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

Lorna Williams

Google

Great consultation, Kim was very professional and they get the job done.

Tiger Horn

Google

Great work. Found them on YouTube and really did not expect them to be able to clear the case even after they said they could. I'm still really in shock and would recommend them to anyone dealing with debt lawsuits. Thank you guys so much.

Peter Morlon

Google

Mike Wasylik has fought the battle for us as far as he could take it and beyond. He was always on top of it and in spite of the outcome which was really due to a change in the law after we had already won, he did all he could to block all the rubbish the bank pulled against us.
I would recommend him without hesitation to any of my friend.