In this article, you can discover… The questions and process to expect during an initial consultation. How quickly legal action can be taken after a foreclosure consultation. Common misconceptions about the foreclosure process and how an attorney can help. What’s The Typical Structure Of An Initial Foreclosure Defense Consultation At The Dubyak Law Firm, P.A.? I start all my consultations by saying, “Hey, tell me a story. Why are you here? What do you think brought you to me today?” Much of the consultation will simply involve me getting a better sense of your background and your current situation. I’ll also ask specific questions related to your financial state. Is your hardship ongoing or temporary? Is your issue linked to genuine hardship (such as losing a job) or to something…Read More
In this article, you can discover… Whether you are legally protected from foreclosure during financial hardship in Florida. If filing for bankruptcy can halt or delay a foreclosure. Your rights as a renter should your apartment complex go into foreclosure. Am I Legally Protected From Foreclosure During Financial Hardship? No, you are not legally protected from foreclosure simply because you are having a hard time financially. When you used a bank to finance the purchase of your home, you made an agreement with the bank that you would pay them back in line with the terms of your mortgage. The fact that you are having a hard time doesn’t lessen or impact your obligation to pay the bank what you still owe. In rare cases, there may be a national…Read More
In this article, you can discover… Whether estate planning is only for the wealthy. If joint ownership of property with a spouse means you don’t need estate plans. Whether your spouse will automatically inherit your assets when you pass away. Myth #1: Estate Planning In Only For The Wealthy Estate planning can and should be done regardless of your financial status, as it serves several important purposes. Your will includes information such as your designated guardians for underage children, directions for the distribution of your assets, and a record of your preferences for medical care in case you become incapacitated. Myth #2: Only Older People Need Estate Plans This is certainly false, as anyone who owns anything of value or needs to care for dependents should have an estate plan.…Read More
In this article, you can discover… Whether DIY wills are legal and valid in Florida. The expenses associated with correcting a DIY will. How an experienced estate planning attorney can help you draft a valid will. How DIY Wills Work: What Is A DIY Will? A DIY will can mean that your will is anything from a handwritten document created at home to a will created with a prefab will form purchased from an office supply store. DIY will templates can be as simple as filling in the blanks on a form that serves as a will. Are DIY Wills Legal In Florida? As long as a will is executed properly in accordance with the requirements listed in Florida Statutes 732.502, it will be considered valid. Ultimately, the legality of…Read More
In this article, you can discover… Why estate planning is so crucial for Floridians. The documents you should include in a comprehensive estate plan. How to update your estate plan, and when to do so. Why Is Estate Planning Important For Florida Residents? Estate planning refers to the process of organizing your assets and determining what will be done with them when you pass away. Assets such as your money, properties, and investments will be included in an estate plan that dictates who will receive what after your passing. Planning your estate is also important as it will include making arrangements for care if you become incapacitated. Which Documents Should I Include In A Comprehensive Estate Plan? Estate plans generally come in one of two forms: Will-Based or Trust-Based. Key…Read More
In this article, you will learn the following: What a quiet title action is and how it differs from other legal property disputes. The evidence you need to support a quiet title action. How a quiet title action can impact the sale or refinancing of a property. What Is A Quiet Title Action, And How Does It Differ From Other Legal Property Disputes In Florida? A quiet title action usually arises when you purchase a property through a tax deed sale. These are sales where properties with delinquent taxes are auctioned off. However, to have an insurable title, you must claim the title from the previous owner. A quiet title action is essentially a lawsuit stating that the property is yours now and that your rights to the property are…Read More
In this article, you will learn about: How to find the right attorney to assist you in your foreclosure defense in Florida. The costs associated with hiring a foreclosure defense attorney and how representation can help you. The reality of pursuing a short sale on your foreclosure in today’s market. What Should I Look For In A Foreclosure Defense Attorney? When choosing a foreclosure defense attorney, it is important to consider the qualifications of your lawyer. Be sure you partner with a professional who has experience in foreclosure defense and understands the process of working with banks as well as other lenders. I spent a decade working with banks to foreclose homes and have developed a wealth of experience in how lenders operate, including the best ways to protect yourself…Read More
In this article, we will examine: The industry trends that determine how your mortgage may be impacted by a hurricane. The financial assistance and legal implications associated with hurricane damage in Florida. The process you can expect when working with a qualified attorney to face foreclosure after a natural disaster. Is My Mortgage Affected If A Hurricane Destroys My House? Since more than 60% of mortgages in the United States are held by Fannie Mae or Freddie Mac, most lenders will follow the lead of these two agencies when a natural disaster strikes. These agencies issue guidelines that will determine a period of time when homeowners will not be foreclosed on, meaning that banks will be unable to foreclose until the emergency situation is resolved. However, this does not mean…Read More
This article covers the following: The benefits of partnering with a real estate law firm over a standalone title company. Common questions to ask when choosing a real estate law firm. How to ensure accurate and thorough title searches. Can I Simply Use A Standalone Title Company? When looking for title insurance, it’s essential to know the entities you should be working with. The most common approach for buyers and sellers looking for title insurance is to work with law firms associated with title insurance. While you don’t need to be a lawyer to issue title insurance, there’s a lot that a standalone title company can not do, such as… Draft promissory notes Secure mortgages with hard money lenders Write legal contracts Curative deed work Corrective legal work Filing quiet…Read More
This article covers the following: How title companies simplify the purchase process in Florida. How these companies help identify potential issues with the property title. Why buyers should work with a local title company for optimal results. How Can A Title Company Simplify The Home Purchase Process In Florida? Any assistance you can get when purchasing your home can go a long way toward easing the process and helping you get to the closing faster. Dubyak Law Firm runs title closing and we strive to make everything as simple as possible. When you buy or sell a property, you’ll fill out a form called the buyer information sheet or the seller information sheet. The one-page document has all the information I need from you. If you’re the seller, I simply…Read More
