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People undergo so many financial transactions in their lives that it’s impossible to keep track of them all. Debt collectors do not only know this, but they count on it. They use it to try and collect on debts that someone never owed. These are known as phantom debts, and…

Many homeowners in South Florida are finding themselves in foreclosure for falling delinquent on homeowner’s association and condominium association dues.  Typically the association will have an attorney sending a letter to the homeowner that the association intends to foreclose. If you have received a letter from any of the attorneys…

All of us have fallen on hard times at one point in our lives and have struggled to keep up with our debts.  However, sometimes circumstances beyond our control get the better of us and there simply is not enough money at the end of the month to pay every…

As state and federal forbearance programs come to an end, it has sent many homeowners into a panic. Without the foreclosure protection residents in Broward County have been enjoying for the past 14 months, many residents are in fear of losing their homes. While Florida is not likely to see…

It is no surprise that the pandemic has caused millions of people across the country financial hardship. A recent study conducted by WalletHub showed Americans paid approximately $82.9 billion in credit card debt just last year alone. While the news is good, as it shows that many people are paying down…

The year 2006 was almost 15 years ago but for homeowners in Florida, it sometimes seems like it was just yesterday. It was at that time the entire country experienced one of the biggest real estate housing bubbles in history. While a booming real estate market is often the sign…

Floridians have slowly started receiving their stimulus checks, just like so many other Americans. These checks are coming at a time when many people are also receiving their tax refunds, which will definitely bring some relief to many families that have been struggling throughout the pandemic. The first thought people…

Our office has been inundated with calls from homeowners who are concerned and even panicking because their CARES Act forbearance is coming to an end, or has already come to an end, but they do not know the next steps.  The reality is that millions of homeowners across America are…

Medical debt is one of the main reasons why people file for bankruptcy or withdraw savings from their retirement accounts. People may develop an unexpected condition that requires extensive medical treatment. The cost of that treatment can make it difficult to pay for everyday expenses at the same time. Even…