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Category Archives: Foreclosure Defense

False Hope: Loan Modification And Dual-Tracking

By Charlip Law Group L.C. |

After the national mortgage crisis, several state and federal homeowner protection laws and regulatory rules were passed with the goal of prohibiting service providers from taking advantage of homeowners in trouble.  Some of these laws and rules prohibited mortgage providers from dual tracking, a process that would give homeowners a false sense of security… Read More »

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Property Owners May Be Required To Make Monthly Payments During Foreclosure

By Charlip Law Group L.C. |

Foreclosures do not always happen on people’s primary homes.  Sometimes, foreclosures are filed to reclaim rental or commercial properties on which the owner has fallen behind on payments.  For a property owner who is facing foreclosure on a rental property, the long wait times for a foreclosure to be finalized may seem like a… Read More »

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Foreclosure Following Bankruptcy

By Charlip Law Group L.C. |

Filing for bankruptcy can be a way for a struggling homeowner to get a fresh start.  Most of a filer’s debts are eliminated or at least made manageable following the close of a bankruptcy case.  However, in some cases, the person filing for bankruptcy can choose to hold on to some of the obligations,… Read More »

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The Power Of Junior Lien Holders In A Foreclosure Or Short Sale

By Charlip Law Group L.C. |

It is not uncommon for homeowners to have several loans secured by their homes.  In these situations, several lending agencies, such as banks or other mortgage companies may hold a lien to the home.  Should a homeowner fail to pay on any of the loans secured by his or her home, the lien holders… Read More »

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Financial Impact Of A Foreclosure

By Charlip Law Group L.C. |

One of the greatest fears that a person has when facing foreclosure, other than the fear of losing their home, if the long-term effect of the foreclosure on their financial life, especially their credit score and employment.  Generally, homeowners do not have a choice when it comes to whether or not they are going… Read More »

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Deciding On The Financial Sense Of A Foreclosure

By Charlip Law Group L.C. |

Sometimes foreclosure does not come as a surprise to some homeowners because they purposefully make a decision to walk away from their mortgage. There may be multiple reasons behind this decision, including avoiding having to repay an underwater mortgage. When deciding how to proceed, a homeowner may ask himself what the consequences of walking… Read More »

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Temporary Fix For Avoiding Foreclosure

By Charlip Law Group L.C. |

Facing temporary money problems can lead homeowners to miss mortgage payments and eventually get behind on their mortgage.  Situations such as illness, unemployment or natural disasters can all be temporary problems that can cause a homeowner to miss mortgage payments.  If the situation is truly temporary, finding a temporary way to address the missed… Read More »

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Mortgage Lender’s’ Responsibility To Be Responsive To A Struggling Homeowner

By Charlip Law Group L.C. |

Homeowners trying to avoid foreclosure may often wonder how to approach their mortgage lender to try and negotiate and try to keep their homes, or at least avoid foreclosure and its negative consequences.  Mortgage lenders may not always respond favorably, or may be slow to respond to homeowners, especially if they are not yet… Read More »

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Renting Out A Property In Foreclosure

By Charlip Law Group L.C. |

Renting out a home or a second property can be a profitable endeavor despite the risks associated with being a landlord.  Property owners who make the decision to rent out their homes may do so when things are going well for them financially, or even when they are in the midst of financial troubles… Read More »

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Mortgage Settlements And Homeowners

By Charlip Law Group L.C. |

Another large bank, HSBC, agreed to a settlement amounting to $420 million for past mortgage origination, servicing, and foreclosure abuses.  Some of these funds are expected to go directly to an estimated 6,400 homeowners who have to apply for the funds in order to receive them.  This settlement is not the first of its… Read More »

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Charlip Law Group L.C.

Charlip Law Group, LC is located in Brickell - Miami, Florida and serves clients in and around North Beach, Miami Beach, Miami, Hialeah, Opa Locka, Dania, Key Biscayne, South Beach, Fort Lauderdale, Hollywood, Broward County, Miami-Dade County, and Palm Beach County.

Charlip Law Group, LC is located in North Miami, FL and serves clients throughout Florida for 1st party insurance claims.

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