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Monthly Archive for: ‘July, 2017’

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The Importance of Verification

  The Florida courts have previously passed legislation and changed the very rules of Florida Civil Procedure to order a surplus prerequisite prior to a bank filing a foreclosure deed. Florida Rules of Civil Procedure 1.110 requires the banks or their servicer to authenticate the statistics suspected in their criticism. More specifically, the statute states: "Under penalties of perjury, I declare that I have read the foregoing, and the facts alleged therein are true and correct to the best of my knowledge and belief". Some courts have found that confirming the complaint after the depiction of this law is considered a circumstance pattern to filing a foreclosure action and that if...
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What Not to Do When You Miss Mortgage Payments

It can all happen so quickly. Maybe you suddenly lost your job or have to deal with an unexpected illness in the family, or maybe you are facing a divorce or have gotten in over your head with credit card bills. These are all very common reasons why homeowners can get behind on their mortgage payments. If you do find yourself in a situation where you are missing more than one mortgage payment, the one thing that you don’t want to do is ignore the phone calls and letters from your lender. You should take this matter very seriously and work to resolve the problem as quickly as possible. Make sure to keep track of all correspondence you receive for later reference. It is also important...
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Is Your Foreclosure Allowed?

There once was a time that when you borrowed money for a mortgage from a bank, you made your mortgage payment to that bank. Eventually, the banks decided it was a great idea to package and sell off your mortgage to other banks, or to loan servicers. So although you may have borrowed money from your local bank, a new company may have stepped in and directed you to start making your mortgage payment to them. Although it is not entirely illegal, when your mortgage is passed around from one entity to another, the paperwork behind all of those transactions could be a little chaotic, making your mortgage a hazard. It’s when the paperwork gets sloppy that short cuts are taken. However, just...
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Tips To A Clean Credit Report

  One of the greatest impacts on your life is your credit card score. Everything from purchasing a home to even getting a rental car can depend on the state of your credit report. For that reason, it is vital for everyone to review their credit statement at least one time a year so that you can clean up any incorrect or outdated information. Tidying up your credit report doesn’t have to be a challenging procedure. The three major credit bureaus, Equifax, TransUnion, and Experian, allow everyone to access his or her complete report every 12 months. Thoroughly look through each notation cautiously after receiving your credit report. Most credit reports contain inaccurate...