CALL 813-282-9330 or 1-866-479-6946
FORECLOSURE DEFENSE - from $1 / DAY
Info@MyForeclosureAttorney.com
Stamatakis and Thalji, P.L. is a leading consumer justice law firm located in the Tampa Bay area and throughout the State of Florida. Our attorneys are committed to consumer and debtors' rights. We will fight to protect you from unscrupulous banks and lenders attempting to take your home or property.
Unlike other firms, Stamatakis & Thalji, P.L. dedicates their entire practice to helping consumers without hurting their pocket book. Our firm has developed the now famous mortgage foreclosure defense program for $1 per day. Our firm is dedicated to fighting for consumer rights against banks and other lending institutions. You pay your premiums, in return insurance companies should pay full value for claims. We will fight for you. Call us today and we will help you.
Our firm provides AGGRESSIVE and EXPERIENCED representation. Our lawyers are highly trained and aggressive professionals ready to fight for your rights. Consultations are always FREE.
Why MyForeclosureAttorney.com?
MyForeclosureAttorney.com is a full service consumer justice law firm dedicated to fighting for consumer rights against the banks and other lending institutions. At our law firm you will deal with real lawyers dedicated to protecting your home, your credit, and your future.
MORTGAGE FORECLOSURE FAQs
I am behind on my mortgage payments, what do I do?
Ignoring the problem will only make things worse. The further you fall behind on mortgage payments, the more difficult it becomes to reinstate or modify the loan. In turn, the more likely it becomes that you will lose your house. Prioritize your spending. Protecting your home, along with healthcare, must be your top priorities. Review your finances closely, cut spending in every other area. Staying current on your mortgage payment is vital. Extras such as cable TV, memberships, entertainment, shopping, dining, and leisure must be kept in check or cut completely. Payments toward credit card debt and other "unsecured" debt must take a backseat to your mortgage payment. Contact us immediately for a free consultation.
Call our firm today for your FREE Consultation.
I am in foreclosure, what options do I have?
There are many options available during the pre-foreclosure and foreclosure process. Think clealry. Act quickly. Options include:
• Bankruptcy
• Pre-Foreclosure Sale
• Short Sale
• Loan Refinance
• Loan Modification/Loan Restructuring
• Loan Forbearance
• Assumption
• Partial Claim
• Reinstatement Plan
• Repayment Plan
• Deed-in-Lieu of Foreclosure
Mail from your lender and lender's attorney. What do I do?
Take advanatge of the intial notice letters you receive to learn your options. Mail will ultimatley include important notices of pending legal action and important dates and deadlines. Failure to check your mail is no excuse in foreclosure court. Ignoring legal notices makes the situation worse. Before responding, contact our firm immediately for a free consultation. Your lender has a law firm working for them, so should you.
Call our firm today for your FREE Consultation.
I was served with a summons and foreclosure complaint. What do I do?
CALL OUR FIRM IMMEDIATELY for your FREE CONSULTATION. If you do not hire a competent lawyer then you must respond in writing by filing an answer, any affirmative defenses, and counterclaims within 20 days. Delay only makes the situation. Failure to act will bring upon the worst case scenario - FORECLOSURE. Florida's mortgage foreclosure process leave you siffering serious, long-lasting problems in the form of judgments, liuens, damage to your credit, and the burden of additional debt. IF you ignore the problem today then you will certainly be forced to deal with it tomorrow. The longer you wait, the worse it gets. The quicker you act, the better chance you have. Your decision to engage the process and protect and defend your rights as an American property owner may ultimately serve to preserve, protect, and safeguard valuable legal rights affecting your future income, credit worthiness and income tax liability.
Call our firm today for your FREE Consultation.
What if I do nothing?
A default judgment will be entered against you. The Clerk of the Court, an elected government official, will sell your home or property to the highest bidder at the courthouse steps. This usually occurs within 30 days after final judgment.
Call our firm today for your FREE Consultation.
Should I use a foreclosure prevention company?
NO!!! These companies are not lawyers and charge outrageous fees while offering no real service at all. Why pay high fees to non-lawyers when you should be paying your mortgage instead?? These companies promise to negotiate a solution with your lender. They charge up-front fees, directly out of your pocket and have only one priority -- profits. Often times, such businesses promise the ability to delay or stop the foreclosure process. Rest assured they have no power to interfere with or stop the legal process. Typically, they are looking to take your property for themselves or simply make money off of charging you excessive fees (often two or three month's mortgage payment). Watch out for foreclosure recovery scams! If any business claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and become a renter in your own home. Never sign a legal document without reading and understanding all the terms. The advice and counsel of an experienced lawyer is a necessity. Call our firm today for your Free Consultation.
Will foreclosure damage my credit score?
YES!!! Calculating the exact damage to your credit due to foreclosure is impossible. Numerous factors determine your overall credit score. However, it has become clear that loss mitigation options, such as short sale, significantly softens the blow to your credit score. Some experts have suggested that short sale and otehr loss mitigation options may save a 100-125 point decline in your overall credit score. Typically, late mortgage payments are reported negatively on your credit. Generally, negative marks will remain on a credit report for 7 years. Foreclosure judgments also remain on credit score for 7 years. There are two essential factors needed to improve your credit: Time and timely payments. Over time, if you keep current on all of debts, your score will improve. Aditionally, other factors, such as minimum retail credit card accounts, less then 30% debt-to-income ration, and maintaining less then 10% debt balances on your major credit cards will all serve to maximize your credit score.
Call our firm today for your FREE Consultation.
BANKRUPTCY: CHAPTER 13
Chapter 13 Bankrupcty may be the ideal choice for those wanting to save their home or property. A timely Chapter 13 will stop the foreclosure in its tracks. Chapter 13 bankruptcy allows you to pay arrearages over time, usually 3-5 years, and ultimately reinstate your mortgage. A Chapter 13 requires that you pay your current bills as you simultaneously pay into a plan that brings current your past debt.
Call our firm today for your FREE Consultation.
BANKRUPTCY: CHAPTER 7
A Chapter 7 Bankruptcy case does not involve the filing of a plan of repayment as in Chapter 13. Instead, the debtor's nonexempt assets are sold and the proceeds are used to pay creditors. The debtor's property may be subject to liens and mortgages that pledge the property to other creditors. Additionly, the Bankruptcy Code allows the debtor to keep certain "exempt" property; but a trustee will liquidate the debtor's remaining assets. Accordingly, potential debtors should realize that the filing of a petition under chapter 7 will not stop the foreclosure process. Chapter 7 may be for those that have very large amounts of debt and are also too far behind on their mortgage to catch up.
Call our firm today for your FREE Consultation.
WIll I owe the IRS after a Foreclosure?
This depends on a number of factors. Namely, does your home or property have equity and type of loan you purchased. In the current market, homes with little to no equity are usually sold for less then the balance of the mortgage due. In these instances, the lender will either forgive the balance of the mortgage owed or sue you for a deficency judgment. The Internal Revenue Service considers any debt forgiven by the lender as income to you. This only serves to increase your tax liability. A grossly unfair result for those kicked out of their homes by rich banks that pay little taxes. If, on the other hand, the sale of your home results in a net gain, the may be a gain in tax liability in the form of capital gains. Obviously, the IRS and the banks make it very difficult on the average consumer. However, there are several ways to offset any increase in tax liability as a result of a short sale or foreclosure. CONSULT WITH A CERTIFIED PUBLIC ACCOUNTANT. Tax code is too complicated for most to understand and should be left to trained professionals.
Call our firm today for your FREE Consultation.
When will I get kicked out of my house?
The Sheriff, an elected official, will physically evict you, removing you and your personal effects from the property, usually in as little as 10-15 days after the forced sale of your home.
Call our firm today for your FREE Consultation.
How can an experienced and knowledgeable lawyer do?
Believe it or not, you do have many rights and defenses available to you throughout this process. An experienced lawyer will determine your best course of action. Once your priorities and realities are set, an eperienced lawyer will fight to protect your rights.
Call our firm today for your FREE Consultation.
MyForeclosureAttorney.com - CONSUMER JUSTICE ATTORNEYS
Speak to a real lawyer today. Email us at Info@MyForeclosureAtty.com