estate to avoid the pitfalls of not knowing the many issues that Florida land and property present.<br />
<br />
Clients are residential, commercial and foreign buyers and sellers investing in personal and business property. Most individuals work directly with a real estate agent to buy and sell property and do not <br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjczyV8Du0cYLt2v9wjBZWwYNvBwZ2_7VnQZZAL0P71V-9ox83hppRCs2Xmi8xvxynmupf73dj6VljMpg8OpqMWRGOfaIHcb2eh0fGj6OZks6N9MAlPSURLVqb3SjyOcVHvG1dAbIt826U/s1600/real+estate.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjczyV8Du0cYLt2v9wjBZWwYNvBwZ2_7VnQZZAL0P71V-9ox83hppRCs2Xmi8xvxynmupf73dj6VljMpg8OpqMWRGOfaIHcb2eh0fGj6OZks6N9MAlPSURLVqb3SjyOcVHvG1dAbIt826U/s1600/real+estate.jpg" height="240" width="320" /></a></div>
think to consult an attorney.<br />
<br />
Realtors are paid a commission from the property sale or purchase so selling the property is their focus. A realtor may be a seller’s agent, a buyer’s agent or a dual agent realtor with interest in buyer and seller interests.<br />
<br />
An attorney will represent and protect your interests and protect you whether you’re a buyer or a seller. An attorney will look at your paperwork and help advise you on best practices based on your goals and your needs.<br />
<h3>
Don't Sign on the Dotted Line--Yet </h3>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi91gQ6ZRaABQgHowbAAEzoglqQbPueBt7jJwxNb17r9YRTiRYub9BPZiKt_w1ispTpqpLvN_UzDAbAzPu9CNtzUlAJUKWsYnogO-CkAtvhJzJrlY0Iu68Z1JdUyUl4SNjM8pzloni5t7U/s1600/zoning+property.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi91gQ6ZRaABQgHowbAAEzoglqQbPueBt7jJwxNb17r9YRTiRYub9BPZiKt_w1ispTpqpLvN_UzDAbAzPu9CNtzUlAJUKWsYnogO-CkAtvhJzJrlY0Iu68Z1JdUyUl4SNjM8pzloni5t7U/s1600/zoning+property.jpg" height="216" width="320" /></a></div>
Zoning laws, property usage law, rental property law are not something that investors can know and understand unless they're attorneys.<br />
<br />
You should have an attorney review all real estate documents before signing because a few hours or less can save many thousands of dollars in defense down the line.<br />
<br />
Litigation is expensive and while the first thing that people may want to do is to "go after someone" and sue them, the truth is that litigation is very expensive.<br />
<br />
If the Lanigans can negotiate or work with a mediator to resolve a legal situation, they will because a lawsuit of any kind will cost more than expected.<br />
<h3>
Where Do Most Deals Go Bad?</h3>
Attorney <a href="http://bankruptcy-lanigan.com/eric-a-lanigan/" target="_blank">Eric Lanigan</a> works with all types of clients before, during and after a real estate transaction. The potential for legal issues exists with the title search, the legal description of the property, land surveys, easements, appraisals, seller’s property disclosures to name a few.<br />
<br />
"I've seen my share of good deals, but I've seen more bad deals," Eric Lanigan said. "One hour, two, maybe three hours of review with an attorney could have saved investors from the mistake of signing too soon, too quickly."<br />
<br />
Talk with a very knowledgeable real estate attorney and allow them to review your contracts—at the very least. Take the time to consult an attorney before signing any real estate contract. An attorney will review the legal documents and find potential problems before the contract is executed.<br />
<br />
Better to spend an hour or two upfront with an attorney than many thousands of dollars and untold amounts of time fighting for what could have been avoided in the first place.Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0831 West Morse Boulevard, Winter Park, FL 32789, USA28.598085 -81.3600830000000313.0760505000000009 -122.66867700000003 54.1201195 -40.051489000000032tag:blogger.com,1999:blog-8492405815976665170.post-28481198785968594652014-08-14T14:27:00.003-07:002014-08-14T14:30:30.888-07:00Florida Property Easements Can Cause Land DisputesEric Lanigan with <a href="http://laniganpl.com/" target="_blank">Lanigan and Lanigan</a> attorneys in Winter Park, Florida discusses <a href="http://laniganpl.com/2014/07/24/florida-property-easements-can-cause-land-disputes/" target="_blank">property easements</a> and how to prevent land disputes related to easement disagreements.<br />
<br />
<br />
<iframe allowfullscreen="" frameborder="0" height="315" src="//www.youtube.com/embed/4KN5z3ueObA" width="560"></iframe>
<br />
<br />
Visit the Lanigan and Lanigan <a href="https://www.youtube.com/user/LaniganPLFlorida" target="_blank">YouTube channel</a> to view this and other videos related to buying or selling real estate in Florida.
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0tag:blogger.com,1999:blog-8492405815976665170.post-53297740189384250352014-08-07T12:58:00.003-07:002014-12-29T16:21:13.865-08:00Consult An Attorney For Florida Real Estate Deals<div class="MsoNormal" style="margin-bottom: 11.0pt; mso-margin-top-alt: auto;">
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzX633I83kSdtK0Sl8YQTF33oqv29ssdttJ33kYiR52gwhvYSGBy4BVZRvr91GS1Wxjhj7Di_CVSJ0v3DbcDLPg_5n5PcqTb0Z5O9vTasiHy4HsKsBFxGlU6ZJLs5G6rOS0ajy2GkSDKU/s1600/house+on+water.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzX633I83kSdtK0Sl8YQTF33oqv29ssdttJ33kYiR52gwhvYSGBy4BVZRvr91GS1Wxjhj7Di_CVSJ0v3DbcDLPg_5n5PcqTb0Z5O9vTasiHy4HsKsBFxGlU6ZJLs5G6rOS0ajy2GkSDKU/s1600/house+on+water.jpg" height="211" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Protect real estate investments with a skilled attorney.</td></tr>
</tbody></table>
<span style="font-family: Verdana, sans-serif;"><span style="text-align: center;">Buying Florida property can be romanticized by new investors. Protect yourself from legal glitches by hiring a real estate attorney to protect your interests. </span></span><span style="color: #0e0e0e; font-family: Verdana;"><br /></span>
<span style="color: #0e0e0e; font-family: Verdana;">Eric Lanigan and Roddy Lanigan are the
attorneys at <a href="http://laniganpl.com/" target="_blank">Lanigan and Lanigan, P.L.</a>, in Winter Park. The Lanigans are
experienced in real estate, business, civil, and financial law. <o:p></o:p></span><br />
<span style="color: #0e0e0e; font-family: Verdana;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 11.0pt; mso-margin-top-alt: auto;">
<span style="color: #0e0e0e; font-family: Verdana;">The Lanigans' real estate skill comes from practicing Florida law as Winter Park natives who have seen the ups
and downs and the many scams and bad deals that unknowing buyers have had to
deal with in Florida. <o:p></o:p></span><br />
<span style="color: #0e0e0e; font-family: Verdana;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 11.0pt; mso-margin-top-alt: auto;">
<span style="color: #0e0e0e; font-family: Verdana;">The Lanigans help clients
involved with buying or selling real estate to avoid the pitfalls of the many issues that Florida land and property present. Clients are
residential, commercial and <a href="http://laniganpl.com/2014/07/26/foreign-investors-in-florida-real-estate/" target="_blank">foreign buyers</a> and sellers investing in personal
and business property.</span><o:p></o:p><br />
<h3>
<span style="color: #0e0e0e; font-family: Verdana;">Be Careful in Closing Florida Real Estate Deals</span></h3>
</div>
<div class="MsoNormal" style="margin-bottom: 11.0pt; mso-margin-top-alt: auto;">
<span style="color: #0e0e0e; font-family: Verdana;">Most individuals work directly with a
real estate agent to buy and sell property </span><br />
<div class="separator" style="clear: both; text-align: center;">
<span style="color: #0e0e0e; font-family: Verdana;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPXpc3SM6XIfYJKEe-NvOAcctzXkn-8MPWaff0COzFo08Nzx4DCY2tRVlT2RVF9h0JtNt_ZDzy0YmdDqVgZUDxY0F9wf7vGssmbPD210hH9_W4qMCFe0BSC-l_Cby1qVA4nvmfmK1Q_Xk/s1600/2011-10-17_14-41-41_115.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPXpc3SM6XIfYJKEe-NvOAcctzXkn-8MPWaff0COzFo08Nzx4DCY2tRVlT2RVF9h0JtNt_ZDzy0YmdDqVgZUDxY0F9wf7vGssmbPD210hH9_W4qMCFe0BSC-l_Cby1qVA4nvmfmK1Q_Xk/s1600/2011-10-17_14-41-41_115.jpg" height="320" width="180" /></a></span></div>
<span style="color: #0e0e0e; font-family: Verdana;">and do not think to consult an
attorney. Realtors are paid a commission from the property sale or purchase so
selling the property is their focus. </span><br />
<span style="color: #0e0e0e; font-family: Verdana;"><br /></span>
<span style="color: #0e0e0e; font-family: Verdana;">A realtor may be a seller’s agent, a buyer’s
agent or a dual agent realtor with interest in buyer and seller interests. </span><span style="color: #0e0e0e; font-family: Verdana;">Whereas an attorney will represent
and protect your interests and protect you whether you’re a buyer or a seller.</span><br />
<span style="color: #0e0e0e; font-family: Verdana;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 11.0pt; mso-margin-top-alt: auto;">
<o:p></o:p></div>
<div class="MsoNormal" style="margin-bottom: 11.0pt; mso-margin-top-alt: auto;">
<span style="color: #0e0e0e; font-family: Verdana;">Attorney Eric Lanigan works with all
types of clients before, during and after a real estate transaction. The
potential for legal issues exists with the title search, the legal description
of the property, land surveys, <a href="http://laniganpl.com/2014/07/24/florida-property-easement-disputes/" target="_blank">easements</a>, appraisals, seller’s property
disclosures to name a few. </span><o:p></o:p><br />
<span style="color: #0e0e0e; font-family: Verdana;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 11.0pt; mso-margin-top-alt: auto;">
<span style="color: #0e0e0e; font-family: Verdana;">In recent years, real estate fraud
has become much more prevalent because of the desperate attempts that homeowners have taken to get rid of property that is about to be taken in a foreclosure lawsuit.</span><br />
<h3>
<span style="color: #0e0e0e; font-family: Verdana;">You May Know Real Estate, You May Not Know the Law</span></h3>
<span style="color: #0e0e0e; font-family: Verdana;">Taking steps to protect yourself upfront before signing a deal is
more important than ever. </span><span style="color: #0e0e0e; font-family: Verdana;">Don’t fool yourself into thinking that watching videos,
reading and negotiating a deal makes you impervious to real estate fraud or
serious legal issues.</span><br />
<span style="color: #0e0e0e; font-family: Verdana;"><br /></span>
<span style="color: #0e0e0e; font-family: Verdana;">It's a great idea to be proactive and learn as much as possible. However, trust an attorney to first review your documents. </span><br />
<span style="color: #0e0e0e; font-family: Verdana;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 11.0pt; mso-margin-top-alt: auto;">
<span style="color: #0e0e0e; font-family: Verdana;">Talk with a very experienced real
estate attorney and allow them to review your contracts—at the very least.</span><o:p></o:p><br />
<span style="color: #0e0e0e; font-family: Verdana;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 11.0pt; mso-margin-top-alt: auto;">
<span style="color: #0e0e0e; font-family: Verdana;">Take the time to consult an attorney
before signing any real estate contract. An attorney will review the legal
documents and find potential problems before the contract is executed. <o:p></o:p></span><br />
<span style="color: #0e0e0e; font-family: Verdana;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 11.0pt; mso-margin-top-alt: auto;">
<span style="color: #0e0e0e; font-family: Verdana;">Better to spend an hour or two
upfront with an attorney than many thousands of dollars and untold amounts of
time fighting for what could have been avoided in the first place.</span><o:p></o:p></div>
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Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0tag:blogger.com,1999:blog-8492405815976665170.post-24382217414650318042014-01-13T09:00:00.000-08:002014-01-14T22:33:28.301-08:005 Reasons to Ignore Online Student Loan Debt Relief AdviceEverybody with student loan debt knows the feeling: nervous, overwhelming stress just thinking about the prospect of paying off student loan debt.<br />
<br />
The stress keeps you awake at night, so you go online and search for solutions. Free help. Anything or anyone who can get you out of debt.<br />
<br />
But the online answers you're seeking are not there. There is no free service that can aptly resolve your debt problems.<br />
<br />
There are many debt counseling services. But are they legitimate and how do you know?<br />
<br />
Work with <a href="http://www.consumerdebtcounselors.org/" target="_blank">debt counseling organizations</a> that are approved by national debt counseling organizations:<br />
<br />
<ul>
<li>The Better Business Bureau</li>
<li>HUD</li>
<li>National Foundation for Credit Counseling</li>
<li>Counsel on Accreditation</li>
</ul>
<br />
<h2>
5 Reasons to Ignore Online Student Loan Debt Relief Advice</h2>
<h3>
1. Average Student Loan Debt in 2013 is Increasing</h3>
If you're like the <a href="http://money.cnn.com/2013/05/17/pf/college/student-debt/" target="_blank">Class of June 2013</a>, your average student loan debt bill is $35,200, according to CNN Money.<br />
<br />
But if you're like some clients seen at Lanigan and Lanigan, P.L. you are trying to file bankruptcy or foreclosure to get rid of other debts just so that they'll have the funds to pay off student loan debt.<br />
<br />
Student loan debt, like child support and taxes, cannot be eliminated through bankruptcy.<br />
<br />
But some student loan debt is so high that clients come in saying "I just don't see how I will ever be able to pay the student loan debt off," Eric Lanigan, of<a href="http://laniganpl.com/" target="_blank"> Lanigan and Lanigan</a> said.<br />
<br />
"Then, people are listening to whatever a friend says about the student loan debt, instead of consulting with an attorney, they're going to free consultations where non-lawyers are telling them incorrect information.<br />
<br />
"Student loan regulations are so complex that we've had to establish a complicated matrix plan for every person who comes to us with student loan debt. But it is a plan specific to the clients' loan.<br />
<br />
"The options are dependent upon the type of loan, the amount, whether the loan is in default, the profession of the debt holder, the loan originator, the date the loan was taken, and so on."<br />
<h3>
2. Take Legal Advice to Handle Student Loan Debt</h3>
The complexities involved in student loans which are government-regulated, require a trained and skilled legal professional to accurately guide a debtor to the options and the relief--if it is possible--that is needed.<br />
<br />
Eric Lanigan and Roddy Lanigan see clients struggling with student loan debt over $100,000 on average per person.<br />
<br />
For debt at that level, the clients need to have a formal consultation with the Lanigans who walk the client through the student loan debt relief options available to them.<br />
<h3>
3. Student Loan Debt Options Vary by Individual</h3>
The options will vary for every individual. No student loan debt is the same because the individual has a different personal financial standing, loan origination date, amount of debt, profession and income.<br />
<br />
When a person goes online in the middle of the night, awake because of the stress from student loan debt, don't look for the simple answers. Look for attorneys. Read about the options that they are explaining. Decide on a student loan debt relief attorney who has been handling student loan debt relief.<br />
<br />
The one sure action for some peace of mind is to meet with an attorney in a formal consultation to look at YOUR loan and YOUR history and YOUR options.<br />
<h3>
4. Educate Yourself Before Meeting With an Attorney </h3>
Visit the <a href="https://www.youtube.com/user/LaniganPLFlorida" target="_blank">Lanigan&Lanigan </a>YouTube channel where you can watch our series on student loan debt relief options. Then, when you're educated, call 407-740-7379 to schedule a formal consultation. Meeting with an attorney in a consultation gives you licensed, legal advice. You owe yourself an hour to get viable answers to what you can do to legally handle your student loan debt.<br />
<h4>
Student Loan Debt Relief Options May Include: </h4>
<ul>
<li>Loan forgiveness</li>
<li>Loan consolidation</li>
<li>Loan renegotiation</li>
</ul>
<h3>
5. When You Delay, Student Loan Debt Options Disappear</h3>
One thing is true for every student loan debtor: do not delay in getting answers. If you are in default, get to an attorney immediately to begin a repayment plan, a consolidation, or another option.<br />
<br />
If you wait, your options for resolution will disappear. Handle the stress by learning about your student loan debt and what CAN be done to relieve the stress that is keeping you awake and stressed out.<br />
<br />
Believing that student loan debt will have to be paid forever is a terrifying prospect. But what if it's NOT forever? Your sweating palms, racing heart, constant anxiety can be relieved with a simple action: Consult with an experienced student loan debt relief lawyer. Have student loan debt analyzed and carefully reviewed for debt relief options.<br />
<br />
Consult with <a href="http://laniganpl.com/practice-areas-bankruptcy-foreclosure-mortgage-workouts/" target="_blank">Lanigan and Lanigan</a> to find out your options from a reliable source. Call 407-740-7379.<br />
<div>
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Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0831 West Morse Boulevard, Winter Park, FL 32789, USA28.5962468 -81.3567635-40.432725699999992 113.4088615 90 83.8776115tag:blogger.com,1999:blog-8492405815976665170.post-12975724896603704742014-01-08T21:56:00.000-08:002014-01-14T21:23:23.507-08:00Banks Withstand Penalties with Financial Success, Planning<div class="MsoNormal">
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<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">The Wall Street
Journal provides a daily look back on happenings in the financial world. Today
it looked back on Jan. 8, 1962, when the SEC </span><span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">attacked Wall Street, accusing the American Stock Exchange of
ignoring rules.</span></div>
<h3>
<span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">History Repeats Itself</span></h3>
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<span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The Wall Street Journal’s
prediction on January 8, 1962 was that the Securities Exchange Commission
findings would most certainly lead to an increase in regulation by the
government over the nation’s stock exchange.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">It stated there was a lack
of self-regulation, that prior warnings failed to curtail questionable behavior
and that the government would have to react to protect investors, the public. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">In other words, what was
present then, is present today: illegal trades, questionable practices, illicit
meetings and discussions, consistent bad behavior by traders and businesses,
remain today. <o:p></o:p></span></div>
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<span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Regulators have other ways of improving
ethics at banks by holding individuals accountable. But facts in the
government’s Madoff situation suggest efforts to hold executives responsible goes
only so far.</span></div>
<h3>
<span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">How Banks Survive</span></h3>
<div class="MsoNormal">
<span style="background-color: white; background-position: initial initial; background-repeat: initial initial; color: #333333; line-height: 115%;"><span style="color: #2d2b2c; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;">Wells
Fargo, the largest home lender was responsible for a fifth of U.S. mortgages in 2013 and profited from </span></span></span><span style="background-color: white; color: #2d2b2c; font-family: Arial, Helvetica, sans-serif; line-height: 18px;">lowered rates from the </span><span style="background-color: white; color: #2d2b2c; font-family: Arial, Helvetica, sans-serif; line-height: 115%;">Federal Reserve which aided refinancing. But as rates increased, applications slowed and cut into
origination loans.</span><br />
<span style="background-color: white; color: #2d2b2c; font-family: Arial, Helvetica, sans-serif; line-height: 115%;"><br /></span>
<span style="color: #2d2b2c; font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 18px;">Nonetheless the bank had a record fourth quarter after cutting expenses.</span></span><br />
<span style="background-color: white; background-position: initial initial; background-repeat: initial initial; color: #333333; line-height: 115%;"><span style="color: #2d2b2c; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></span>
<span style="background-color: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12pt; line-height: 115%;">A bank the size of JP
Morgan can absorb a loss of $1.7 billion for its alleged role </span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12pt; line-height: 115%;">federal prosecutors found that JP Morgan had for failing to report Bernard Madoff’s suspicious
activities to the authorities.</span></div>
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<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">JP Morgan which was responsible fore survived because of its financial
plans: <o:p></o:p></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="color: #333333; mso-list: l0 level1 lfo1;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Wall
Street analysts estimate JP Morgan will earn as much as $23 billion in
profit this year, more than any other lender. <span style="background: white;"><o:p></o:p></span></span></li>
<li class="MsoNormal" style="color: #333333; mso-list: l0 level1 lfo1;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">JP
Morgan makes $25 billion in revenue per quarter and has record capital<span style="background: white;"><o:p></o:p></span></span></li>
<li class="MsoNormal" style="color: #333333; mso-list: l0 level1 lfo1;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">JP
Morgan’s shareholders and clients remain loyal<span style="background: white;"><o:p></o:p></span></span></li>
<li class="MsoNormal" style="color: #333333; mso-list: l0 level1 lfo1;"><span class="apple-converted-space"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">JP Morgan h</span></span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">as
steadily set aside reserves over the last few years to finance future
legal payouts<span style="background: white;"><o:p></o:p></span></span></li>
<li class="MsoNormal" style="color: #333333; mso-list: l0 level1 lfo1;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">JP
Morgan said that it might have to set aside an extra $400 million for the
Madoff settlement<span style="background: white;"><o:p></o:p></span></span></li>
</ol>
<div class="MsoNormal">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The action describes how the chief risk
officer of JPMorgan’s investment bank – who is still at JP Morgan -- allowed
the bank to increase its financial exposure to a Madoff entity in 2007 to $250
million. <o:p></o:p></span></div>
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<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The risk officer had spoken with Madoff and
approved the increase even though it was clear that Madoff would not answer
more probing questions about his firm, according to the Wall Street Journal. </span></div>
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<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The
risk officer, John Hogan, still works at JPMorgan as chairman of risk.<span style="background: white;"><o:p></o:p></span></span></div>
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<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
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<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Bank of America
has paid out over $24 billion with more to ahead. </span><span style="background: #FDFDFD; color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Some analysts estimate that the bank has paid
at least 10 times the acquisition costs to settle such issues. There are many
such cases still pending. <o:p></o:p></span></div>
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<span style="background: #FDFDFD; color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
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<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">JP Morgan Chase, Bank of America, Wells
Fargo, Citibank<span style="background: white;">, Aurora, HSBC, MetLife Bank,
PNC, Sovereign, U.S. Bank, Goldman Sachs, Morgan Stanley and SunTrust will be
under the microscope of the SEC, investors, clients and in particular
homeowners and former homeowners affected by the debt created by the mortgage
crisis fiscal irresponsibility. </span><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><span style="background: white;"><br /></span></span></div>
<div class="MsoNormal">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><span style="background: white;">If you're trying to understand how the settlements will affect you or if you get paperwork in the mail about settlements from any of the above banks from property you own, or owned, call 407-740-7379 to meet with Eric Lanigan or Roddy Lanigan of Lanigan and Lanigan, P.L., in Winter Park, Florida. </span></span></div>
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Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0tag:blogger.com,1999:blog-8492405815976665170.post-24736909273764181092014-01-01T21:19:00.001-08:002014-01-01T21:19:40.393-08:00<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Florida
Law Firm</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%; mso-bidi-font-size: 13.0pt; mso-fareast-font-family: "Times New Roman";"> </span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Deciphers the Maze of Student Loan Debt Options
<o:p></o:p></span></b></div>
<div class="MsoNormal">
<b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></b></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 13.0pt; mso-fareast-font-family: "Times New Roman";">Lanigan & Lanigan, P.L., helps erase confusion, frustration
with student loan debt relief.</span><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 14.0pt; line-height: 115%; mso-bidi-font-size: 13.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<i><span style="font-family: Arial, sans-serif; line-height: 115%;">.</span></i><i><span style="color: #222222; font-family: "Arial","sans-serif"; line-height: 115%; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></i></div>
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<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Thursday,
January 2, 2013 -- Winter Park, Florida – Set a meeting with Lanigan and
Lanigan to identify a plan of attack to eliminate, reduce, or have a student
loan debt forgiven in the new year. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
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<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Attorneys
Eric Lanigan leads an educational website video series on student loan debt
relief to clearly explain what options are available with the viable outcomes. <o:p></o:p></span></div>
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<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
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<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">“Everything
begins with the type of loan a person holds,” Eric Lanigan said. “If you don’t
know whether it’s federal or private that’s fine. But if you know that you’re
in default and you’re not doing anything to change that, you have a serious
problem.</span></div>
<h3>
<span style="color: #222222; font-family: Arial, sans-serif;"><span style="line-height: 18px;">Default Eliminates Options</span></span></h3>
<div class="MsoNormal">
<span style="color: #222222; font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">“The
longer that you wait, the fewer options you will have. Get into an attorney’s
office and determine a plan of action before the possibilities disappear.”</span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Visit the <a href="https://www.youtube.com/user/LaniganPLFlorida"><span style="color: windowtext; text-decoration: none; text-underline: none;">Lanigan and Lanigan </span>YouTube
channel</a> holds the video series which includes the following topics:<o:p></o:p></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><a href="https://www.youtube.com/watch?v=f4Co1fw812s"><span style="letter-spacing: -.6pt;">What CAN Be Done With Student Loan Debt </span></a><o:p></o:p></span></li>
<li class="MsoNormal"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">H<a href="http://www.youtube.com/watch?v=ZA83KPTP8_U" title="How to Get an Affordable Student Loan Payment Part 2 in Series"><span class="yt-ui-ellipsis-wrapper"><span style="border: none windowtext 1.0pt; color: windowtext; mso-bidi-font-weight: bold; mso-border-alt: none windowtext 0in; padding: 0in; text-decoration: none; text-underline: none;"><span data-original-html="How to Get an Affordable Student Loan Payment Part 2 in Series
">ow
to Get an Affordable Student Loan Payment </span></span></span></a><o:p></o:p></span></li>
<li class="MsoNormal"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://www.youtube.com/watch?v=lAbKRfFzwE8&feature=share&list=UU6XgR7FMGjZ07vpxTqRwurw">Student
Loan Forgiveness</a><o:p></o:p></span></li>
</ol>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Law
firm Lanigan and Lanigan, P.L., a business and civil, real estate, and
financial legal practice offers the online video series to educate those who
are struggling to manage, handle or pay student loan debt. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">High
student loan debt is a common factor in bankruptcy and foreclosure cases, an
issue noted regularly by the Lanigans since cases started rolling in regularly
since 2007.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Lanigan
and Lanigan created processes for demystifying student loan debt relief. Loan repayment,
forgiveness, deferment or other options begins with loan payment status. Have
payments been made on time and the type of loan determine options.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://laniganpl.com/winter-park-florida-attorneys-eric-a-laniganeric-a-lanigan%E2%80%A6-park-attorney/eric-a-lanigan-winter-park-attorney/" target="_blank">Eric Lanigan </a>researched student loan debt regulations and
the options for clients asking to reduce student loan payments to be proportionate
to income. Clients came to the Lanigan and Lanigan offices because they
believed that student loan debt could be forgiven or folded into bankruptcy. One
thing was clear.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">“</span><span style="background: white; color: #111111; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Your options and possible forms of relief
disappear with default,” Eric Lanigan said. “If you’ve gone into default, you’ll
have different and fewer options,” Lanigan said. </span></div>
<div class="MsoNormal">
<span style="background: white; color: #111111; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br />
“But that doesn’t mean that you won’t be able to decrease the amount of overall
debt.” <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Eric and Roddy Lanigan use their experience negotiating lower
mortgage loans for homeowners to negotiate with student loan lenders.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">“We discovered that lenders would rather provide financial
relief to a homeowner, and to receive some revenue, than not negotiate and lose
an entire loan to foreclosure."</span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;"><br />Lanigan explained that student loan lenders
differ greatly from mortgage loan lenders, but negotiating and finding <a href="http://laniganpl.com/2013/12/09/what-can-be-done-about-student-loan-debt-part-1-in-series/" target="_blank">debtor loan options</a> takes investigation and careful documentation.</span></div>
<br />
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">There are many options available to debtors if
the loan has not gone into default. But not every debtor qualifies. Confused? Call 407-740-7379 to consult
with Eric Lanigan and Roddy Lanigan of <a href="http://laniganpl.com/2013/09/21/aggressive-representation-with-a-personal-touch-lanigan-and-lanigan/" target="_blank">Lanigan and Lanigan</a> in Winter Park,
Florida. </span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0tag:blogger.com,1999:blog-8492405815976665170.post-88473373709165489472013-12-18T21:20:00.002-08:002013-12-18T21:24:49.713-08:00 Video Series Provides Student Loan Debt Relief Options<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<h4 style="text-align: center;">
<i><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Florida law firm deciphers
student loan regulations to provide debtors with affordable repayment,
deferment, </span></i><i><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">settlement, forgiveness or cancellation options.</span></i></h4>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><b>Thursday,
December 19, 2013</b> -- <b>Winter Park, Florida</b> – Attorneys Eric Lanigan and Roddy
Lanigan introduce a new website video series on managing student loan debt. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The series is available to be watched on the <a href="https://www.youtube.com/user/LaniganPLFlorida">Lanigan and Lanigan
YouTube channel</a>. The first video in the series is called, <a href="https://www.youtube.com/watch?v=f4Co1fw812s">“<span style="letter-spacing: -.6pt;">What CAN Be Done With Student Loan Debt Part 1 in a Series.”</span></a><o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><a href="http://laniganpl.com/2013/12/09/what-can-be-done-about-student-loan-debt-part-1-in-series/" target="_blank">Laniganand Lanigan, P.L., </a>a business and civil, real estate, and financial practice law
firm explains in an online video series about how to manage student loan debt. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Lanigan
and Lanigan began to research methodology for tackling student loan debt when a
trend was spotted in the midst of client bankruptcy and foreclosure cases. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">“</span><span style="background: white; color: #111111; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">I’ve been continuously shocked over the last
several years at the amount of student loan debt people will come in with when
we talk with them about bankruptcy or foreclosure,” Eric Lanigan said. “It’s
just staggering and I don’t know how they could ever possibly be able to pay it
all back.” <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; color: #111111; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Lanigan researched student loan debt regulations and the options
for clients asking to reduce student loan payments to be proportionate to income.
Clients came to the Lanigan and Lanigan offices because they believed that
student loan debt could be forgiven or folded into bankruptcy.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">“Student loan debt, like delinquent taxes or child
support, cannot be included in bankruptcy,” Lanigan said. “Using our experiences
negotiating with lenders to lower mortgage loans for homeowners, we discovered
that lenders would rather provide financial relief to a homeowner, and to receive
some revenue, than not negotiate and lose an entire loan to foreclosure.”<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Lanigan explained that student loan lenders differ
greatly from mortgage loan lenders, but negotiating and finding debtor loan options
takes investigation and careful documentation.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">While student loans cannot be eliminated
through bankruptcy, there are many options available to debtors if the loan has
not gone into default. Time is not on the side of the debtor, particularly a debtor
who fell into default on a student loan. However, depending on the type of loan
and the profession of the debtor, there are deferments available, and there is
cancellation and even forgiveness for some student loans.</span></div>
<h3>
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Student Loan Debt Repayment Options</span></h3>
<h4>
<span style="font-family: Arial, sans-serif;"><span style="line-height: 18px;">Deferment</span></span></h4>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">There are several options for debtors seeking
a way out of student loan debt repayment. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">There is student loan deferment which is
available based on the type of loan, and when the loan was granted. The
deferment type and the amount of time for deferment varies by s</span><span style="font-family: Arial, sans-serif; font-size: 12pt; text-indent: -0.25in;">tudent
loan deferment can be given for:</span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Active
duty<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Economic
Hardship<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Head
Start Staff<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Graduate
Fellowship<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Hardship<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Full-time,
or Part-time School<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Medical
Internship or Residency<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Law
Enforcement or Corrections<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Military
Service<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Nursing
or Medical Technicians<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Parental
Leave<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Professional
Provider for the Disabled <o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Public
Health Services<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Public
or Non-profit Child or Family Service Agency Employee<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Rehabilitation
Training<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Teacher
Forgiveness<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Temporary
Total Disability<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Unemployment<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Volunteer
Peace Corps<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Volunteer
Tax Exempt Organization<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Working
Mother<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Student loan debt deferments can last for up
to 36 months.<o:p></o:p></span></div>
<h3>
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Student Loan Debt Cancellation</span></h3>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">There are loan cancellations or student loan
debt forgiveness for the following reasons:<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Death<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Disability<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Closed
School<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Ability
to Benefit<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">False
Certification by School Cancellation or Identity Theft Cancellation<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Public
Service Employees Loan Forgiveness<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Spouses
& Parents of 9/11<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Service
in Areas of National Need Loan Forgiveness<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Legal
Assistance Attorney Forgiveness<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Fire
Fighter Forgiveness<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Librarian
Forgiveness<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Pre-K/Child
Care Forgiveness<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Speech-Language
Pathologist Elementary/Secondary Forgiveness<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Tribal
College or University Faculty Forgiveness<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Education
Component of Head Start Program<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Law
Enforcement or Corrections Officer<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Military
Service<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Nurse
or Medical Technician<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Professional
Provider of Early Intervention Services for the Disabled<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Public
or Non-Profit Child or Family Services Agency Employee<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Vista
or Peace Corps Volunteer<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Disabled
Education Teacher<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Many people who carry a heavy amount of
student debt just want to get an affordable payment that is an income-based
repayment plan. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">And this is simply a plan where your payment
is based on your income and not on the amount of debt you have. This way the
debtor can at least afford the loan payment.</span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
<h3>
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Everybody Must Be Aware of This Loan Rule</span></h3>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Lanigan said there is one principal that
everybody can apply to student loan situation which is very simple, don't delay.
Get help before you go into default. The longer a debtor waits, the fewer
options that will be available to relieve the financial burden that debt can
cause. <o:p></o:p></span></div>
<br />
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">In order to find out if a debtor qualifies
for any of the repayment alternatives available, and not every debtor will
qualify, the best method is to set an appointment to meet with Eric Lanigan and
Roddy Lanigan of Lanigan and Lanigan in Winter Park, Florida. </span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0tag:blogger.com,1999:blog-8492405815976665170.post-63296906529579128832013-11-10T17:40:00.000-08:002013-11-10T17:40:19.730-08:005 Ways to Prevent Foreclosure in Florida<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="http://4.bp.blogspot.com/-E54dTpdQlOc/UCqhRYunA_I/AAAAAAAAAGA/Q2dwI7nhj8A/s1600/TheLaniganTeam.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="http://4.bp.blogspot.com/-E54dTpdQlOc/UCqhRYunA_I/AAAAAAAAAGA/Q2dwI7nhj8A/s1600/TheLaniganTeam.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Roddy Lanigan, Eric Lanigan, Erica Warlick, & Jean Booras.</td></tr>
</tbody></table>
<div class="MsoNormal">
<span style="background-color: white; color: #333333; font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">One of the things Florida homeowners
often say when they come in for a consultation with <a href="http://bankruptcy-lanigan.com/attorneys/" target="_blank">experienced Florida attorneys</a> Eric Lanigan and Roddy Lanigan is that they
wish that they would have come in sooner and hadn’t waited so long to get help.<br /></span></div>
<div class="MsoNormal">
<span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">When you know that you’re
not going to be able to pay your mortgage, but you want to keep your home and
you’ve maintained a regular payment schedule, make an appointment to see Eric
Lanigan or Roddy Lanigan at <a href="http://bankruptcy-lanigan.com/contact/" target="_blank">Lanigan and Lanigan P.L.</a><br /><br /><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">There are 5 ways to
prevent foreclosure in Florida. Come in to meet with Eric or Roddy and you’ll
be able to prevent foreclosure by a range of actions: <br /><br /><o:p></o:p></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">See an attorney
in a formal legal consultation to discuss the options<o:p></o:p></span></li>
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal"><span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">As soon as a Florida homeowner knows that the mortgage
is not going to be paid or feels that the amount due is stretching your budget
see an attorney.</span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></li>
</ol>
<li class="MsoNormal" style="color: #333333; mso-list: l1 level1 lfo1;"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">If your income changes from any of the following issues,
begin saving, budgeting and cutting back on any unnecessary bills.<o:p></o:p></span></li>
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal" style="color: #333333; mso-list: l1 level2 lfo1;"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Usually there’s a major life-changing financial issue
that affects a homeowner’s ability to pay the mortgage. A common problem
includes any of the following:<o:p></o:p></span></li>
</ol>
</ol>
<div class="MsoNoSpacing" style="margin-left: 1.25in; mso-list: l0 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Losing a job<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.25in; mso-list: l0 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">The loss of: <o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.75in; mso-list: l0 level2 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Courier New";">o<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Social
Security<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.75in; mso-list: l0 level2 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Courier New";">o<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Disability<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.75in; mso-list: l0 level2 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Courier New";">o<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Alimony<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.75in; mso-list: l0 level2 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Courier New";">o<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Child
support<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.75in; mso-list: l0 level2 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Courier New";">o<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Feelance
work<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.75in; mso-list: l0 level2 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: "Courier New"; font-size: 12.0pt; mso-fareast-font-family: "Courier New";">o<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Second
or side job<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.25in; mso-list: l0 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Getting a medical issue not covered by insurance<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.25in; mso-list: l0 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Divorce <o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.25in; mso-list: l0 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Car accident or injury with long-term disability<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: 1.25in;">
<br /></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: Arial;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Consider a mortgage workout to refinance your home mortgage.<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in;">
<br /></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: Arial;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="background: white; color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Change your financial habits with a strict
budget that includes saving money.</span><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;"><o:p></o:p></span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing" style="margin-left: .5in; mso-list: l1 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: Arial;">5.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Let Eric Lanigan and Roddy Lanigan create a viable mortgage
workout program complete with applications for government programs, principal
forgiveness, debt reduction, second mortgage elimination, credit card debt
elimination and many other very carefully planned options to present to the
banks on your behalf.</span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;"> </span></div>
<h3>
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Don't Do It Yourself: Saving Your Home is NOT a DIY Project</span></h3>
<div class="MsoNoSpacing" style="margin-left: .5in;">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Don't be proud and think that you can go toe-to-toe with the bank attorneys and financial experts. </span></div>
<div class="MsoNoSpacing" style="margin-left: .5in;">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in;">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Don’t try completing
paperwork on your own for programs like <a href="http://www.makinghomeaffordable.gov/programs/lower-payments/Pages/hamp.aspx?gclid=CL2ZsNjI27oCFU8V7AodJBkAJw" target="_blank">HAMP (Home Affordable ModificationProgram</a>. 98% of all homeowners who complete the forms alone are turned down due
to incomplete and incorrect form completion. <o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in;">
<br /></div>
<div class="MsoNoSpacing" style="margin-left: .5in;">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">Other reasons for turndowns
include an inability to reach the proper person at the bank and the inability
to provide an attractive financial alternative mortgage package to the bank. <o:p></o:p></span></div>
<div class="MsoNoSpacing" style="margin-left: .5in;">
<br /></div>
<div class="MsoNoSpacing" style="margin-left: .5in;">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">The Lanigans have an
extensive amount of experience in creating packages for homeowners to the banks.
They will be more adept at knowing what the banks will accept vs. what you as a
homeowner can put together to appeal to the banks to make them interested in
accepting an alternate payment plan. <o:p></o:p></span></div>
<br />
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0tag:blogger.com,1999:blog-8492405815976665170.post-9993614665435199932013-10-28T22:31:00.000-07:002013-10-28T22:31:03.641-07:00What Exactly is a Florida Foreclosure Lawsuit?<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Across the country, homes that are worth less than what
they’re originally sold for are known as upside down homes. A job loss, divorce, medical issue can cause homeowners to fall behind in payments. </span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">No matter how much a homeowner is behind, if the arrearage lasts longer than several months, homeowners stuck with properties that no longer hold the value they once
did, will also be sued by the lender for the amount that is due. There are also fees and penalties pinned onto the amount due. Then, property owners will have to contact an attorney looking for answers to the troubling problem of owning an under
water home with many mortgage payments overdue.. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The problem worsens if no the overdue payments remain overdue and the bank or lender will file a lawsuit. </span></div>
<h3>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Work With Lanigan and Lanigan</span></h3>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Experienced <a href="http://bankruptcy-lanigan.com/contact/" target="_blank">Winter Park, Florida</a> foreclosure
attorney Eric Lanigan and Orlando, Florida lawyer Roddy Lanigan of Lanigan and Lanigan, provide
frustrated and nervous Florida homeowners with <a href="http://bankruptcy-lanigan.com/2013/10/21/usa-vs-bank-of-america-judgment-in-foreclosure-defense/" target="_blank">foreclosure defenses</a>.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">One of the first things the reviewed when you
come in to meet with Eric or Roddy is whether your home mortgage was robo-signed: paperwork signed quickly in a rush to close the loan. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">It is common for the Lanigans to find several mistakes in
the mortgage, not so fundamental as to cause the mortgage to be invalid but to
certainly enough to create problems for the mortgage lender.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">A <a href="http://bankruptcy-lanigan.com/2013/08/22/defect-in-service-of-process-defense-for-foreclosure/" target="_blank">Florida foreclosure defense</a> is built and options are
presented including mortgage workouts, Florida foreclosure defense, situations which will vary by individual financial standings and mortgage paperwork.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">No one has the same mortgage. No client has the same
economic scenario so don’t get wound up after hearing about what a friend,
family member or co-worker tells you about what happened in their foreclosure
defense. It will not be the same for anyone.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The ultimate situation for one client may be the polar
opposite end situation, for another client. But at the end of the financial
hardship or legal issue, the lender and the homeowner should be able to come
together to find a resolution. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Banks and lenders aren’t willing to do this all the time
and sometimes have to be forced through a lawsuit to make the situation right.
Many homeowners are please if they can stay in the house and have a payment
plan that is affordable. It’s also a good situation when they have a house
where there is not a tremendous amount between what they owe and what the house
is worth. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">What the Lanigans do in reviewing a Florida foreclosure
defense case is to look at the transaction, the paperwork all the way back to the
original mortgage loan transaction. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">There are many federal requirements. Documentation should
be organized carefully with every signature in place, dated by the proper bank
or lending institution authority. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">But what has been found is that during the rush to lock
in a mortgage with a new homeowner as was so frequently done throughout the country;
there are on occasion improper signatures. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Lenders on occasion have been found to have signed where they
shouldn’t have. Bank or lending authorities have signed in multiple roles,
questionable signatures, missing signatures.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Now, depending on the situation, this alone can make a
document unenforceable or force the lender to withdraw the foreclosure lawsuit.</span></div>
<h3>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">What Exactly is a Foreclosure Lawsuit?</span></h3>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Florida foreclosure litigation is a lawsuit filed by a
lender against a homeowner for non-payment on the mortgage note on the home. A
mortgage agreement is a legally binding document that must be honored by both
sides: the homeowner and the lender. When one side defaults or refuses to honor
the language set forth, there is a legal reason to file a lawsuit. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Banks have to file foreclosure actions, when a loan goes
into default; but, the reality is the last thing on earth the bank wants is
anther vacant house in their inventory. There is a strong likelihood that the
bank will work with the homeowner who is able to put forth the right
alternative to the existing mortgage. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">This is called a mortgage workout. The bank will not
negotiate with a homeowner and no homeowner should have the arrogance and
confidence to negotiate and get a “deal” from a lender. It’s not going to happen
without proper legal representation by an attorney with extensive experience defending
foreclosure lawsuits.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The lender hires the best attorney possible to handle the
foreclosure which is exactly what the homeowner should do: hire an attorney.</span></div>
<div class="MsoNormal">
</div>
<h3>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Foreclosure Takes Time</span></h3>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">
Like any other litigation that goes through the court system, it's going to
take a while, months usually, unless the homeowner sits on their hands and does
nothing. <o:p></o:p></span><br />
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The Lanigans tell clients if you do absolutely nothing in
response to the foreclosure papers, it will still take probably at least four
or five months to complete the process before you would be moving.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The Lanigans find that in using the same kind of negotiating
techniques used in other types of litigation coupled with a thorough knowledge
of the mortgage industry and what the banks are dealing with will fight the
foreclosure<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<br />
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Things can come together to create a defense to a
mortgage foreclosure case based on paperwork: either the original mortgage
documents or the ensuing paperwork that comes to the homeowner when the
foreclosure is filed. </span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Find out what the options are in your case by calling the
Orlando or Winter Park office and sitting down to begin the foreclosure defense
process. <o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0tag:blogger.com,1999:blog-8492405815976665170.post-23054701665767366252013-10-20T21:05:00.002-07:002013-10-20T21:05:29.069-07:00Experienced and Aggressive Florida LawyersWinter Park, Florida, and Orlando, Florida, law firm <a href="http://laniganpl.com/" target="_blank">Lanigan & Lanigan, P.L.,</a> offers clients a range of business, financial and real estate legal services.<br />
<br />
Lanigan & Lanigan is led by attorney <a href="http://laniganpl.com/2012/02/24/attorneys/" target="_blank">Eric Lanigan </a>who has practiced Florida law since 1976; and Roddy Lanigan who has practiced law since 2007.<br />
<br />
Aggressive representation Eric Lanigan Eric.Lanigan@LaniganPL.com, 831 W. Morse Blvd., Winter Park, Florida, 32789 www.LaniganPL.com 407-740-7379<br />
<br />
Lanigan & Lanigan, P.L., practice in the following areas:<br />
<br />
<ul>
<li><a href="http://bankruptcy-lanigan.com/bankruptcy/" target="_blank">Bankruptcy</a></li>
<li>Business & Civil Litigation</li>
<li><a href="http://bankruptcy-lanigan.com/foreclosure/" target="_blank">Foreclosure Defense</a></li>
<li><a href="http://bankruptcy-lanigan.com/mortgage-work-outs-floridamortgage-workout-agent-rich-marquez/" target="_blank">Mortgage Workouts</a></li>
<li>Real Estate</li>
<li><a href="http://laniganpl.com/practice-areas-bankruptcy-foreclosure-mortgage-workouts/securities-investment/" target="_blank">Securities & Investment Losses</a></li>
</ul>
<br />
Aggressive representation Roddy Lanigan Roddy.Lanigan@LaniganPL.com, 310 E. Pine St., Suite 250, Orlando, Florida, 32789 www.LaniganPL.com 407-740-7379<br />
Call the Lanigans for a consultation at 407-740-7379. at the 831 W. Morse Blvd.,<br />
Winter Park, Florida, office.<br />
<br />
Or at 310 E. Pine Street,<br />
Ste. 250, Orlando, Florida.<br />
<br />
Lanigan & Lanigan. Aggressive representation<br />
with a personal touch.<br />
<br />
<br />Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0tag:blogger.com,1999:blog-8492405815976665170.post-38312864578379901332013-10-14T19:04:00.002-07:002013-10-14T19:04:25.819-07:00Be Sure Before Filing Bankruptcy in Florida<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhn_B23fAQopMJJWXK4XO3Tm0lu68a7ouIjbb6dJMjmxuRUkVLA7OoGqv3pKgJWVMyESlZsnU7mpeio-ghKGW7obr1AwNI4LFMmQA6s13oGgi2FIMl0n1Hd9QLn5bOMT_lcQwSZwEc_EwQ/s1600/credit+cards.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhn_B23fAQopMJJWXK4XO3Tm0lu68a7ouIjbb6dJMjmxuRUkVLA7OoGqv3pKgJWVMyESlZsnU7mpeio-ghKGW7obr1AwNI4LFMmQA6s13oGgi2FIMl0n1Hd9QLn5bOMT_lcQwSZwEc_EwQ/s1600/credit+cards.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Add up credit card debt ask for lowest APR.</td></tr>
</tbody></table>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Florida residents who are thinking about
filing <a href="http://bankruptcy-lanigan.com/bankruptcy/" target="_blank">bankruptcy</a> are usually overwhelmed by high personal debt. When the debt continues
to grow and there doesn’t seem to be a way out, or additional income, the
situation becomes personally stressful. <br /><br /><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://bankruptcy-lanigan.com/bankruptcy/bankruptcy-questions-and-answers/" target="_blank">Bankruptcy</a> seems to be the only option if
you truly feel that you’ll never be able to pay the amount down. But before
getting to that point, it’s important to review the many options for paying the
debt down to a manageable amount. </span></div>
<h3>
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Before You Decide to File Bankruptcy in
Florida</span></span></h3>
<br />
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">When asking the question, “should I file
bankruptcy in Florida to get rid of my debt?” you should first go through your
bank statements to review spending habits, saving habits, monthly income <table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJmeat74zOnzfsVKyKj2QJZiIqyivIosYsOKBw521WupupnIcf-BK2YapxpKhRTPQZ1XAcVrCmL7x9WhO0LOQIfpQtF1LFoXe1HC-VSip0U_lBLWxGKystDOIFTwcfWcjCAjZe-lsqr-w/s1600/creditcarddebt.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJmeat74zOnzfsVKyKj2QJZiIqyivIosYsOKBw521WupupnIcf-BK2YapxpKhRTPQZ1XAcVrCmL7x9WhO0LOQIfpQtF1LFoXe1HC-VSip0U_lBLWxGKystDOIFTwcfWcjCAjZe-lsqr-w/s1600/creditcarddebt.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Credit card debt can add up due to medical bills.</td></tr>
</tbody></table>
and
assets. <o:p></o:p></span></div>
<h3>
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Take the Bankruptcy Means Test</span></h3>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The bankruptcy means test is the
financial and economic test that weighs your income, with your assets, with
your debt, disposable income, <o:p></o:p></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">What
is annual salary? <o:p></o:p></span></li>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">What
is your overall debt?<o:p></o:p></span></li>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Is
your monthly income less than the Florida median income for a household
matching the size of your household?<o:p></o:p></span></li>
</ol>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">If your answer to No. 3 is yes, you are
likely to qualify to file Chapter 7 bankruptcy but to be sure, make a meeting
with Eric Lanigan and Roddy Lanigan to review your financial and economic
situation. <o:p></o:p></span></div>
<h3>
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">10 Questions to Ask Before Filing Bankruptcy</span></h3>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">making the decision to file bankruptcy
in Florida, ask yourself the following questions: <o:p></o:p></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Are
there any odd jobs that you can take for a few hours a week to make
monthly payments to pay the debt down? <o:p></o:p></span></li>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">If
it’s credit card debt, have you called the card to get a decreased annual
percentage rate? <o:p></o:p></span></li>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Are
you making more than the minimum amount due on your credit cards? <o:p></o:p></span></li>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Have
you consolidated your debt by putting your credit cards into the lowest
annual percentage rate<o:p></o:p></span></li>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Have
you looked at your credit card bills to be sure that you’re paying on
time, paying more than the maximum, with no lingering late fees from one
late month? <o:p></o:p></span></li>
<ol start="1" style="margin-top: 0in;" type="a">
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">If
you have had only one late payment call the credit card company to find
out if the company will forgive the late date and resume the regular
interest rates available.<o:p></o:p></span></li>
</ol>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Is
there an asset or assets that can be liquidated to pay down the debt? <o:p></o:p></span></li>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">How
long will it take for you to pay the debt down?<o:p></o:p></span></li>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Is
there a debt with an out of control interest rate that can be renegotiated
to receive a lower interest rate? <o:p></o:p></span></li>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">What
is the latest of your outstanding bill or bills? Have you gone months
without paying any of your bills? How many bills are being paid late
monthly?<o:p></o:p></span></li>
<li class="MsoNormal"><span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Is
there a medical bill that you have that you can negotiate down by speaking
with the hospital or medical facility or doctor over time?<o:p></o:p></span></li>
</ol>
<h3>
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Meet With the Lanigans to Review All of
Your Debt</span></h3>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Begin a file for your debts. Create a carefully
calculated page to bring in to your meeting with the Lanigans. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Be certain that you are looking through
all of your debt, your debtors, your savings, your investments, your assets,
medical, home, personal bills and account numbers. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">You are legally responsible for telling
the truth about all of your financial standings, status and information. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Forgetting or leaving something out is
not an excuse and telling an attorney after the papers are filed can be grounds
for bankruptcy fraud. <o:p></o:p></span></div>
<br />
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0tag:blogger.com,1999:blog-8492405815976665170.post-87999883090506918832013-10-05T19:03:00.001-07:002013-10-05T19:04:56.183-07:00A Foreclosure Defense You May Find On Your Own<h3>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Florida Foreclosure Defense: <a href="http://www.youtube.com/watch?v=cqG2KbItUao&feature=c4-overview&list=UU6XgR7FMGjZ07vpxTqRwurw" target="_blank">The </a></span><a href="http://www.youtube.com/watch?v=cqG2KbItUao&feature=c4-overview&list=UU6XgR7FMGjZ07vpxTqRwurw" target="_blank"><span style="font-family: Arial, sans-serif; font-size: 12pt;">Defective Acceleration Letter</span><span style="font-family: Arial, sans-serif; font-size: 12pt;"> </span></a></h3>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;">Everyone likes to read and research <a href="http://laniganpl.com/practice-areas-bankruptcy-foreclosure-mortgage-workouts/foreclosure-defense/" target="_blank">foreclosure defense</a> online. You watch some videos on YouTube and read articles or websites you find to try to decipher your case. You may feel that your bank is is possibly doing something wrong or have seen errors in your mortgage paperwork. Here is something that you can look for in a<a href="http://laniganpl.com/2013/09/08/keep-lender-foreclosure-acceleration-letter-look-for-error/" target="_blank"> foreclosure acceleration letter </a>as soon as you receive a lis pendens or the official foreclosure notice. </span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;">It's very important that you keep all of your paperwork to provide to your attorney when you begin fighting your lender if they file a foreclosure lawsuit against you. </span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></b></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">What it
is:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"> <br />
An acceleration letter is the letter homeowners receive from the bank prior to
filing foreclosure it's what we call a condition precedent that they're required
to file or to send to you, to tell you how much you're behind what you need to
pay and if you don't pay that amount of money within 30 days they're going to
accelerate the loan and that means to accelerate all the payments to make them
due at one time and that's the step before foreclosure. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Why
it’s a viable defense:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br />
Use a defective acceleration letter in a mortgage situation to force the bank
to provide you with the amount of money that is due without incorrect
penalties, vague payment terms and amounts and a delay that they cause with
letters that do not provide the homeowner with the amount due that they know
and that you do not. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">What to
look for:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br />
A common defect in an acceleration letter is the language that says “you have
to pay X amount within 30 days, plus whatever principle, interest, penalties
may accrue since the date the letter was issued.” <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Note:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br />
The bank did not state what the dollar amounts due actually are. The banks
simply state that the money, fees, penalties are due. This is a big problem. You
don't know how much to send in because you don't know how much principle,
interest, penalties, late fees have accrued since the date of the letter. All the
fees increase daily. So to actually circumvent and stop the fees from
accumulation, you have to overpay. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">But the letter on its face is defective
because it doesn't tell you the exact amount to send in. Should you try to
overpay, the bank could be as dishonest and state that they could not accept
the payment because it was incorrect or overpaid. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Hire an
Experienced Attorney:<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">You should stop trying to win or outsmart the
banks on your own. Don’t expect reasonable response. The banks are sending
automated letters. Departments generate template letters that are sent out to
inform you and may not even have a person on the letter to whom you should
respond. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">The goal is to dismiss the case and force the
bank to start over again with a proper acceleration letter. This provides the
homeowner the legal right to pay the bank only what is due, the exact amount
that is due within the rights afforded them by the law.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">When you get statements from any bank and the
charges are confusing and they don't make any sense and you can't make anything
out of them, don't take the position that well it's a big bank and they must be
right and I must be wrong. Because it's coming out more and more that not only
are they wrong, they know they're wrong.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Contact <a href="http://laniganpl.com/winter-park-florida-attorneys-eric-a-laniganeric-a-lanigan%E2%80%A6-park-attorney/eric-a-lanigan-winter-park-attorney/" target="_blank">Eric Lanigan</a> and <a href="http://laniganpl.com/winter-park-florida-attorneys-eric-a-laniganeric-a-lanigan%E2%80%A6-park-attorney/roddy-b-lanigan-winter-parkbankruptcy-foreclosure-real-estate/" target="_blank">Roddy Lanigan</a> at 407-740-7379 to come into the Winter Park, Florida office. </span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<br />
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0tag:blogger.com,1999:blog-8492405815976665170.post-46420387733777263482013-10-01T21:34:00.000-07:002013-10-01T21:34:51.758-07:00Key Aspects of Chapter 11 Bankruptcy<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Companies that decide to file <a href="http://bankruptcy-lanigan.com/bankruptcy/#chapter-11-bankruptcy" target="_blank">Chapter 11 bankruptcy</a> because
its long-term revenues will be higher than the liquidation value of the company’s
assets. Creditors may receive more money back if they allow the debtor business
to reorganize and work out a payment plan in a In Chapter 11.</span></div>
<div class="MsoNormal">
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Chapter 11 bankruptcy is similar to<a href="http://bankruptcy-lanigan.com/bankruptcy/#chapter-13-bankruptcy" target="_blank"> Chapter 13</a>. But
the major difference is that there is no limit regarding the amount of money
owed by the debtor. Originally only intended for large corporations,
individuals can now file Chapter 11 as well. However, only a very small
percentage of individuals are likely to qualify.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Usually only celebrities and those individuals with the
ability to generate large amounts of revenue long term with contracts for
performances or in commercial or advertising contracts may file Chapter 11 as
individuals.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Chapter 11 is only preferable for an individual when
their debt exceeds the limits of Chapter 13, specifically: $360,475 of
unsecured debt and $1,081,400 in secured debt.</span></div>
<h3>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">What Happens First</span></h3>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The first step in a Chapter 11 bankruptcy is the drafting
and approval of a disclosure statement by the bankruptcy attorney.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Unlike those filing individual Chapter 7 bankruptcies,
debtors under Chapter 11 are may be able to keep homes, sometimes
eliminate their second mortgages, and restructure other secured debts. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">A Chapter 11 reorganization is the most complex of all
bankruptcy cases and may be the most expensive. It should be considered only
after careful analysis and exploration of all other alternatives with the
consultation and professional advice of a licensed, experienced bankruptcy
attorney.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Winter Park, Florida, bankruptcy attorney <a class="g-profile" href="https://plus.google.com/112593477460509989258" target="_blank">+Eric Lanigan</a> has practiced Florida law since 1976. Orlando, Florida, bankruptcy attorney
<a class="g-profile" href="https://plus.google.com/100267052567830048495" target="_blank">+Roddy Lanigan</a> has practiced Florida law since 2007. <a class="g-profile" href="https://plus.google.com/106072011494922819200" target="_blank">+Lanigan & Lanigan, P.L.</a> provides clients aggressive representation with a personal touch.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">In a <a href="http://laniganpl.com/practice-areas-bankruptcy-foreclosure-mortgage-workouts/bankruptcy/" target="_blank">Chapter 11 bankruptcy</a>, the financial reorganization is the next step
in the restructuring process. Businesses often explain that the bankruptcy will
have no effect on client and customer experiences with them. It’s usually business
as usual as there is a transition to new structure.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Chapter 11 bankruptcies differ from most personal
bankruptcies because they involve significantly more input from
creditors. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Besides continuing the business, like a trustee, the
debtor in possession can avoid certain transactions that occurred prior to the
filing of the bankruptcy case. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Named after the U.S. bankruptcy code 11, Chapter 11 is a
form of bankruptcy that involves a reorganization of a debtor's business
affairs and assets. It is usually filed by corporations and larger businesses
which require time to restructure their debts.<br />
<br />
Chapter 11 gives the debtor a fresh start, subject to the debtor's fulfillment
of its obligations under its formal plan of reorganization. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">In Chapter 11, once the cases are begun, it might be
impossible to stop them without creditors’ approval. Unhappy creditors can vote
to sink a proposed restructuring, which could lead to a liquidation. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Chapter 11 Bankruptcies are complicated. Chapter 11
enables the debtor to continue functioning by maintaining ownership of all
assets while creating a reorganization plan for paying back creditors. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">After filing Chapter 11 bankruptcy, a business has 120
days to develop a reorganization and payment plan. By working with the
Lanigans, your restructuring plan is created in coordination with you the
business owner. The process is complex and requires extensive planning together
with the client.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<br />
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Schedule a consultation in either of the <a class="g-profile" href="https://plus.google.com/106072011494922819200" target="_blank">+Lanigan & Lanigan, P.L.</a> locations: <br />
Winter Park, Florida: 831 W. Morse Blvd., or Orlando, Florida: 310 E. Pine St.,
Ste. 250. Call 407-740-7379.<o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0831 West Morse Boulevard, Winter Park, FL 32789, USA28.5962468 -81.35676353.0742122999999992 -122.6653575 54.1182813 -40.0481695tag:blogger.com,1999:blog-8492405815976665170.post-87893031997650527712013-09-04T21:02:00.000-07:002013-09-04T21:07:40.108-07:0010 Tips While Hiring a Florida Foreclosure Attorney<div class="MsoNormal">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjbxaNFz861jHT7kkNyEQ7tWwzGbZMn3unod6BS9c6YYsnrOXjv5739ueAez1wM_JQ-VytQpnWprQhZJ3evMt9KZVDh_Rc6ETJ-KNh_cvgqWo59CL-So27d7gxoVAZ_f56C96nWde-ytdk/s1600/2013-08-12+11.52.37.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjbxaNFz861jHT7kkNyEQ7tWwzGbZMn3unod6BS9c6YYsnrOXjv5739ueAez1wM_JQ-VytQpnWprQhZJ3evMt9KZVDh_Rc6ETJ-KNh_cvgqWo59CL-So27d7gxoVAZ_f56C96nWde-ytdk/s1600/2013-08-12+11.52.37.jpg" height="240" width="320" /></a></div>
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">How
Bad Is the Foreclosure Problem? <o:p></o:p></span></b></div>
<div class="MsoNormal">
<span style="background: #F9F9F9; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Florida posted the nation’s highest
state foreclosure rate for the third consecutive month in July and August according
to <a href="http://www.realtytrac.com/Content/foreclosure-market-report/">RealtyTrac</a>. One in every 328 housing units with a foreclosure filing during
the month — more than three times the national average—were in foreclosure.<span class="apple-converted-space"> </span><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><span style="background: #F9F9F9; border: none windowtext 1.0pt; color: windowtext; mso-border-alt: none windowtext 0in; padding: 0in; text-decoration: none; text-underline: none;">Florida
<a href="http://bankruptcy-lanigan.com/foreclosure/foreclosure-questions-and-answers/">foreclosure</a> activity</span> <span style="background: #F9F9F9;">increased 8 percent from the previous month and was
up 7 percent from a year ago.</span> <o:p></o:p></span></div>
<div class="MsoNormal">
<strong><span style="background: #F9F9F9; border: none windowtext 1.0pt; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-border-alt: none windowtext 0in; padding: 0in;">Florida Ties Top Metro Foreclosure
Rates</span></strong><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br />
<span style="background: #F9F9F9;">With
one in every 230 housing units with a foreclosure filing in July, Jacksonville,
Fla., posted the nation’s highest foreclosure rate among metropolitan
statistical areas with a population of 200,000 or more. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Florida cities accounted for 7 of the 10 highest metro
foreclosure rates with Miami leading </span><br />
<div class="separator" style="clear: both; text-align: center;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpYrtCK3PBFQwChl13ODRjgvjxvx7F5gn52dWTsLb1uY2qQeZT9x9aau8oMWGnhtzsy-YF2S6Zaz7CBTAn0du3UU9ePvPG81JeOd90U9hVqvm69ZQk1qWh01NWPGTkOiP1LBFzkrudZuk/s1600/2013-08-16+17.00.08.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpYrtCK3PBFQwChl13ODRjgvjxvx7F5gn52dWTsLb1uY2qQeZT9x9aau8oMWGnhtzsy-YF2S6Zaz7CBTAn0du3UU9ePvPG81JeOd90U9hVqvm69ZQk1qWh01NWPGTkOiP1LBFzkrudZuk/s1600/2013-08-16+17.00.08.jpg" height="240" width="320" /></a></span></div>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">every other metro area in the country for
the first quarter. <o:p></o:p></span></div>
<div class="MsoNormal">
</div>
<ol>
<li><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Eight other Florida cities posted foreclosure rates among
the top 10 highest nationwide: Miami-Fort Lauderdale-Pompano Beach at No. 2
(one in every 250 housing units with a foreclosure filing)</span></li>
<li><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Port St. Lucie at No. 3 (one in 256 housing units)</span></li>
<li><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Ocala at No. 4 (one in every 294 housing units)</span></li>
<li><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Palm Bay-Melbourne-Titusville at No. 5 (one in every 296
housing units)</span></li>
<li><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Tampa-St. Petersburg-Clearwater at No. 7 (one in 334
housing units)</span></li>
<li><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Orlando-Kissimmee at No. 8 (one in 344 housing units)</span></li>
<li><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Pensacola-Ferry Pass-Brent at No. 9 (one in every 345
housing units)</span></li>
<li><span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Sarasota-Bradenton-Venice at No. 10 (one in 394 housing
units).</span></li>
</ol>
<br />
<div class="MsoNormal" style="outline: 0px;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The
only metro outside of Florida with a top 10 foreclosure rate was Albuquerque,
N.M., at No. 6 with one in every 331 housing units with a foreclosure filing in
July.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The average Florida foreclosure sale price is $129,176
and nationally, $189,293.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">The South Florida metro area, which includes Palm Beach,
Broward and Miami-Dade counties, had the highest foreclosure rate in the
country for the first three months of 2013.<o:p></o:p></span></div>
<div class="MsoNormal">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhq6RttHbO3DDldgBVypzl4UUBYN-BtsKLlSk6GhTXN6WQypvkp5cgqOvU6a3dOvj1RMy8ejUzVJbCG233TXn2eimi146pFm3NGy61zRpxC-qFpHTXh1pIRiJ4epFYB8OaN-upksmYP_EU/s1600/2013-08-12+11.52.37.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhq6RttHbO3DDldgBVypzl4UUBYN-BtsKLlSk6GhTXN6WQypvkp5cgqOvU6a3dOvj1RMy8ejUzVJbCG233TXn2eimi146pFm3NGy61zRpxC-qFpHTXh1pIRiJ4epFYB8OaN-upksmYP_EU/s1600/2013-08-12+11.52.37.jpg" height="240" width="320" /></a></div>
<b><span style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">10 Tips
When Hiring a Foreclosure Defense Attorney<o:p></o:p></span></b></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">If you have
been served with a foreclosure notice and you are behind on your mortgage
payments for any reason at all you should immediately—without question and no
waiting—call an attorney at Lanigan and Lanigan. <a href="http://laniganpl.com/contact/">Contact Eric Lanigan </a>who has practiced law since 1976 and has seen an array of foreclosure issues and many many cases. <a href="http://bankruptcy-lanigan.com/roddy-b-lanigan/">Roddy Lanigan </a>has been practicing Florida law since 1976. Together they provide clients with aggressive representation.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">If you are struggling
to pay for your home due to a change in your employment, medical condition,
divorce, you should contact an experienced foreclosure attorney.<o:p></o:p></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal"><span style="font-family: Arial, Helvetica, sans-serif;"><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">A foreclosure lawyer can sort
out your options.</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">
Clarifying the financial upside and downside of each scenario. Then, you
get to decide what you’d like to do when you know the options. <o:p></o:p></span></span></li>
<li class="MsoNormal"><span style="font-family: Arial, Helvetica, sans-serif;"><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Fighting banks is difficult:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"> If you have been trying to
work with the lender and aren't getting anywhere on your home refinancing,
you’re not alone. Eric Lanigan of Lanigan and Lanigan said that less than
5 percent of loans are eligible for refinancing.<o:p></o:p></span></span></li>
<li class="MsoNormal"><b><span style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">You are on your own:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Arial, Helvetica, sans-serif;"> The banks and lenders do not
care about you or your rights or your interests, only their profits which
is why they will move forward with your foreclosure forcing you to fight
back by hiring an attorney. </span><o:p></o:p></span></li>
<li class="MsoNormal"><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Don't
rely on do-it-yourself tactics to save your family home:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">
Reading about foreclosure and tactics taken by others including friends
and family members cannot suffice for the knowledge that an experienced
real estate attorney will provide. There is no substitute for sound legal
advice. <o:p></o:p></span></li>
<li class="MsoNormal"><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">You
can’t do what you see online:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"> Watching videos,
reading or interpreting information on legal self-help cannot sufficiently
provide you with advice on the laws which change constantly. <o:p></o:p></span></li>
<li class="MsoNormal"><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Don’t
risk foreclosure:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"> So you think you've found an
angle, or heard of a friend or neighbor who tried something and got rid of
a foreclosure lawsuit? You can't possibly defend your home from a bank or
lender who hires the best foreclosure firm that money can buy. There's no
reason to risk it all to try to save money. You can lose it all and likely
will lose if you try a case on your own. <o:p></o:p></span></li>
<li class="MsoNormal"><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Judges
don't give you a break:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"> Just because you’re
the little guy fighting the big bad bank a judge will NOT give you any
help. In fact, some judges are tougher on you because it’s highly likely
that you’ll waste the courts’ time.<o:p></o:p></span></li>
<li class="MsoNormal"><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Attorneys
are educated, trained and knowledgeable in the law.</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">
A layperson could never compete with an attorney because of information
found, read, researched online. Why would you risk your family home
to save few dollars by trying to do it yourself. If you go up against a
bank and its high-priced very skilled lawyers you will lose.<o:p></o:p></span></li>
<li class="MsoNormal"><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Hire
the best attorney you can afford:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"> You get what you pay
for and you will rely on the lawyer to defend and resolve a foreclosure
action. If you hire the cheapest lawyer, you’re not going to get topnotch representation.
You’ll get cheap and minimal work. Foreclosure is intensive and most of it
is paperwork and reliant on research. <o:p></o:p></span></li>
<li class="MsoNormal"><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;">Attorneys
don’t give discounts or work for free:</span></b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"> If you’re paying
very little and are promised the world, reconsider working with the
attorney who said they’re giving you a break, discount or free help. Why
would any attorney worth hiring give you a discount if the work and labor
and litigation is going to be difficult and very labor intensive for them?
The banks have made many mistakes and it is very likely that there are
problems within your paperwork and the processing of the foreclosure. This
will mean litigation and it also means that your attorney needs to be a
skilled litigator.<o:p></o:p></span></li>
</ol>
<span style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 115%;">Find out what to do by
calling to setup a meeting with Eric Lanigan and Roddy Lanigan to determine
your options in your foreclosure. Call 407-740-7379 to make an appointment.
Eric and Roddy Lanigan of Lanigan and Lanigan are experienced attorneys who
provide aggressive representation with a personal touch.</span>Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0831 West Morse Boulevard, Winter Park, FL 32789, USA28.5962468 -81.35676353.0742122999999992 -122.6653575 54.1182813 -40.0481695tag:blogger.com,1999:blog-8492405815976665170.post-83194962847013300032013-07-19T17:34:00.004-07:002013-07-21T21:42:21.949-07:00All Cases Rely on the Rules of Evidence; Foreclosure Cases Demand It<div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/V-BO-Cv51u8?feature=player_embedded' frameborder='0'></iframe></div>
<br />
<h3>
The Rules of Evidence Will Determine the Outcome of Every Case</h3>
I'm <a href="http://bankruptcy-lanigan.com/eric-a-lanigan/">Eric Lanigan </a>with Lanigan and Lanigan, I'm a real estate, business and civil litigator who spends 80 percent of my time trying cases for clients.<br />
<br />
I don't think that laypeople realize that in all cases: business, criminal, <a href="http://bankruptcy-lanigan.com/foreclosure/">foreclosure </a>that the rules of evidence decide the outcome.<br />
<br />
In <a href="http://bankruptcy-lanigan.com/foreclosure/">foreclosures</a>, with the multitude of Robo-Signed cases, it's important to know that the inaccuracies and mistakes made by the banks and lenders can be beneficial to those facing foreclosure defense. Take the time to meet with an experienced foreclosure attorney so that you can learn what paperwork the lender does or does not have.<br />
<h3>
What Records Does the Bank Have?</h3>
I want to go over how a recent case that I had brought home to me how much the rules of evidence play in a foreclosure case. We were waiting out in the hall to be called in for trial and right in front of me the plaintiffs lawyer introduces herself to the so-called records custodian for the loan servicer the person who's going to identify and validate the records and they're introducing themselves to each other and realize that they've never met before and the lawyer actually hands the records to the custodian and says, "here are your records."<br />
<br />
And I thought, well now, that's interesting. The so-called records custodian is now receiving the records that they're supposed to be the custodian of.<br />
And I thought, well this is going to make for a great cross-examination of this person. But then, for another evidentiary reason we never even got to that point because when they attempted to submit these records I noticed as I expected that half of these records belonged to the original loan servicer. The one at trial had actually taken over the case. And that's actually a very common situation. Well I immediately objected on the basis that they can't make someone else's business records their business records just by putting them in the file.<br />
<br />
Which is true and the judge although he didn't want to agree with me, he knew that he had no choice. He sustained the objection didn't allow the business records into evidence. Well with no records they had no case and it was dismissed.<br />
<br />
So without a strong knowledge of the rules of evidence, those records would've come in and the plaintiff would have gotten a foreclosure judgment.<br />
<br />
So these kinds of cases, always keep in mind, are not necessarily decided on what the facts are or even what they should be. But they're based on what is proven by the evidence.<br />
<br />
I've had cases over the years, different kinds of cases, criminal cases other types of civil cases where my client has said, "this is the truth, I swear that this it's the truth," and I know it sounds cynical but sometimes I've actually said to them, "you need to understand something, I don't care what the truth is, in court I care what the evidence will prove."<br />
<br />
And to follow down that road you have to have a thorough an intimate understanding of the rules of evidence.<br />
<h3>
Invest in a Legal Consultation Before Making a Decision</h3>
You've known that the foreclosure notice was coming and knew that you were behind on the mortgage. You've waited all this time and now you need to know what you're going to be facing. Do you keep the house or "let it go?" Do you fight the foreclosure knowing what you'll face in court against the lender?<br />
<br />
Don't leave all these questions unanswered. Invest in a legal consultation by calling the Lanigan and Lanigan offices at 407-740-7379 to come into our Winter Park, Florida or Orlando, Florida locations. We'll have you complete initial paperwork and give you a checklist of items to bring. You'll find out where things stand and what direction you should go based on your choices and our legal recommendations.<br />
<br />
<br />
<br />Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com0Winter Park, FL, USA28.5999998 -81.33923519999996228.4884703 -81.50059669999996 28.7115293 -81.177873699999964tag:blogger.com,1999:blog-8492405815976665170.post-28935227421602248702013-06-12T23:35:00.000-07:002013-06-12T23:35:08.537-07:00Florida Real Estate Disclosure Law<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Florida <a href="http://laniganpl.com/practice-areas-bankruptcy-foreclosure-mortgage-workouts/real-estate-litigation/">real estate law</a> requires sellers to divulge
all the known problems and flaws of a home or property when it’s put on the
market to be sold. The information is called a seller’s disclosure and it’s given
to buyers who want to know the reasons for the property pricing. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">This disclosure should share everything seen
and unseen that’s known about the property by the seller. It acts as a guide to
the value and price of a property being sold. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">The disclosure must be filled out honestly
and is designed to help sellers know everything they want to know about
problems in the history of the property. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Sellers have to comply with Florida’s laws
about disclosure requirements. Any sellers who do not disclose what is reasonable
for them to have known can be held legally and financially responsible. </span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">The
fallout from hiding what should have been disclosed can lead to very expensive
lawsuits. The buyer can sue a deceitful seller for fraud. The statute of
limitations for the Florida Seller’s Disclosure Law is five years in Florida.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">The condition of the real estate property is
based on what the seller knows about the property condition. Buyers, sellers
and realtors refer to the information when evaluating, marketing, or presenting
the seller’s property to prospective buyers.</span></div>
<h3>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Get a Home Inspection</span></h3>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">In order to prevent surprises it’s a good
idea to have a home inspected before it goes on the market. This way any
serious, potentially problematic faults, weaknesses or failures will be known.
Eventually an inspection will be done by the buyer and if you fear there are
issues but ignore them, you’ll end up paying for their repair, replacement or failure
to disclose. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Disclosing Material Facts and Hidden Defects <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">The Florida Seller’s
Disclosure became mandatory in 1985 when in a landmark case, Johnson v. Davis, the
Florida Supreme Court found that sellers cannot conceal material defects in property for sale.</span><o:p></o:p></div>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="background: white; font-family: "Arial","sans-serif"; font-size: 12.0pt;">In Johnson v. Davis, the
sellers denied that marks on a ceiling were leaking. When the buyers wanted to
purchase the home the sellers said that the roof did leak, but that it had been
repaired. However, when it rained, the roof leaked. </span><span style="background-color: white; font-family: Arial, sans-serif; font-size: 12pt;">The buyers sued the sellers
and won.</span></div>
<div class="MsoNormal">
<span style="background-color: white; font-family: Arial, sans-serif; font-size: 12pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Material defects are <span style="background-color: white; background-position: initial initial; background-repeat: initial initial;">any facts that may have a significant and reasonable impact
on the market value of the property. Material defects are visible to the eye. </span>Under
Florida law, these material defects must be shared with a potential buyer. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><b>According to the Florida Bar: </b><i>“<span style="background: #FEFEFE; color: #222200;">A buyer of residential real estate can
maintain a cause of action for nondisclosure of latent defects and is not
required to prove a false statement by the seller in order to recover. The
seller now has an affirmative obligation to disclose known material defects.
Since a buyer has no duty to find a latent defect, but only one that is
“readily observable,” a non-disclosing seller may not defend on the basis that
a ‘reasonably diligent’ inspection would have disclosed the material defect.<span class="apple-converted-space">”</span></span></i><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><span style="background: #FEFEFE; color: #222200;"><span class="apple-converted-space"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">For example, defects in the materials used to
build the home must be disclosed by Florida commercial and residential real
estate sellers. This is particularly important in older homes where dangerous
materials like lead paint or asbestos were included in ceilings or walls.</span></div>
<h3>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Non-Apparent Defects</span></h3>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">In addition to apparent defects in the home,
the state of Florida requires that non-apparent defects are disclosed. Non-apparent
defects are Florida disclosures must list serious material defects voluntarily.</span></div>
<h3>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Crime Scenes</span></h3>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">If a murder or suicide took place in a home
or property the information does not have to be disclosed to any potential
buyer.</span></div>
<h3>
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Hazardous Materials or Substances</span></h3>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">If <span style="background: white; color: #111111;">hazardous substances or contaminated sites are located on or nearby the
vicinity of residential property</span> it must be disclosed according to the
Florida disclosure law.</span><o:p></o:p></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Florida real estate law requires sellers to
provide full disclosures when listing a home for sale even if listed "As
Is." An “As Is” contract does not relieve a seller of the duty to
disclose. An "as is" contract does not allow a seller to withhold
knowledge of known defects. Defects that materially affect the value of a
property that can’t be immediately seen or discovered by the buyer must be
disclosed by the seller.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">If a seller tries to repair a defect and does not disclose it and that defect leads to additional damage that they may/may not
have been aware of they will also be responsible for this additional damage.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Sellers can only disclose what they are aware
of. If a repair was made and seller thought the problem was resolved (in good
faith), the seller would need to disclose that a repair was made. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">You can’t rely on the honesty of others while
buying or selling property. The buyer must be aware and the seller must be
cautious. <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Whenever buying or selling a property it’s
important to consult with an attorney particularly with the many disclosures,
and requirements sellers and buyers must provide, sign and review when buying
or selling property.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
<br />
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Consult with <a href="http://laniganpl.com/winter-park-florida-attorneys-eric-a-laniganeric-a-lanigan%E2%80%A6-park-attorney/eric-a-lanigan-winter-park-attorney/">Eric Lanigan</a> and <a href="http://laniganpl.com/winter-park-florida-attorneys-eric-a-laniganeric-a-lanigan%E2%80%A6-park-attorney/roddy-b-lanigan-winter-parkbankruptcy-foreclosure-real-estate/">Roddy Lanigan</a>
regarding any real estate issues, contracts or disputes. Eric Lanigan has
practiced business, civil, financial and real estate law in Florida since 1976;
Roddy Lanigan has practiced since 2007. The Lanigans are experienced attorneys
who provide clients with aggressive representation with a personal touch. <o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com19tag:blogger.com,1999:blog-8492405815976665170.post-76487134020774265982013-05-12T21:36:00.002-07:002013-06-12T23:53:00.796-07:00<br />
<h1 id="watch-headline-title" style="border: 0px; font-family: arial, sans-serif; font-size: 19px; margin: 0px; overflow: hidden; padding: 0px; text-overflow: ellipsis; white-space: nowrap; word-wrap: normal;">
<span class="watch-title long-title yt-uix-expander-head" dir="ltr" id="eow-title" style="-webkit-user-select: auto; border: 0px; cursor: pointer; font-size: 0.9em; letter-spacing: -0.05em; margin: 0px; padding: 0px;" title="What to Do When You Get a Florida Foreclosure Acceleration Letter">What to Do When You Get a Florida Foreclosure Acceleration Letter</span></h1>
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A common problem in the early stages of <a href="http://bankruptcy-lanigan.com/foreclosure/">foreclosure</a> involves the acceleration letter, also called the 30-day letter from the lender.<br />
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Find out more about this topic by viewing the video on this issue at the <a href="http://www.youtube.com/watch?v=7ys9HqQwGFM">Lanigan&Lanigan YouTube</a> channel.<br />
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This letter from the lender notifies you that you're in default. It sets forth requirements to cure the mortgage foreclosure and default. It's considered to be the Miranda rights of foreclosure.<br />
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<b>Why Are You Getting This Letter?</b><br />
You're getting the letter because you're behind on your mortgage. The document is approved and required by Fannie Mae and Freddie Mac setting forth the requirement that the bank must notify you of the default and their intent to accelerate.<br />
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Why is that important? It's important because the Florida courts have ruled recently and consistently that the banks must strictly comply with this provision of the mortgage. Now remember this is their mortgage, they put this provision in there and therefore they must strictly comply with it.<br />
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The other important thing about it is almost everyone of these letters is defective. If you followed strictly down the line of the requirements of the acceleration letter, usually the letter does not comply with the bank's own mortgage language.<br />
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<b>If the 30-Day Letter is Defective</b><br />
The remedy that the court must apply is dismissal of the foreclosure action. Not stop the <a href="http://bankruptcy-lanigan.com/foreclosure/foreclosure-questions-and-answers/">foreclosure </a>action so they can go back and send a new letter that fixes the mistake. Because remember the proper notification was a condition precedent to filing of the lawsuit. It's something that must be done before they have the right to file a foreclosure action.The proper remedy that the courts apply is to dismiss the foreclosure action.<br />
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Now does that suddenly mean that you have the house free and clear? No because that dismissal is what we call without prejudice. It means that the lender can refile the foreclosure action after they have complied with the proper acceleration letter. Now the significance of that is it will take a significant amount of time and because you have now won or are the prevailing party in the first foreclosure action you're entitled to recover all your fees and costs incurred in defending that first foreclosure action before the bank can file their second action.<br />
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<b>Florida Five Year Statute of Limitations</b><br />
If it has been more than five years since your last payment on the mortgage since you went into default fortunately for you, the statute of limitations in Florida is five years. They now have to refile the lawsuit and you now have an entirely new defense which a catastrophic defense from the bank's perspective. They cannot pursue the foreclosure action because the statute of limitations has run.<br />
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If the bank can't sue to collect on the note then they can't foreclose on the property. If there's no suit on the note, there can't be a foreclosure action. Therefore they can't proceed. They're frozen.<br />
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The next step would then be for the homeowner to file a quiet title action to remove the mortgage lien because the mortgage lien cannot be enforced so the end result there is no debt, no mortgage.<br />
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<b>Don't Try Handling This Without An Attorney</b><br />
You've got that acceleration letter, keep it. It could be vitally important in the defense of your foreclosure action. And if you've already gotten it, go find it because it's going to be a very important tool down the road if it's used properly.<br />
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Contact <a href="http://bankruptcy-lanigan.com/eric-a-lanigan/">Eric Lanigan</a> and and <a href="http://bankruptcy-lanigan.com/roddy-b-lanigan/">Roddy Lanigan</a>, of Lanigan and Lanigan, a law firm in Winter Park, Florida to invest in a consultation to review your foreclosure. <a href="http://bankruptcy-lanigan.com/contact/">Contact </a>the office at 407-741-7379.Anonymoushttp://www.blogger.com/profile/17025022993515585145noreply@blogger.com1