Teodosia P.

Interest rate reduced from 4.625% adjustable to 4.375% fixed. Payment reduced by $96.26, Principal FORGIVEN $83,774.79


William Klein

The Arcia Law Firm obtained a Victory against the bank in this foreclosure case after a long legal battle, and attorney Arcia handled my case in “perfect” fashion. Client was notified in real time by email and even text messages as new documents were filed or received in his case. The Arcia Law Firm is “like family,” and “I realized that this is the place I needed be.”

Marie Rinchere

“I am a very satisfied client and I know that [attorney Omar Arcia] can help a lot of people.” Staff and attorneys handled case very efficiently, updated me constantly on what was happening, and obtained a dismissal of foreclosure action against my home. The attorney was very experienced in what he does, and secured an excellent result after more than 20 failed modification attempts. I have recommended the Arcia Law Firm and will continue to recommend to friends and family.

How to Avoid the Next Flood of Foreclosures

Millions of Americans will soon see monthly bills shoot up on their home equity lines of credit (HELOC) taken out during the housing boom from 2005-2008, because they will convert from interest-only (no principal) to principal and interest payments at the loan’s ten year mark.

Winning Defenses to Foreclosure Take Center Stage

In the quickly changing landscape of foreclosure cases in Florida, at least two new defenses are being accepted by courts in favor of homeowners

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.

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 […]

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