ABOGADOS DE INMOBILIARIO

Si Usted esta comprando or vendiendo propiedad en la Florida, lo mas importante antes de firmar el contrato, es contratar los servicios de un abogado de bienes raices.  El abogado maneja toda la compra o venta, incluyendo todo los servicios de titulo y el cierre.

Si necesita incorporar, o buscar la manera como estranjero de evitar los impuestos de FIRPTA al vender, llamenos.

Con mas de 20 anos de experiencia, el bufete de abogados de Jacqueline A. Salcines, PA esta aqui para asistirlos.

Llamenos hoy. La consulta es gratis. (305) 669-5280

La abogada Jacqueline A. Salcines, Esq. es abogado mas de 20 anos y contadora. Tiene conocimiento con todo aspectos de inmobiliaria y compra venta, incluyendo hipotecas y coporaciones.

Main office 305 | 669 | 5280. Or email the attorney directly: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com

SOUTH FLORIDA REAL ESTATE LAWYER

TITLE SERVICES – TITLE COMPANY

How often do you hear the word “FREE” and the word “Lawyer” in the same sentence?  Well, at the Law Offices of Jacqueline A. Salcines, PA, we have been offering free legal advice to our clients for years.  Whether you are a buyer of real estate that is looking to purchase real estate and require a contract or offer review.  Or a seller that is looking to sell real estate entering into a Listing Agreement or As Is Contract for Sale and Purchase, we are happy to review your contract at no cost.

For over 20 years we have been assisting our clients with their real estate needs and look forward to assisting you with yours.

While no two real estate transactions are ever alike, no matter whether you are on the seller side or the buyer side, do not go it alone.  Call today for a free consultation in any of the following practice areas:

Practice Areas

  • Contract review and preparation
  • Real Estate Closings
  • Title Insurance
  • Contract Law
  • Landlord Tenant Law
  • Business law and incorporation
  • Real Estate Litigation
  • Debt Settlements
  • Partition Actions
  • Probate matters
  • Estate planning

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 matters for 20 years.

 Main office 305 | 669 | 5280. Or email the attorney directly: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com

DYCK O’ NEAL SUITS

SOUTH FLORIDA DEBT SETTLEMENT LAWYERS

DYCK O’NEAL LAWSUITS FOR SHORT SALE PROMISSORY NOTES

DEBT SETTLEMENT ATTORNEYS

Dyck O’Neal, a privately owned debt collection company,  continues to purchase promissory notes and deficiency debt that was created from short sales and borrowers who lost their homes in foreclosures.  Continuing to pry on these poor borrowers who often times lost their homes due to hardship, death, loss of employment or income, Dyck O’Neal and the attorneys who represent them are filing suits all over Florida to collect on this debt.

Whether you signed a promissory note at a short sale closing in order to wipe out the balance of the debt, or left a deficiency balance after a short sale or foreclosure auction, your debt could not be owned by Dyck O’Neal.

Luckily, Florida has laws in place to protect borrowers from these Dyck O’Neal collection suits.  Including but not limited the Fair Debt Collections Practices Act, the statutes of limitations, contract law, and other laws, many borrowers may not know that there is always hope.

That’s where the Law Offices of Jacqueline Salcines, PA comes in. We have fought these Dyck O’Neal suits and settled them for pennies on the dollar. Often, the homeowner is protected under the Foreclosure Act, and Dyck O’Neal must walk away. Other times, they settle for pennies on the dollar.

It helps to have an attorney who is familiar with Dyck O’Neal suits, and how to litigate and fight them.  At the Law Offices of Jacqueline A. Salcines, P.A., we have been assisting borrowers with their deficiency lawsuits and their debt settlement for over 17 years.   You have the right to settle your debt for potions of what you owe.  We are here to help and protect your rights.

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 17 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: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com

SOUTH FLORIDA DEBT SETTLEMENT LAWYERS

DEBT SETTLEMENT ATTORNEYS

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: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com

SOUTH FLORIDA REAL ESTATE MORTGAGE LAWYERS

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: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

Jacqueline A. SalcinesJACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

SOUTH FLORIDA LITIGATION LAWYERS

FLORIDA WORTHLESS CHECK STATUTE §832.05

Florida law (Fla. Stat. §832.05)  makes it not only a civil offense to write a bad check, or issue a check that the remitter knows has no funds and will not clear, but also makes it a misdemeanor or felony in the State of Florida, depending on the face amount of the worthless check.

Definition of Worthless Check

Under Section 832.05(2)(a), Florida Statutes, it is a criminal offense for any person, firm, or corporation to obtain any services, goods, or other things of value by means of a check, draft, or other written order knowing at the time of the issuance of such check that there are insufficient funds on deposit to cover the transaction.

Although most prosecutions under the statute are directed at “bounced” or “bad” checks, the statute applies to a variety of orders to pay money and “commercial paper,” and to a variety of types of drawees and transactions. It even applies to debit cards.

In general, the term ‘check’ means a draft, other than a documentary draft, payable on demand and drawn on a bank or a cashier’s check or teller’s check. An instrument may be a check even though it is described by another term, such as ‘money order.’ Fla. Stat. § 673.1041(6).

Criminal Aspect of the Worthless Check:

Any person who issues what is coined a “worthless check” in Florida, may be prosecuted criminally under Chapter 832 of the Florida Statutes. A person is presumed to have the intent to defraud or knowledge of insufficient funds in the drawee bank unless he or she, or someone for him or her, have paid the holder of the worthless check the face amount of the check, together with a service charge not to exceed the service fees authorized under Section  832.08(5) of the Florida Statutes or an amount of up to 5 percent of the face amount of the check, whichever is greater, within 15 days (30 days for civil actions) after receiving written notice that such check has not been paid to the holder thereof, and bank fees incurred by the holder. Fla. Stat. § 832.07

This penalty does not apply to any check when the payee or holder knows or has been expressly notified prior to the drawing or uttering of the check, or

Civil Court is different.  Once can sue for three times the amount of the check, called “treble damages”.  See

Fla. Stat. §68.065 (for civil actions to collect worthless checks, drafts, or orders of payment) allows for recovery of treble damages, service charges, attorneys’ fees, and costs if its provisions are not followed. Before litigation is initiated, the form of notice set forth in Fla. Stat. §68.065 must be delivered by certified or registered mail, or by first-class mail, evidenced by an affidavit of service of mail, to the maker or drawer of the check, draft, or order of payment. If notice is properly provided, the maker or drawer will be liable to the payee for, in addition to the amount owing on the check, damages of triple the amount owing, a statutory service charge based on the check amount, reasonable attorneys’ fees, and court costs. If the notice is sent via certified mail and the recipient refuses to claim the notice or sign the postal receipt, the statutory notice requirement is satisfied.

The Required Notice

In order to file a civil action the remitter of the check must first be notified by certified mail or registered mail.  The notice must contain certain language as follows:

“You are hereby notified that a check, numbered _____, in the face amount of $_____, issued by you on  (date) , drawn upon  (name of bank) , and payable to _____, has been dishonored. Pursuant to Florida law, you have 30 days from receipt of this notice to tender payment of the full amount of such check plus a service charge of $25, if the face value does not exceed $50, $30, if the face value exceeds $50 but does not exceed $300, $40, if the face value exceeds $300, or an amount of up to 5 percent of the face amount of the check, whichever is greater, the total amount due being $_____ and _____ cents. Unless this amount is paid in full within the time specified above, the holder of such check may turn over the dishonored check and all other available information relating to this incident to the state attorney for criminal prosecution. You may be additionally liable in a civil action for triple the amount of the check, but in no case less than $50, together with the amount of the check, a service charge, court costs, reasonable attorney fees, and incurred bank fees, as provided in s. 68.065 and/or s. 832.07.”

Secondary persons receiving a check from the original payee or a successor endorsee have the same rights that the original payee has against the maker of the instrument, provided such subsequent persons give notice in a substantially similar form to that provided above. . Fla. Stat. § 832.07.

Prosecution for a Worthless Check

In any prosecution or action on a worthless check, payment of the check by the debtor does not constitute a defense or ground for dismissal of the charges. Fla. Stat. § 832.05(5).  If the court determines that the failure to satisfy the dishonored check was due to economic hardship, however, the court has the discretion to waive all or part of the statutory damages.

In a criminal prosecution, the maker of the worthless check may be subject to a misdemeanor charge if the violation involves a misdemeanor and the check amount is less than $150.00, or a felony if the check is in excess of that amount. Fla. Stat. § 832.05(4)(c). Penalties may include up to 5 years in prison or a $1,000 fine for Felonies and up to $300 or six months in jail for Misdemeanors.

Please keep in mind there is a statute of limitations as well for processing a claim against the payor of a worthless check and bringing suit.

At the Law Offices of Jacqueline A. Salcines, P.A., we have extensive litigation experience and have been representing clients with bringing suits for worthless checks for over 18 years.    Before you decide to write the letter yourself, contact us.  We will get it right the first time and process your case in the most efficient manner possible.

We are here to help and protect your rights. Allow us to go to work for you! 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 and experience in litigation  including giving numerous pro bono seminars for Legal Aid and Put Something Back project,  attorney Salcines 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: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines, Esq.

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com

SOUTH FLORIDA MORTGAGE LAWYERS

FORECLOSURE AND MORTGAGE  SETTLEMENT IN FLORIDA

If your home or business suffered damage from Hurricane Irma, that affected both your income and ability to pay the mortgage, you are not alone. Thousands of homeowners and business owners across the state experienced the same loss to property and businesses due to Hurricane Irma. While many banks, creditors and agencies granted moratoriums on foreclosures, and agreed to waive late fees or even granted forbearances for 90 days, the time has run. Many homeowners are still not able to get back on their feet and have defaulted on their mortgage and mortgage balances.

If you are one of these homeowners that is now unable to catch up and pay your mortgage,  you need to act fast so that the mortgagee or creditor does not foreclose or file a suit. Late payments and past due default or debt can be negotiated and a suit avoided.  In order to have a successful negotiation and settlement you need a knowledgeable attorney on  your side.

In practice for over 18 years, many of these years have been spent defending foreclosures for client and  negotiating mortgage debt, and credit card debt for our clients.

Allow our extensive experience working with mortgage lenders and creditors to go to work for you.

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: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com

FLORIDA REAL ESTATE ATTORNEYS

Hands - Holding HouseLast week, HUD announced that it was granting $615.9 million dollars in grant funds to the State of Florida to help us recover from damages caused by Hurricane Irma floods.  This comes after a November grant of $5 billion for Texas hurricane damages.

The funds, almost $616 million, are to be spread out through the Florida Department of Economic Opportunity and is set to give hurricane assistance for housing damages by Irma, business losses, and damage to infrastructure.

If you experienced serious damage due to Hurricane Irma, to either your property or your business, then you may be eligible to receive the hurricane relief funds set up by HUD.

If you require assistance, call one of the many numbers set up by the State of Florida and HUD. Or call us.

 

Florida residents may also call their  recovery assistance representatives to see if they are eligible.  This information can be found by visiting  http://www.hud.gov and http://espanol.hud.gov.

Also, Florida has two HUD Field Offices:

Jacksonville Office
Charles E. Bennett Federal Building
400 W. Bay Street, Suite 1015
Jacksonville, FL 32202
Phone: (904) 232-2627
Fax: (904) 232-3759
Office Hours: 8:00 a.m. to 4:30 p.m. Monday through Friday

Miami Office
Brickell Plaza Federal Building
909 SE First Avenue,
Room 500
Miami, FL 33131-3028
Phone: (305)536-4456
Fax: (305) 536-5765
TTY: (305) 536-4743
Office Hours: 8:00 a.m. to 4:30 p.m. Monday through Friday

 

Call us today for a free no obligation consultation.

Law Offices of Jacqueline Salcines, PA

706 S. Dixie Highway

Second FL

Coral Gables, Florida 33146

Tel.  305  669  5280

Email: J.Salcines@Salcineslaw.com

SOUTH FLORIDA REAL ESTATE LAWYERS

It has become increasingly easier, with the use of the internet, and such websites as AVVO.COM and Justia, to locate an attorney who specializes in your area of need.  Whether you seek a real estate attorney, a litigation attorney, a landlord tenant lawyer, or any other type of lawyer, finding one is a click away. However, the internet should not the sole source for such referrals.  Visit the attorney’s website.  Ask around for referrals of friends and family who have had a good experience with a lawyer.  And read our reviews.  And of most important, the consultation with the attorney should be free of charge and should be face to face with the attorney, not support staff.

  • The hiring of an attorney usually comes at a time of need or extreme urgency.  Lets face it. We don’t have attorneys on our list of favorites and we aren’t calling them daily.  However, when you do need them, the attorney should be readily available and able to assist.
  • At the Law Offices of Jacqueline A. Salcines, P.A., we pride ourselves on providing excellent and timely customer service to our clients and potential clients.  Our firm handles all matters involving real estate, title services, escrow services, litigation, mortgage services and all real estate related issues including:
    • Real Estate Contract Preparation
    • Real Estate Contract Review
    • Escrow Services
    • Title Services
    • Landlord/Tenant law and evictions
    • Litigation
    • Attorney Jacqueline A. Salcines, founding partner and chief operating officer, has been practicing law since 1999, has her Juris Doctorate degree in Law from the University of Miami School of Law, her Accounting Degree from the University of Miami School of Business Administration,  and is also a licensed real estate broker.  With broad experience with both transactional and general civil litigation, her extensive knowledge in real estate and business has allowed us to assist clients for over 18 years in Miami Dade, Broward, Palm Beach and Monroe Counties.

Allow us to put our experience to work for you.

SOUTH FLORIDA MORTGAGE AND DEBT SETTLEMENT LAWYERS

MORTGAGE DEBT SETTLEMENT IN FLORIDA

A recent news article predicts a steep increase in line of credits and HELOC foreclosures this year based on the number of borrowers that took out lines of credits or second mortgages (HELOC) on their houses when property values increased over the last two years.  After Hurricane Irma and with stagnant property values in the past months, some borrowers were forced to default on their lines of credits.

If you are one of the many homeowners who have lines of credit or HELOC’s on their homes, in a second position after their first mortgage,  you may now be in a position to settle the debt.  With so many properties still under water, that is, the mortgage balance owed on the first mortgage is greater then the value of the property, many lenders who hold lines of credits are more than willing to settle the amounts owed on the mortgage with the borrowers.

In order to have a successful negotiation and settlement wherein the result is the complete forgiveness of the debt owed on the line of credit, it is crucial to following certain steps in order to have the mortgage lender agree to accept a short payoff.

After years of  negotiating these line of credit mortgages for our clients, we are well versed in first obtaining a CMA or Comparative Market Analysis, crafting a correct hardship letter and sending the lender the documents they required.

This settlement is not a loan modification nor does it require the production of mountains and mountains of financial documents to the lender.

There is no required Request for Mortgage Assistance (RMA) nor loan modification applications required either.

Rather, we start with a demand and proposal letter and provide the documents we know the lender will request.  And from there, the negotiation often is resolved within 30 days.  Our extensive experience working with mortgage lenders  and borrowers places us in a position to extensively negotiate for you. So that you end up paying only a small portion of the debt.

Allow us to go to work for you and negotiate your Home Equity Line of Credit 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: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com