What can you do to STOP THE CALLS? What can you do when debt collectors or banks or credit cards ruin your peace of mind by calling constantly, maybe about debt you didn't even have, or got discharged, or paid off long ago? Do you know that federal law and Florida law offer major protections to consumers from abusive debt collection practices? Did you know that you can not only stop the calls but put MONEY IN YOUR POCKET while doing it? Ricardo & Wasylik attorney Michael Wasylik answer those questions in this video: If you're like to know more, please call Florida lawyers Mike Wasylik and Jason Ricardo at 888-830-0830., or reach us at http://ricardolaw.com/contact

The foreclosures that wouldn’t die: deficiency judgment claims hit hard after the house is long gone.

All across Florida, former homeowners who lost their homes to foreclosure years ago are getting a nasty surprise: brand-new court papers demanding money for so-called “deficiency judgments.” Even though you lost the house—or gave it up—long ago, someone is still trying to squeeze money out of you… We’re now seeing cases from companies named Dyck O’Neal, Vantium Capital, and others, all of them filed just before the middle of the year. Why is this happening now? Partly because of your Florida Legislature. In 2013, Florida passed a new law setting a deadline of July 1, 2014, to file any deficiency claims on older foreclosure cases, and setting a new one-year deadline for new cases. We’re seeing a stockpile of old cases come back to life in just the last month or so. (If this makes you mad, write a letter to your Florida Senator or Representative and demand to know what they’re going to do to protect Florida consumers this year—and vote.) So what do you do if you get hit with one of these claims for a deficiency judgment? First of all, ACT FAST. If you ignore it, you’ll lose all your rights. Immediately talk to a lawyer who can help you figure out what defenses you have and whether you can beat the deficiency claim entirely.

Save your job, save yourself thousands of dollars, clean up your credit: Mike Wasylik Interviews Credit Education Consultant Laurie Zoock

July 22, 2014

Florida Foreclosure Defense Lawyer Michael Alex Wasylik interviews Credit Education Consultant Laurie Zoock about credit scores and credit reporting. You’ll learn a ton of useful information in just 63 minutes: How to dispute inaccurate information on your credit report Why the credit reporting agencies make MORE MONEY if they report false, negative information about you […]

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Don’t make this deadly foreclosure mistake—find out what to do instead.

June 29, 2014

One of the most frustrating things we see in the foreclosure field is the person we could have helped, if only they had come to us before making some fatal mistake that killed their case, blew their defenses, and lost the home we could have saved for them. In this short video, you’ll learn: The […]

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Critical foreclosure information for Realtors and real estate agents and brokers

May 15, 2014

If you’re a real estate professional—whether you’re a Realtor, a broker, or an agent–or you work with someone who is—then you need to hear what Florida Foreclosure Defense Attorney Mike Wasylik has to say about handling foreclosures. Here are three things you’ll learn: The surprising way some well-meaning agents break Florida law handling foreclosures The […]

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New Federal law prevents dual-tracking during loan mod and short sale—by Florida Foreclosure Defense Lawyers Ricardo & Wasylik

April 18, 2014

Does your bank owe you money? A new federal law banning loan-mod misdeeds could put money on your pocket. You’ve been in your own personal loan mod horror story: Ask the bank for help. Submit a loan mod packet. Submit it again. Submit it again. Update “stale” documents. Submit another packet because they “didn’t receive” […]

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What Our Clients Say

March 29, 2014

You’re wondering if getting a lawyer is the right thing to do. Don’t take our word for it—take a few minutes and listen to the stories of some of the people who have come to us for help: [audio http://floridaforeclosurefraud.com/wp-content/uploads/stories-1.mp3] If you hear something in their stories that sounds like what you’re going through, contact […]

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Florida Hardest Hit Help Program

April 19, 2011

The State of Florida has received federal funds to help homeowners: pay their mortgages during periods of brief unemployment (less than six months), or reinstate their mortgages when they are back on their feet after a period of default. The official government website is FLhardesthit.org and there is no fee to apply, ever. (Beware of […]

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