Is a Dyck O’Neal Lawsuit Valid if it is Served After July 1, 2014?

| August 10, 2014

An Update to The Most Frequently Asked Questions We Receive About Deficiency Collection Lawsuits. We have posted before about some of the most popular questions we are asked about deficiency lawsuits.  Recently, the most often asked question is whether a Dyck O’Neal’s lawsuit is valid (related to old foreclosure cases) if the home owner is […]

Dyck-O’Neal Increases Florida Deficiency Judgment Collection Efforts?: 19 Articles About Florida Deficiency Judgments

| April 8, 2014

I believe in an effort to meet the July 2014 deadline related to Florida deficiency judgments, in appears as if Dyck-O’Neal has been aggressively filing lawsuits to collect on old foreclosure judgments. In our office, I’ve been receiving a lot more calls about these types of cases, with most of the lawsuits being filed by […]

Florida Families After a Foreclosure: What Happens to Florida Households Post-Foreclosure? Good News as Foreclosures Don’t Block New Home Mortgages

| February 4, 2014

The impact of a foreclosure upon a family and its financial future has been the subject of many studies over the last several years, particularly after the recent Housing Crisis hit the United States. (For example, read the 2011 study by a Federal Reserve economist about “The Post-Foreclosure Experience of US Households.”) The logical thing […]

Flopping In Florida: Real Estate Agents And Insider Realtor Deals – Are You A Victim Of This Kind Of Florida Real Estate Fraud?

| January 28, 2014

Last Update: 04/18/16 In recent years, most of us in South Florida have become all too aware of real estate “flipping” — where a distressed home is purchased by an investor who goes into the deal with the idea of doing some improvements to the place and then reselling the place for a profit. It’s […]

2014 Surprise for Florida Underwater Mortgages: Mortgage Forgiveness Debt Relief Act Tax Break Has Not Been Extended – Deficiency Will Be Taxed in 2014

| December 31, 2013

This time last year, we discussed how Congress was “kicking the can down the road” by passing federal legislation that extended the 2007 Mortgage Forgiveness Debt Relief Act’s tax break for one year as part of last year’s Fiscal Cliff legislation. (Read the details here, “Florida Short Sales and Florida Foreclosure Defense Deadline for Tax […]

Florida Hardest Hit Fund Applications Accepted Today – For the Few Florida Home Owners Who Will Get Help

| October 1, 2013

Beginning this morning at 9:00 am, the Florida Hardest Hit program sprang back to life, accepting new applications for the federal principal reduction program that promises Florida home owners burdened with underwater mortgages a decrease of up to $50,000 in their mortgage loan balance. That’s right: under the Florida Hardest Hit plan, Florida mortgages can […]

Florida Foreclosure and Florida Bankruptcy: Two Trains On Different Tracks – More to Consider Before Filing Bankruptcy to Halt Florida Foreclosure

| September 10, 2013

Last Update: 02/24/16 Filing bankruptcy as a foreclosure defense strategy here in Florida may or may not be a good idea (see our earlier post). There’s one factor in this decision now that was not there years ago: time. The glut of Florida foreclosure cases on file in Florida clerks’ offices around the state has […]

Foreclosure Help Fraud: 5 Tricks to Spotting Foreclosure Relief Scams When You’re Fighting Against a Florida Foreclosure or Trying to Lower That Home Mortgage Payment

| August 27, 2013

Is it the sunny summer weather here in Florida or the record-breaking number of Florida foreclosures that is so tempting to fraudsters that they come up with so many different and creative ways to con Florida homeowners (homeowners who are trying to deal with their troubled mortgage) out of their money and maybe out of […]

Flippers Making Lots of Money in South Florida: Is this Great News for Short Sale Home Owners and Florida Borrowers Fighting Foreclosure?

| August 6, 2013

This week, Moody’s is reporting on investors being concerned about how long it’s taking states with judicial foreclosure procedures (like Florida, New York, and New Jersey) to clear out all those residential foreclosures because the carrying costs of those loans impact the decisions made by investors in residential mortgage-backed securities. The longer it takes to […]

Deficiency Judgments and Past Due Condo Association Payments

| June 4, 2013

In Florida, one result of the past few year’s foreclosure fraud crisis has been chaos for condo associations across the state as Florida condo unit owners have become delinquent in paying assessments. Often, strapped condo owners make arrangements with their lenders regarding deficiency judgments but fail to do the same with their condo associations.  It’s […]