I picked up two newspapers today and one said the housing market is coming around, and the other said foreclosures are up 15% from the same month last year.  The reality is the numbers don’t mean anything when people are losing their homes.  In January 2010, over 315,000 households in the United States received a [...]

As a mortgage foreclosure defense attorney, it really burns me up that homeowners are once again getting the short end of the stick.  There is a double standard going on in this real estate meltdown.  Lenders are telling homeowners that they have a “moral obligation” to pay their mortgages, and the failure to do so [...]

As a mortgage foreclosure defense attorney, I get asked quite a few questions about the foreclosure process. Fighting Foreclosure is one of the hottest topics in the legal world today.  The best part of fighting foreclosure is the great facts that we hear from our clients.  The best cases are the ones where the clients [...]

The other day I wrote a blog containing my thoughts on the recently enacted “Hope for Homeowners Act of 2008″.  After giving the new law more thought and listening to some recent news clips, I decided to detail more problems with the legislation.  This law has no teeth because of the voluntary participation aspect.  That’s right, [...]

It seems that every time you turn on the radio or television in Southwest Florida, all you hear is a new advertisement from a mortgage modification company and how many modifications are getting done and how good the banks are doing at saving homes.  If you call the latest scam company, they can help you [...]

Short sales in Southwest Florida, especially Lehigh Acres, Cape Coral and Fort Myers are nothing new.  We have been living with this problem for a while.  The new trend is for buyers to put in multiple offers on different properties creating a kind of buying frenzy.  This behavior may have been brought on by the [...]

Our second key player in the short sale process is the homeowner.  Obviously, the homeowner is the one player with the most at risk.  By the time they are entering the short sale process, not only are they significantly underwater on their homes, now they are also at least three months behind on their mortgage [...]

In the last few months, I’ve witnessed a very disturbing trend in Florida.  When a mortgage company starts a foreclosure, one would think that they have the intention of taking back the home, putting it on the market and selling the real estate.  In other words, protecting their investment by dealing with the distressed real [...]

Mortgage refinances in Florida are all the rage, but where are the banks who just recorded record earnings.  The Home Affordability Refinance Program known as HARP has been a dismal failure in Florida, especially Southwest Florida.  In cities like Cape Coral, Fort Myers and Lehigh Acres foreclosures have run rampant and continue to do so.
Even [...]

One of the most common topics that I am asked about on a daily basis is the short sale:  Can I short sale my property? Doesn’t it look better on my credit report to short sale the property?  Can I short sell the property to a relative?  What is the difference between a short sale [...]