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During the pandemic, millions of homeowners fell behind on their mortgage payments and the federal and state governments provided many options for relief. Now many of those programs have expired, or are set to, but many people are still facing economic hardship. Recently, the Biden Administration announced a new program…

In response to the COVID-19 crisis, the federal government passed the Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”), which provided a forbearance for struggling homeowners and other consumer protections. However, these protections via forbearance are expiring soon. Here is what you need to know about this issue…

A short sale is an option many homeowners pursue when they owe too much on their mortgage and they cannot afford to pay it off. While a short sale is a great way for homeowners in South Florida to avoid the foreclosure process, not every short sale is a success….

It was on June 29, 2021 when Florida Governor Ron DeSantis signed CS for SB 1120 (2021) into law, which has made substantial changes to the current state laws governing telemarketing in the state. Under the law, telemarketers are prohibited from using automated dialing systems or recorded messages in text…

It is no secret that many. homeowners in South Florida are in trouble as the federal moratorium on federally-backed mortgages comes to an end. The moratorium on federally-backed mortgages was first set to expire at the end of June, but the Biden Administration extended it to July 31. Considering that…

Cavalry is one of the biggest debt collection companies out there and if you have received notice that they have filed a lawsuit against you, it is easy to panic. However, you mustn’t do. Panic often leads to ignoring the problem, which is the worst possible action to take in…

Enormous and unexpected expenses can come up at any time, and you may find yourself considering applying for a personal loan. While a personal loan can bring some much-needed relief, it can also become a very stressful part of your life. To ensure that you do not default on your…

According to a recent report released by Sallie Mae, the average American college student carries five different credit cards, and the average balance students carry is $1,423. Approximately six percent of college students carry over $5,000 on their credit cards in debt. For students that graduate with high student loans,…

If so, we would love to speak with you.  Homeowners and condominium association attorneys often commit debt collection harassment and abuse violations when sending collection letters, demand letters, and claims of lien to struggling homeowners. We have seen these lawyers sue people over being delinquent over a few hundred dollars…