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

James & Marlet

Avvo

Mr. Wasylik is the epitome of Professionalism! My wife and I had no idea, when we hired him as our Foreclosure Attorney, the level of Skill, Knowledge and Compassion he possessed. He's always on time and prepared for all court appearances. We have been overwhelmingly surprised at his commitment to seeing our case through to a successful outcome. Our Family is so grateful to Mike Wasylik and his Firm for representing us in the fight to Keep our Home.

Anthony Lang

Google

Mike was my wife's attorney in a foreclosure case. He continues to find holes in the prosecutions case and helps her fight for justice. He has made our family feel secure with the truth and is open to our ideas on strategies in hopes to also help others like us. We would highly recommend Mike to anyone who has to hire an attorney.

Ateeyah Vassallo

Google

I could not be more thankful to Jason and Kim for helping me with my case. It literally took less than 48 hours from them taking over, to my case being dismissed. Services were efficient, I was kept in the loop the entire time, and really appreciated the step by step process. It’s important to trust your legal team. My consultation was smooth and Jason had me at HELLO! I wouldn’t hesitate to reach out again if need be.