Our Legal Services

Debt defense, debt collection violations, and credit report problems

Foreclosure Defense

Florida homeowners have been hit especially hard by the wave of foreclosures and bank failures that threatens the whole nation. For those who are in foreclosure or close to it, we can show you how and why to fight your foreclosure, and then serve as your first line of defense in the fight to save your home. But you must act now!

Fight Foreclosure Now

Deficiency Judgments

When you think your foreclosure is over and done, you get a new court paper from the bank demanding money. Even if you’ve done a short sale, deed in lieu, or a given your home back to the bank, they can often come after you for the rest of the loan, if the foreclosure auction didn’t raise enough money to pay it off. We have ways of making the bank pay for suing you twice.

Defend Against Deficiency Judgment

Credit Report Problems

Your credit report and credit score can determine if you get a loan or not; pay too much for interest or not; get an apartment or not; and in some cases, even whether you get or keep your job, or not. If there are mistakes in your credit report, it could wreck your life. But we can help.

Fix Your Credit Report Problems

Meet our attorneys

Jason J. Ricardo

Michael Alex Wasylik

Get our free foreclosure book

If you are facing foreclosure, download our “Consumer’s Guide to Defending Your Florida Foreclosure.”

How Ricardo and Wasylik, PL have helped

Thomas Voorhees

Google

Jason Ricardo saved our family from unjustly foreclosure enable our family to stay in our home and get on our feet now able to sell it not lose woohoo for this law firm.

Luey Alemdar

Google

I contacted Michael Wasylik and received a free 30 minute consultation without any strings attached. Michael's advice was superb and saved me from an impending disaster. I took and implemented his advice at zero cost. I can't say enough as to how honorable this attorney is. It's hard if not impossible to find a man of his magnitude. Thank you Michael!!!

LiveLoveLaugh

Google

I found Ricardo & Wasylik by doing a quick google search. I was in need of an attorney and I'm pleased my search landed me with Ricardo & Wasylik. I had a free phone consultation with Mr. Ricardo and he was professional, straightforward, honest , and confident. To the point, I was offered money back if the results weren't what he was promising.- I was hesitant with that statement but I trusted him and my instinct and I could not have been happier. Mr. Ricardo took my case and on a Friday and by Friday of the following week, everything was settled!!! I think that it would have been sooner, but the Labor day holiday fell into the mix.
I would recommend this law firm because every step of the way, Krista, kept me informed of what was happening and made sure I didn't have any questions. She too was professional and quick to respond. The rate was affordable and well worth it. I encourage you to give them the opportunity to serve you. You will not be disappointed.