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SOUTH FLORIDA DEBT SETTLEMENT LAWYERS
FORECLOSURE DEFENSE  ATTORNEYS

If you live in Florida, or any of the States affected by Hurricane Irma, and  requested a forbearance back in September, you may have noticed that many banks did not honor their deals.  Many banks verbally confirmed with borrowers that they could delay payment of their mortgage payments, some for six months, and that there would be no interest or late fees charged.  However, when many borrowers receive a mortgage statement six months later, asking for the full amounts due, plus late fees and interest, many borrowers find themselves in a predicament, unable to make the payments.

Instead of assisting borrowers and homeowners with their mortgages after a natural disaster, many lenders are quickly filing foreclosures, and not honoring defaulted loan modifications under the Making Home Affordable Program.  Lenders such as Carrington Mortgage and PNC are two of them.

If you have received a default notice or your bank has not honored the terms of the mortgage forbearance, there is hope.

At the Law Offices of Jacqueline A. Salcines PA we have a great success rate negotiating the past due mortgages and forbearances with lenders.  Attorney Jacqueline Salcines has 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.

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

TRUST | COMMITMENT | RESULTS

Foreclosure After Forbearance – Hurricane Defaults

Law Offices of Jacqueline A. Salcines, P.A.
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 HouseFlorida homeowners facing foreclosures may be able to obtain a 90 day reprieve or stalling on their case due to Hurricane Irma. Florida and Puerto Rico residents in disaster designated areas can obtain what is called or referred to as a “moratorium” on their foreclosure and forbearance on foreclosure proceedings.  However, the 90 day moratorium does not apply to ALL loans or ALL counties.  Certain restrictions for the government assistance apply for example, to FHA insured home mortgages.

Moreover, the county must be designated as eligible  As of the writing of this article, the following counties were eligible: Alachua, Baker, Bradford, Brevard, Broward, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Duval, Flagler, Gilchrist, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Levy, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Union, Volusia.

If you have a pending foreclosure, foreclosure sale or foreclosure trial, you may be eligible to hire us to file a Motion to have the moratorium stop your case for the 90 days in order for you to recover.

Call us today.

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