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

Zoraida Perez

Google

I was updated with any changes and was charged one flat rate. I had used this firm before and have always had excellent results.

Edward Littlejohn

Google

I met Mike Wasylik after he gave a presentation at an Attorney conference. Mike was very thorough and efficient. He had a focus on providing great service for his clients. He's the kind of attorney that you want on your side when it comes to foreclosure defense.

Richard Zimmer

Google

I was a mess.Very worried because I have never been sued before.My life was already in shambles when I was served a law suit from Midland Credit Management for an old debt.I saw Mr Wasylik on youtube giving free advise for people like me.I decided to call him.He was not on youtube looking for business.He was just trying to give free advise to the public.This was the best call I could have made.My case was dismissed with prejudice in just a few days.Money well spent for piece of mind.Thank you all so much for your professional help.I actually spoke only to Mr. Ricardo on the phone.He seemed like a very genuine guy.