Tampa Car Accident Lawyer. Affordable Legal Help Tampa. Second Mortgage Stripping Tampa. In some cases, filing bankruptcy may eliminate a second mortgage that is no longer supported by the market value of the home.
Your eligibility depends on whether your first mortgage is more than the fair market value of your home. This option has the can substantially reduce overall debt. For example, if you have a second mortgage or a home equity loan that can be “stripped” or eliminated if there is no longer equity in your home. Stripping a second mortgage thru bankruptcy can eliminate secondary mortgage debt on your home as long as no equity exists in the home. Tampa Deed in Lieu of Foreclosure. Loan Modification Tampa. The success of a loan modification is based on several factors including hardship, income and the ability to pay the loan.
It depends on the individual lender and what programs maybe available. When you request a modification with your lender the process may take several months. Many people are under the mistaken impression that after foreclosure process is initiated that the lender will not continue foreclosure proceedings if you have sent them the loan modification package. Lenders will continue the foreclosure process if the loan is delinquent even though they are reviewing your loan for a modification. Tampa Short Sale Lawyers. What is a Short Sale?
Simply stated. A short sale is when the lender accepts less than the amount owed on your mortgage. Can I Keep My House in Foreclosure. Tampa Foreclosure and Bankruptcy. How Does Bankruptcy Affect a Foreclosure Proceeding?
Filing a personal bankruptcy triggers an “automatic stay” that suspends debt collector harassment, repossession efforts, pending lawsuits from creditors, foreclosure and wage garnishment. Homeowners, who want to keep their homes, may qualify for a Chapter 13 bankruptcy that enables them wipe out some debts and catch up on mortgage payments over a period time.
In some cases, filing bankruptcy may eliminate a second mortgage that is no longer supported by the market value of the home, which can substantially reduce your overall debt. Individuals who attempt loan modifications may file a Chapter 13 bankruptcy to prevent further mortgage debt from accumulating. It is not uncommon for homeowners who apply for a mortgage modification to wait for several months before being considered for a mortgage modification. The Gina Rosato Law Firm Tampa. Should I see a doctor for my injury?
You may not feel any pain or discomfort immediately after an accident but you should still have a medical examination in case there are any hidden injuries. It is not uncommon for some people to feel worse several days after an accident than they did at the accident scene. Who will pay for my medical care if I am injured? If you have personal injury protection benefits on your policy, your insurance will cover your medical expenses up to your coverage limit amount less your deductible. However, certain exceptions apply so it is important to contact an attorney to assist you in navigating that process.
Tampa Orthopedic Injury Attorney. Tampa Wrongful Death Attorney. Tampa Trucking Accidents. Semi-trucks drivers are responsible for many auto accidents, deaths and injuries on the road.
Companies owning, commercial trucks, 18-wheeler trucks and tractor-trailers are responsible for performing regular maintenance to prevent equipment failure. Trucking companies are also responsible for maintaining logs/records of driver time and loading history, maintenance and repair records for each truck, as well as, employment and policy manuals. Brain Injury Attorney Tampa. Tampa Spinal Cord Injury Attorneys. Slip and Fall Lawyers Tampa. Negligent Security Attorney Tampa. Tampa Motorcycle Accident Attorney. Florida is ideal year round for motorcyclists to enjoy.
The freedom of motorcycle riding is much more dangerous then driving a car so the risk of serious injury, or death, is substantially greater. Florida has one of the highest incidents of motorcycle accidents in the country. A moment of distraction by a car driver can prove fatal to a motorcycle rider who can be difficult to see due to the bike’s dimensions and ability to move quickly. Drivers that fail to maintain their lane, or do not see the bike rider in their mirror, often merge into a motorcyclist and cause serious accidents. While it is not legally required to wear a helmet in the State of Florida insurance companies may point to a lack of helmet use as proof of partial negligence on the part of an injured adult motorcyclist. Dog Bite Attorney Tampa.
Defective Products Attorney Tampa. Tampa Car Accident Attorney. Nearly every driver has had the unfortunate experience of being involved in an automobile accident at least once in their lifetime.
In fact, someone is involved in an car accident every five seconds. Most accidents are preventable. You are legally entitled to bring a personal injury action against the person or parties responsible for your car accident injuries. If you are a victim of a Tampa Car Accident it is important to consult with an experienced Tampa Car Accident Lawyer. Tampa Personal Injury Attorneys. First, I take pride in ensuring that my clients are always treated with respect, their cases are handled efficiently, with zealous and that all of their questions and concerns are addressed promptly.
Your choice for legal representation in an accident is critical and you should have the utmost confidence in your choice of a personal injury attorney. It is important that you to find an attorney who you trust and who is a good fit for you and your case. If you are later unsatisfied with your representation, it maybe difficult to find a second attorney to take your case. Rather than relying on an advertisement, interview your potential attorney and be comfortable with your decision to hire them. Gina Rosato Law Firm Tampa, Florida. A Chapter 7 bankruptcy case can take between 5-8 months to complete.
A Chapter 13 bankruptcy case can take an average of 3-5 years to complete. A Chapter 7 Bankruptcy case may be filed once every 8 years. A Chapter 13 Bankruptcy can be filed shortly after a Chapter 7, but if you want to receive a discharge of debts in the Chapter 13 you must wait at least 4 years between a Chapter 7 and a Chapter 13. Judgments entered against you are subject to collection of the debt for up to 20 years. Tampa Debt Settlement Negotiations Attorney.
Often our clients are faced with debts that force them to consider options such as bankruptcy. It is not uncommon for some clients to have a single debt that needs immediate attention due to pending litigation or wage garnishment. Not every client is an ideal candidate for bankruptcy and in some cases clients prefer assistance in resolving collection debt through debt settlement negotiations or they only have one problem debt that is causing issues such as a collection, judgement, or pending lawsuit leading to collection of assets or garnishment. Tampa Debt Harassment Lawyer. FDCPA and FCCPA Violations FDCPA and FCCPA Violations often occur when a creditor or collection company acts in a harassing conduct. These may be some instances that are considered debt harassment: TCPA Violations A TCPA violation is occurs when a debt collector or creditor calls a consumer’s cell phone when they did not have authorization to call the cell phone, or when they used to have prior authorization, but the authorization was later revoked.
Authorization that is provided to an original creditor, such as in a credit application can be transferred to a subsequent collection company. Tampa Judgments and Bankruptcy. Creditor lawsuits and financial judgments against you are major legal proceedings that can compel a person already struggling with mounting debt to seriously consider filing bankruptcy. Creditors who obtain judgments are able to garnish your wages for up to 25% of your disposable income and obtain access to readily available money in your personal bank accounts. A bankruptcy filing brings the relief of an “automatic stay”.
Tampa Marital Debt Lawyer. Both spouses do not always have to file for bankruptcy together. Every situation is unique. I will evaluate your personal situation to determine whether it is more beneficial to file individually or jointly. Here are some advantages and disadvantages: Tampa Medical Debt Lawyer. The Gina Rosato Law Firm. It is not uncommon for people with debt to be behind on their personal taxes to the IRS. Tax debts that remain unpaid allow the IRS to assert tax liens, garnish personal wages and seize property. IRS tax debts accrue interest and partial payments can also lead to issues. On some occasions filing for bankruptcy can wipe out IRS debts.
Some IRS tax debts can be discharged with a Chapter 7 bankruptcy depending on their age. Generally, if income taxes are more than three years old and you filed timely tax returns they are likely dischargeable if you file for bankruptcy. Gina Rosato Law Firm Tampa. The Gina Rosato Law Firm. Gina Rosato Law Firm Tampa Florida. Tampa Wage Garnishment Lawyer. Tampa Chapter 13 Bankruptcy Attorney. What Debts Are Dischargeble In A Chapter 7. Do I Qualify For A Chapter 7 Bankruptcy. Tampa Chapter 7 Bankruptcy Attorney.
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