Friday, March 20, 2009

Should I File For Bankruptcy - Mobile, Pensacola & Ft. Walton Beach Bankruptcy Lawyer Explains Chapter 7 Bankruptcy

www.ShouldIFileForBankruptcy.com


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.

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Sunday, March 15, 2009

Help Get Senate Bill 61 Passed - Call Your U.S. Senator Today

This foreclosure solution costs taxpayers NOTHING.

Over 6,600 American families a day are losing their homes to foreclosure.
In the next five years, over 8,000,000 American family homes
will be lost to foreclosure, unless we do something now.
If we don’t, the value of all of our homes will keep going down and our neighborhoods will suffer.

DON’T LET THE BANKS BLOCK
THIS NO-COST ACTION TO
SAVE FAMILY HOMES AND OUR COMMUNITIES
AND HELP RESTORE OUR NATION’S ECONOMY

Our Senators have the opportunity to pass legislation that would allow courts
to change bad mortgages so struggling homeowners can save their homes from foreclosure. The result? Fewer foreclosures and more stable home prices for all of us.

Tell your Senators to support Senate Bill 61 - the
Helping Families Save Their Homes in Bankruptcy Act of 2009
Reduce home foreclosures at no cost to taxpayers.

Call your United States Senators toll free: 877.354.4958
Or email them at: www.nacba.org/TellCongress

The mortgage modification proposal has been endorsed by leading economists, 22 state Attorneys General, state and local elected officials, newspaper editorial boards from around the country and nearly 100 leading national organizations representing seniors, consumers, religious affiliations, financial professionals, working families, and civil rights and housing groups.

Paid for by the National Association of Consumer Bankruptcy Attorneys, Inc., a nationwide organization dedicated to protecting the rights of honest, hard-working, financially distressed Americans. Go to www.nacba.org/S61 for more information about the bill and how you can help get it passed.

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.
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Sunday, March 8, 2009

Should you file for bankruptcy? Pensacola, Gulf Breeze, Milton, Navarre, Fort Walton Beach, Pace


SHOULD YOU FILE FOR BANKRUPTCY? ANSWER OUR 15 QUESTION TEST TO SEE IF BANKRUPTCY MAY HELP YOUR SITUATION - CLICK HERE





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.

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Saturday, March 7, 2009

New Fort Walton Beach, Florida Office location


The Law Office of Erich M. Niederlehner, PA, is proud to announce the opening of its new office in Fort Walton Beach, Florida. The location of the new office is 16 Ferry Road, S.E., Fort Walton Beach, Florida 32548. The new office is on the corner of Ferry Road, S.E. and Fourth Ave. The office is in the Appraisal House, which is directly behind Embarq telephone company off of Hollywood. Please call 850-607-2222 24 hours a day to setup a free consultation regarding Bankruptcy in either of our two current offices. Stay tuned for more locations which will be opening soon.

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|

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Monday, March 2, 2009

New Blog Web Address and Updated Website

It has been a while since my last posting on the Got Debt? Blog. I have been so swamped with clients I have not had the chance to make any recent postings. I do intend to start posting information on a more regularly. I would like everyone to note the blog has a new address. Instead of www.GotDebtPensacola.blogspot.com the new address is www.GotDebtBlog.com. This new address is shorter and easier to remember.

Also, the website www.GotDebtPensacola.com has been updated with plenty of new information on Bankruptcy, Divorce and Estate Planning. So check it out if you are wanting more information on any of the subjects. As always the Pensacola Bankruptcy, Divorce and Estate Planning attorney Erich M. Niederlehner, provides legal services to the citizens of Pensacola and the surrounding areas of Florida. To schedule a free consultation to discuss your legal issues with Erich M. Niederlehner, please call 850-607-2222. The Law Office of Erich M. Niederlehner, PA, is located at 113 North Palafox Street, Pensacola, Florida 32502. Call us today for a free consultation.

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|

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Saturday, October 18, 2008

Redesigned Website for the Law Office of Erich M. Niederlehner, PA


The Law Office of Erich M. Niederlehner, PA has a new and improved website to help provide more information about filing bankruptcy and the bankruptcy process in general. Be sure to check out our new website at www.GotDebtPensacola.com, www.PensacolaBankruptcyAttorney.com, www.PensacolaBankruptcyLawyer.com or www.ErichNiederlehner.com

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|

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Wednesday, October 1, 2008

Credit Card Market - The Next Bailout?


Is the credit card market the next industry to receive a bail-out from taxpayers? According to Innovest StrategicValue Advisors, banks will charge off $18.6 billion in delinquent credit-card accounts in the first quarter of 2009 and $96 billion in all of 2009, more than double the research firm's forecast for all of this year.

Charge-offs reached $4.2 billion in the first quarter of this year and $3.2 billion in the same period a year before, according to the Federal Reserve, which only reports non-securitized debt. Innovest's projections include all credit-card debt, which the firm believes is double what the Federal Reserve reports. For all of 2007, charge-offs tallied $26.6 billion, according to Innovest's calculations, and the firm estimates they will reach $41.5 billion at the end of this year.

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.
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Thursday, September 25, 2008

Wall Street Bailout Bill Needs to Help the Little Guy!


Looks like the economy is bad shape to say the least. The President, Presidential-Hopefuls and members of Congress all pay lip service to this $700 billion Wall Street bailout, helping the little guy. However, this bailout as it currently stands does nothing to help the homeowner with a loan in or facing foreclosure. People in this situation can not refinance their mortgage and the housing market is so depressed and devalued the stressed and over extended homeowner can not sell their home. What is needed is the ability of the Bankruptcy Courts to restructure primary residential loans in a Chapter 13 Bankruptcy. The Court needs the ability to rewrite the terms of these bad and unaffordable loans. The ability of the Courts to restructure the loans will greatly increase the likelihood of repayment. Court supervised restructuring of primary residential home loans is the only way to truly help the little guy in this bailout. The ability for the Bankruptcy Courts to rewrite primary residential mortgages will not only help the little guy, but also Wall Street and soon all tax payers when the government buys all these loans. How, you may ask? With more people repaying their loans instead of turning in the keys fewer homes will be foreclosed. Thus, with a lower number of homes on the market for sale hopefully the property values will begin to trend upward.

I am a member of the National Association of Consumer Bankruptcy Attorneys, below are key points they are trying to stress to law makers who are today considering this Wall Street bailout. Why should a Wall Street CEO be able to restructure their vacation home’s mortgage in Bankruptcy, but the guy on Main Street is not able to restructure the loan on his primary residence. This is against public policy and makes no sense to many Americans facing the loss of their home. Without the ability of the courts to restructure these bad loans more and more families are truly going to be on Main or some other street. Please call, fax or email your members of the House and Senate and urge them to support a court-supervised mortgage restructuring amendment in the Wall Street bailout bill.

* The rapid deterioration of the financial sector has been fueled by the steep rise in delinquencies and foreclosures of risky mortgages.

* These mortgages have been sliced up and sold in complex financial instruments that now sit as "toxic assets? on the balance sheets of our largest banks.

* Every financial expert, including Treasury Secretary Paulson and Federal Reserve Chairman Bernanke, agree that we will not stabilize our financial markets until we stabilize the housing markets.

* The housing market will not stabilize absent a solution to the tide of foreclosures.

* Simply giving a government entity the authority to purchase the "toxic assets? of troubled financial institutions will not result in fewer foreclosures. This is complicated, but the basic problem is that the government will not be buying mortgages ...those mortgages have been carved up and sold to investors all over the world. The government essentially would have to put all the pieces back together to modify the loan, which just is unrealistic.

* Court-supervised mortgage modification in Chapter 13 bankruptcy is perhaps the most effective tool for ending the foreclosure crisis.

* Court -supervised mortgage modification will not cost the U.S. taxpayer one penny, but will keep families on Main Street in their homes. It deserves your support in the taxpayer funded bailout of Wall Street.

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.
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Friday, September 5, 2008

Bankruptcy Attorneys Allowed to Advise Clients to Aquire New Debt Prior to Filing Bankruptcy


Reuters reported today that the U.S. Court of Appeals for the Eighth Circuit in St. Louis declared unconstitutional a section of the U.S. bankruptcy code that prohibits attorneys from advising their clients on taking on more debt prior to filing bankruptcy. The 2005 Bankruptcy Reform, made it illegal for a bankruptcy attorney to advise a client to refinance their home or buy a new vehicle prior to filing bankruptcy. Sometimes taking on more debt is a good thing, but prior to this ruling a bankruptcy attorney could not fully inform an individual seeking guidance and advice on filing bankruptcy.

http://www.reuters.com/article/marketsNews/idUSN0547717420080905

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.
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Thursday, August 21, 2008

Florida Foreclosures Increasing

The Florida Bar News reported in their August 15, 2008 edition that foreclosures in Florida are increasing at a alarming rate to say the least. "According to the Office of the State Courts Administrator, real property/mortgage foreclosure filings in Florida court have risen from 59,907 in Fiscal year 2004-'05 to 274,084 in 2007-'08." That is a 358% increase over the past three years.

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.
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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
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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

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.
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