Tuesday, July 15, 2008
Florida Bar Mortgage Foreclosure Hotline
Erich M. Niederlehner, local Pensacola Bankruptcy attorney, appeared on ABC's WEAR Channel 3 Pensacola, on July 11, 2008 to discuss and comment on the Florida Bar's FLASH Hotline which was created to help Floridians facing foreclosure get their mortgages reinstated with their lenders. Florida is second in the nation in foreclosures with approximately 77,000 so far this year. What can you do if you are a few payments behind on your mortgage? First contact your lender. Do not sit around hoping it will go away. Contact your lender and explain your situation. Ask for your missed payments to be put at the rear of your loan and be loan be brought current. Ask if they will accept a little extra each month in order to bring your loan current. See if there are other option available. If you do not ask you will not receive. If you are unable to work out something with your mortgage holder and they do end up foreclosing on you, take action. See an attorney about defending your foreclosure. Make sure the mortgage company is not taking advantage of you by tacking on junk fees, make sure the company suing you actually can prove they own the mortgage and are entitled to relief, fight back and defend the mortgage foreclosure. By defending the mortgage foreclosure you may be able to buy yourself more time to bring you mortgage current. Lastly, you may be able to file Bankruptcy to end the foreclosure and bring your mortgage current. A Chapter 13 is a repayment plan that will allow you to pay your mortgage plus any money left over after subtracting your necessary monthly expenses from your net monthly income and using that money to bring you current on your mortgage during the course of the Chapter 13 repayment plan.
Below is video from my appearance on WEAR Channel 3 News:
Bankruptcy Attorney Erich M. Niederlehner, of Mobile, Alabama, Pensacola Florida & Fort Walton Beach, Florida provides qualitiy legal Bankruptcy services to the citizens of Escambia County Florida, Santa Rosa County Florida, Okaloosa County Florida, Walton County Florida, Mobile County Alabama, Baldwin County Alabama which includes but is not limited to the following cities:
Pensacola|Gulf Breeze|Milton|Pace|Midway|Pensacola Beach|Navarre|Navarre Beach|Jay|Century|Central|Cantonment|Crestview|Fort Walton|Destin|Niceville|Fort Walton Beach|Freeport|Mobile|Spanish Fort|Fairhope|Foley|Daphane|Silverhill|Grand Pointe|Gulf Shores|Orange Beach|Loxley|Elberta|
113 N. Palafox Street, Pensacola, Florida 32502 - Main Office
16 Ferry Road, S.E., Fort Walton Beach, Florida 32548 | 401 Church Street, Mobile, Alabama 36602
Toll Free: 877-607-2228
Pensacola: 850-607-2222
Alabama and Florida Bankruptcy Attorneys offer Affordable Bankruptcy, Debt Relief & Debt Consolidation in Alabama and Florida. Bankruptcy Attorneys provide Low Cost Bankruptcy & Discount Rates on Bankruptcy Attorney Fees serving Mobile, Alabama, Pensacola Florida & Fort Walton Beach, Florida.
Alabama and Florida Bankruptcy Lawyer – Attorney Erich M. Niederlehner Chapter 7 &13, Affordable Debt Relief & Bill Consolidation in Alabama and Florida.
www.GotDebtMobile.com|www.GotDebtPensacola.com|www.GotDebtFortWalton.com|www.GotDebtAlabama.com|
www.GotDebtFlorida.com|www.GotDebtUSA.com|www.ShouldIFileForBankruptcy.com|
www.PensacolaBankruptcyAttorney.com|www.PensacolaBankruptcyLawyer.com|
www.BankruptcyNetworkBlog.com|www.GotDebtBlog.com
Friday, July 11, 2008
501.1377 Update - Attorney General Exempts Attorneys from 501.1377
The Attorney General has come through for Florida Homeowners wanting to defend against a residential foreclosure action, and has exempted attorneys who provide legal representation to homeowners facing foreclosure by declaring attorneys are not foreclosure rescue consultants, as defined in 501.1377. The action taken by the Attorney General's Office should provide the needed fix until the next legislative session where 501.1377 can be amended. Below is the Attorney General's Office statement released on July 10, 2008 - Pursuant to the Attorney General's authority under Section 501.1377(2)(b)2, Florida Statutes (2008) -- created by HB 643 -- General McCollum has approved for exclusion from the definition in that provision of a foreclosure rescue consultant, "a person licensed to practice law in this state, when such person provides legal representation to a client with respect to a foreclosure."
Bankruptcy Attorney Erich M. Niederlehner, of Mobile, Alabama, Pensacola Florida & Fort Walton Beach, Florida provides qualitiy legal Bankruptcy services to the citizens of Escambia County Florida, Santa Rosa County Florida, Okaloosa County Florida, Walton County Florida, Mobile County Alabama, Baldwin County Alabama which includes but is not limited to the following cities:
Pensacola|Gulf Breeze|Milton|Pace|Midway|Pensacola Beach|Navarre|Navarre Beach|Jay|Century|Central|Cantonment|Crestview|Fort Walton|Destin|Niceville|Fort Walton Beach|Freeport|Mobile|Spanish Fort|Fairhope|Foley|Daphane|Silverhill|Grand Pointe|Gulf Shores|Orange Beach|Loxley|Elberta|
113 N. Palafox Street, Pensacola, Florida 32502 - Main Office
16 Ferry Road, S.E., Fort Walton Beach, Florida 32548 | 401 Church Street, Mobile, Alabama 36602
16 Ferry Road, S.E., Fort Walton Beach, Florida 32548 | 401 Church Street, Mobile, Alabama 36602
Toll Free: 877-607-2228
Pensacola: 850-607-2222
Alabama and Florida Bankruptcy Attorneys offer Affordable Bankruptcy, Debt Relief & Debt Consolidation in Alabama and Florida. Bankruptcy Attorneys provide Low Cost Bankruptcy & Discount Rates on Bankruptcy Attorney Fees serving Mobile, Alabama, Pensacola Florida & Fort Walton Beach, Florida.
Alabama and Florida Bankruptcy Lawyer – Attorney Erich M. Niederlehner Chapter 7 &13, Affordable Debt Relief & Bill Consolidation in Alabama and Florida.
Alabama and Florida Bankruptcy Lawyer – Attorney Erich M. Niederlehner Chapter 7 &13, Affordable Debt Relief & Bill Consolidation in Alabama and Florida.
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