As the managing partner of the largest foreclosure defense firm in Northeast Florida and the only practicing attorney on Jacksonville’s Foreclosure Task Force, members of the media often contact me for my opinion foreclosure issues.  Last week, I appeared on local National Public Radio (NPR) affiliate, WJCT, to discuss “homeowner walk-away” with the host of [...]

Author’s note – Although not publicized, I am absolutely convinced there is a race in the State of Florida to prove which Floridian can do the dumbest thing.  Given recent actions by some bankers, lawyers and public servants, my guess is that the prize for first place must be pretty awesome.  This series will expose [...]

As a Florida foreclosure defense attorney who personally meets with 25 new distressed homeowners every week, I am often the second lawyer consulted about the foreclosure.  The first lawyer is usually a California lawyer promising a mortgage modification, and the outcome is always the same: My clients complain that they got absolutely nothing for their [...]

As a foreclosure defense attorney, I am often asked about the difference between a note and mortgage in the context of a foreclosure.  If you think back to the day you closed on your home loan, you can probably recall signing a bunch of papers, none of which you read or understood.  That’s pretty common.
Well, [...]

As a Florida foreclosure defense attorney, one thing I’ve learned is that mortgage servicers don’t want homeowners to know who owns their loan.  In about half of all foreclosure complaints I see, the servicer is the plaintiff, and the identity of the owner is not revealed in the pleadings.
Generally speaking there are 4 owners of [...]

As a lawyer with 500 actively defended foreclosure cases throughout the state of Florida, I have argued nearly every conceivable foreclosure issue before dozens of Florida judges.  Clients often ask me, and I often ask judges, “What is the role of a judge in foreclosure cases?”
Don’t get me wrong.  I know the answer, but over [...]

As a Jacksonville Florida foreclosure defense attorney, I am often contacted by homeowners requesting representation in the loan mod process, and my answer is always the same: NO!
My firm never engages in the pointless process of loan modification because we would like to keep our sanity, thank you very much!
There is only one way to [...]

As a Florida foreclosure defense attorney, I’ve counseled literally thousands of people about their past due mortgage.  The first thing I tell my client to do is emotionally divorce yourself from your home.
The mortgage industry looks at the American homeowner like cattle, and there is no concern whatsoever about the social implications of mass foreclosures. [...]

Our politicians’ and our financial institutions’ inability or unwillingness to fix our real estate market should disgust every Middle Class American.  The result has been the continued destruction of homeownership and community by the foreclosure cancer.  It is a cancer that began attacking the weak cells of the low-middle class and has spread to a [...]