If you have received a collection notice from Dyck O’Neal, you are not alone.  Thousands of borrowers are finding themselves in a bind upon receiving notice by Dyck O’Neal, that they now owe a deficiency balance to the creditor.  Who is Dyck O’Neal?  Dyck O’Neal is the leading nationwide purchaser, collector and servicer of real estate deficiencies for first and second mortgages, judgments and promissory notes.  The company Dyck O’Neal has purchased hundreds and thousands of bad notes, deficiency judgments and bad debt and has recently begun large collection efforts against borrowers.

A deficiency judgment is the balance that remains after a short sale or foreclosure auction when the mortgage is paid off.  Many borrowers hired attorneys during their foreclosures to negotiate consent judgments at or before their foreclosure trial.  A proper consent judgment should contain language that the bank waives the right to collect the deficiency.  If it does, then Dyck O’Neal is acting improperly to collect the debt.

Moreover, if the final judgment does contain language of the deficiency, then an assignment of the judgment to Dyck O’Neal must exist and the borrower or defendant must, by law, be made aware of that assignment.  If that has not taken place, then the Dyck O’Neal collection is also improper.

Moreover, many Dyck O’Neal suits are protected under HR 87 and have one year to pursue any lawsuit.

These are just some of the many ways to avoid a Dyck O’Neal collection or lawsuit.

If you have received  a collection notice or collection letter from Dyck O’Neal, contact us today. By running your case docket and investigating the language of the final judgment, we can ascertain whether the debt is collectible and valid.

At the Law Offices of Jacqueline A. Salcines PA we have a great success rate with these Dyck O’Neal suits, and over 18 years experience negotiating debt settlements for our clients, including  violations of the Fair Debt Collection Practices Act.

You do not have to file for bankruptcy in order to get out of this Dyck O’Neal debt.

Allow us to go to work for you and negotiate your debt.

We offer free phone consultations, and a no cost review of your case. 

Call us today.   305.669.5280 and see how we can help you.

About the Author:

Jacqueline A. Salcines, Esq is the Owner and Managing Partner of the Law Offices of Jacqueline A. Salcines, P.A. Real Estate and Business Law Group. With over 18 years experience including holding a dual degree in Accounting, her broad knowledge of DEBT SETTLEMENT serves to aggressively protect and defend our firm’s clients.

Call us today to set up a  free consultation to discuss your specific needs. We are here for you!

Main office 305 | 669 | 5280. Or email the attorney directly:


Jacqueline A. Salcines

Jacqueline A. Salcines

TEL. 305 669 5280



With the South Florida market experiencing a boom in sales and values, there is more great news to assist qualified buyers with their real estate purchases.  Starting January 2018, FHFA has increased the conforming loan limits for Fannie Mae and Freddie Mac conventional loans.  This means that the limits to purchase, prior to  the mortgage being considered a jumbo loan, are higher.

Starting on January 1, 2018, the loan limits for conventional loans has increased from $424,100 to $453,100.

With house prices on the rise, this is great news for buyers looking to finance their purchases.

Real Estate Buyers now have more purchase power under conventional funding.  And current or prior qualified jumbo pre-approved buyers and borrowers may qualify for traditional financing now, possibly at a lower interest rate and a lower down payment.  This equates in more opportunities to close on those real estate deals for realtors and sellers alike.

Don’t go it alone.  Always hire the services of a qualified real estate attorney owned title company to assist you in your real estate purchase and to help navigate all the confusing mortgage terms and conditions.

Whether you are buying real estate and require a mortgage or buying cash, before you sign the contract, reach out to us. We are here to help.  We offer a free legal consultation regarding your real estate contract, purchase or sale.

With over 18 years experience practicing real estate law, and holding dual licenses of both lawyer, realtor and accountant,  allow attorney Jacqueline A. Salcines to guide you.

We are a full service title company and handle closings from beginning to end.

Practice Areas

Real Estate Closings
Title Insurance
Lien Searches
Inspection report review and negotiations
Contract Law and review of Real Estate Contracts
Escrow law
Real Estate Litigation
Contact the Law Offices of Jacqueline A. Salcines, PA today at (305) 669-5280 to schedule your legal consultation.
The Law Offices of Jacqueline Salcines offers cost effective services designed to meet your individual needs and requirements. For strong legal representation, call us at (305) 669-5280 today! Attorney Jacqueline Salcines  has been handling all types of real estate transactions for over 17 years.

Main office 305 | 669 | 5280. Or email the attorney directly:


Jacqueline A. Salcines

Jacqueline A. Salcines

Jacqueline A. SalcinesJACQUELINE A. SALCINES, ESQ.
TEL. 305 669 5280