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

Ellen Myerson

Facebook

Mike Wasylik was my attorney. He always answered my questions thoroughly, before and after the trial. During the trial, he was the epitome of professionalism, was always polite to the judge and the plaintiff's attorney and witness, was thoroughly prepared for trial, made solid arguments citing cases and providing copies to all, and he won the case for me.

Melissa

Avvo

Jason has represented me in a difficult and aggressive foreclosure case against Wells Fargo for years. He has successfully managed to hold them responsible for a multitude of errors regarding my mortgage, and their actions incredibly frustrating and borderline illegal activities since. I can't recommend him more highly.

Nadia Elie Justice

Facebook

Mr. Wasylik was very patient, thorough, and knowledgeable. He always kept in touch and we were always in the loop regarding the status of the case.
Highly recommended!