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

Kellam Parks

Google

As an attorney, I can especially appreciate fellow counsel that are passionate about being an advocate for their clients. Mike Wasylik and his firm epitomize this trait. They go to bat for the consumer who is faced with the daunting task of standing up to big banks and giant debt collectors. Their clients are well served - having the support of knowledgeable, tenacious, and experienced legal counsel to fight back. I highly recommend them.

Jerry

Avvo

Without a doubt Mike is the best I have ever seen in this business, consistently on top of his knowledge of foreclosure defense law, compassionate, and understanding of his client. One of the Good Guys!!!

Posh Debdeb

Google

I am very impressed. Mr. Ricardo was so helpful and handled my case quickly. The entire staff is amazing. I would highly recommend Ricardo & Wasylik. I would like to thank everyone who handled my case. I am forever grateful.