How To Defend Against and Eliminate Deficiency Judgments

The most recent increasing trend in cases coming into our office are “deficiency judgment” actions brought against homeowners AFTER a foreclosure, short sale or deed in lieu.


One of the most difficult challenges we face in assisting homeowners through the process of a loan modification, is the threat of foreclosure, or foreclosure sale of the property we are trying to preserve.


Since June 2013 when the Florida legislature approved additional funding to clear the huge backlog of residential foreclosures, major changes have occurred to the time in which foreclosure cases are brought to trial

Three Major Mistakes by Homeowners When it Comes to Association Dues

By Omar J. Arcia, Esq.Foreclosure Defense and Bankruptcy Protection Attorney   Many homeowners that have fallen behind on their mortgage payments, also make the decision to stop paying their homeowners’ association dues. If a homeowner is trying to save their home, non payment of association dues is perhaps one of the worst decisions they can […]

What Homeowners Need to Know About Florida’s New Speedy Foreclosure Law

After a two year effort, Florida legislators approved a new foreclosure law that significantly affects the rights of homeowners struggling to pay their mortgages

How to Wipe Out Second Mortgages, Avoid Foreclosure and Stay in Your Home

By Omar J. Arcia, Esq.Foreclosure Defense and Consumer Bankruptcy Protection Attorney Thousands of homeowners in our community are 20-50% upside-down on their home mortgages and are looking for a way out. Some are frustrated in their attempts to modify their home loans, and others simply choose to give up their home because they don’t know […]

Bankruptcy Law Changes Make it Easier to Wipe Out Second Mortgages and Lines of Credit Against Your Home

Until recently, the only way a homeowner could wipe out a second mortgage or line of credit on his/her home was through the use of a Chapter 13 bankruptcy petition and plan that may require monthly payments for as long as sixty (60) months.


There are countless homeowners accepting loan modifications in which their resulting payment is actually higher than their original mortgage payment

Mortgage Fraud in Florida

Foreclosure defense in Florida can be a scary process. Most people assume that once their house is in foreclosure that they will automatically lose their home at some point

Using a Chapter 13 Bankruptcy Plan To Keep Your Home and Investment Properties For Much Less Than You Owe

Most consumers are familiar with a simple Chapter 7 bankruptcy in which all of the debtor’s assets are liquidated and all unsecured debt (credit cards, medical debt, etc.) is wiped out.

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