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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.   305.564.9255 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.   305.564.9255 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 DEBT SETTLEMENT LAWYERS

DYCK O’NEAL LAWSUITS FOR FORECLOSURE MORTGAGE DEFICIENCY BALANCES

DEBT SETTLEMENT ATTORNEYS

Dyck O’Neal continues on the prowl for South Florida debtors.  Not only is a privately owned debt collection company filing foreclosure and short deficiency lawsuits in Florida, but now they are actively transferring judgments from out of state foreclosures, to Florida.  Dyck O’Neal,  a company who was  approached by Fannie Mae years ago, bought up thousands of stale foreclosure judgments in Florida and across the country,  and filed suits at the 11th hour, when the statute of limitations was about to run out.

But debtors should know that even if you receive collection letters from Dyck O’Neal or are sued for the balances on debt they purchased, these suits can be defended and can be won.  Numerous defenses exist including the statute of limitations as well as practices under the Fair Debt Collections Act. If unlawful, some of these suits or collections can be extinguished all together.  If valid, they can be settled for pennies on the dollar.   But you must act timely. If you are served with a lawsuit by Dyck O’Neal,  you will have twenty (20) days to respond.  That means, 20 days to hire a lawyer to review your complaint and file a Motion representing you.

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.   305.564.9255 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

Clients and potential clients inundated my office with lawsuits and collection letters from Dyck O’Neal.  When I take calls from potential clients they always ask is this letter from Dyck O’Neal legitimate?  Is this a legitimate lawsuit?  A legitimate collection letter?  While not ALL lawsuits and collection efforts from Dyck O’Neal are collectible, Dyck O’Neal is a legitimate company and when they sue, the debt is real.

Dyck O’Neal acquired many loans and deficiency judgments all over Florida and the nation and are now scrambling to collect on them, particularly since Florida has a statute of limitations on deficiency judgment and how long they can be collected.

At the Law Offices of Jacqueline A. Salcines PA we start by investigating the debt, the statute of limitations, Florida law, and the collection practices of the creditor to see if there are any violations of the Fair Debt Collection Practices Act.

Once all this is examined closely by attorney Jacqueline A. Salcines, Esq., many suits will either go away or be dismissed.  Others will remain collectable and in those cases, we can defend you in court in order to obtain the most favorable settlement for you.  Often, this settlement is for pennies on the dollar, since Dyck O’Neal purchases the debt at a discount.

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

Plus, once you hire an attorney, there are countless ways to get creditors to leave you alone. Merely by hiring us, debt collectors and collection agencies are no longer legally able to contact you.

At the Law Offices of Jacqueline A. Salcines, P.A., we have been assisting borrowers with their debt settlement solutions  for over 18 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.   305.564.9255 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

DYCK O’ NEAL SUITS

SOUTH FLORIDA DEBT SETTLEMENT LAWYERS

DYCK O’NEAL LAWSUITS FOR FORECLOSURE MORTGAGE DEFICIENCY BALANCES

DEBT SETTLEMENT ATTORNEYS

Dyck O’Neal, a privately owned debt collection company,  approached Fannie Mae years ago, and bought up thousands of stale foreclosure judgments for cheap, since the statute of limitations was about to run out.  Now, Dyck O’Neal is filing hundreds of thousands of lawsuits in counties in which foreclosure occurred forcing borrowers to pay insurmountable amounts on properties they already lost in foreclosure or short sale.

Even if the foreclosure or mortgage debt has dropped off your credit report, that is not a guarantee that it was written off or discharged. Many banks wrote off these loans as uncollectable and then sold to Dyck O’Neal.  Dyck O’Neal then sends collection notices to the borrower. If they are ignored, a lawsuit follows.

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.   305.564.9255 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

DYCK O’NEAL LAWSUITS FOR FORECLOSURE MORTGAGE DEFICIENCY BALANCES

DEBT SETTLEMENT ATTORNEYS

In the heels of the foreclosure crisis, when many properties were sold in foreclosure auction, leaving thousands of deficiencies, the banks thought it was too costly to pursue these balances in court.  So Dyck O’Neal approached Fannie Mae and bought up thousands of stale foreclosure judgments for cheap, since the statute of limitations was about to run out.  Dyck O’Neal is bringing these lawsuits in counties in which these foreclosure occurred forcing borrowers to pay insurmountable amounts on properties they already lost in foreclosure or short sale.

Even if the foreclosure or mortgage debt has dropped off your credit report, that is not a guarantee that it was written off or discharged. Many banks wrote off these loans as uncollectable and then sold to Dyck O’Neal.  Dyck O’Neal then sends collection notices to the borrower. If they are ignored, a lawsuit follows.

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.   305.564.9255 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

DYCK O’NEAL DEFICIENCY SUITS ON THE RISE

FLORIDA REAL ESTATE LAWYER AND REAL ESTATE LITIGATION LAW FIRM

The Florida Legislative Foreclosure Act, while helping the banks out more than the borrowers, did one positive thing.  It limited the time period when a bank can go after a borrower for the balance of the mortgage after the foreclosure.  This is called the deficiency.

Dyck O’Neal has filed thousands of lawsuits in Florida against the homeowners to collect these deficiencies after the foreclosure.  Many, though are past the one year mark and therefore easily dismissed.

Other lawsuits filed by Dyck O’Neal carry larger amounts then HR87 allows them to collect, which is the difference between the amount the property sold for and the fair market value at the time of the sale.

There are many defenses to these lawsuits brought by Dyck O’Neal for deficiency balances on the foreclosure.

At the Law Offices of Jacqueline Salcines, PA, attorney Jacqueline A. Salcines, Esq. is knowledgeable and has experience in defending these suits.  She has been protecting and defending homeowners and borrowers with their mortgage and real estate litigation needs for over 17 years.

Let our knowledge go to work for you in defending these suits.

In fact, class actions have already been filed alleging these suits are unlawful as against the Fair Debt Collection Practices Act.  Don’t be victim.

Let us protect your rights.

At the Law Offices of Jacqueline A. Salcines, PA, the attorney holds a dual degree in Law and Accounting, is a  realtor and has hosted many seminars and lectures on real estate and real estate law. Allow our experience to go to work for you

Call us today.   305.564.9255 Or visit us as  http://WWW.SALCINESLAW.COM

See why our business is built on referrals and for over 17 years, clients keep coming back and referring their family and friends. 


 

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 ATTORNEYS

PROTECTING YOUR INTERESTS WITH DYCK O’NEAL

Recent months have experienced an avalanche of Dyck O’Neal suits.  Whether for deficiency balances after short sales or foreclosure auctions, or whether collecting on a foreclosure judgment, borrowers are worried when receiving these lawsuits.  What you need to know is that as a borrower, YOU  have rights.  On July 1, 2013, the Florida legislature passed the Fair Foreclosure Act  (HR87) which limited the time period for which the judgment creditor could sue from 5 years to 1 year.

For judgments entered prior to the enactment of the new law, the deadline for filing a deficiency suit was July 1, 2014.

If you are receiving letters, calls or have been served with a lawsuit by Dyck O’Neal, call us immediately.  The faster you act, the easier it is to assist you.  At the Law Offices of Jacqueline A. Salcines, PA, we are here to defend and protect your rights!

Jacqueline A. Salcines, Esq., the firm’s lead attorney brings extensive knowledge and expertise with these deficiency collection matters and lawsuits, particularly with Dyck O’Neal, as well as in the field of negotiating and settling debt for pennies on the dollar.   We employ market knowledge, extensive litigation experience,  contract and statutory knowledge, and take proactive and calculated measures to protect our clients. Our knowhow in debt settlement and oral and written contracts as well as negotiating them when they don’t go as planned, is what sets us apart.

With prompt intervention to resolve disputes amicably, without the need to litigate,  we are here to get debt settled, without the necessity of filing for bankruptcy.

With more than 16 years experience,  attorney Jacqueline Salcines has been practicing law with the need of her clients first.  Upon calling the firm you get the feel of how the client is our first priority.  We are here to help you with your purchase or sale and do so with hands-on legal experience.

Jacqueline Salcines, Esq. has been an accountant for over 20 years and an attorney for over 15  years.  She brings her knowledge and experience to every real estate transaction.  Let us go to work 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

DIRECT EMAIL: J.SALCINES