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

Verlene Johnson

Google

I reached out To Mr. Ricardo for help with my debts, and his whole team worked hard every moment to get me a great out come. I will always be gratefully, and will recommend their services.

Eddie Dunning

Google

A few days ago ran across a video on YouTube Attorney Michael Alex Wasylik with the law firm Ricardo & Wasylik PL. He explained how to get a Forbearance on my loan with Mr. Cooper a mortgage Servicer. Mr. Wasylik explain every step of how to get a forbearance with Mr. Cooper I watch the video on YouTube a few time and I did everything he said and went to the Mr. Cooper's website and followed the forbearance instructions and remembered Mr. Wasylik said get everything on paper for your records.
Mr. Wasylik was very Professional, Knowledgeable, and caring on the video about others and this was very helpful during these times with the COVID-19 when so many need help. Thank You Mr. Wasylik,You may never know if you have help someone viewing the YouTube videos but this time you have been a great help.

Jon Katz

Google

Michael has the knowledge and experience to serve his clients well. I recommend his services.