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Overcome with Debt

Defending Yourself From a Florida Foreclosure Part 1

By Jacobs Legal |

Education and representation Are we counting down to doomsday? Sometimes it feels like it. And in the current climate within the court system if it’s not doomsday, it certainly feels like the clock is winding down. 12:01 AM on October 1st, that was the final deadline for the extension provided by Executive Order (EO)… Read More »

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I’m Behind in my Mortgage Payments…Now What?

By Jacobs Legal |

You lost your job. You became ill. COVID-19 shut down your company. And now you’ve fallen behind on your mortgage payment. There are any number of legitimate reasons for not being able to pay your mortgage. So, what can you do? First, don’t panic. You have options and you can get help. Step 1… Read More »

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Using a Loan Modification to Avoid Foreclosure

By Jacobs Legal |

Struggling to make your mortgage? Worried about foreclosure? If you’re a homeowner and that mortgage is daunting to pay every month, a loan modification may just be your saving grace. With a loan modification you can make permanent or provisional changes to your loan, avoid default and foreclosure and stay in your home. Here’s… Read More »

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Moratorium Has Ended

How Can I Find Out if My Florida Mortgage is Federally Backed or Not

By Jacobs Legal |

With the news that Florida is not protecting homeowners from foreclosure during the COVID-19 pandemic as of October 1st, now the only protection Floridian homeowners have is if their mortgage is federally backed. Nationwide, nearly half of the mortgages that exist are either owned or backed by Fannie Mae or Freddie Mac. Those that… Read More »

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Why You Must Act Within 20 Days of Receiving a Lis Pendens

By Jacobs Legal |

You missed a mortgage payment. Now what? When you miss your first mortgage payment your lender is required to send a Notice of Default before the true foreclosure process begins. If you receive this notice, do not take it lightly. This is your opportunity to contact your lender or seek legal counsel before you find… Read More »

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What It Means to Dispute the Validity of Debt in the Foreclosure Process

By Jacobs Legal |

The Florida foreclosure process is not a fast one, but that doesn’t mean it is a passive process. In fact, as a homeowner, you and your lawyer play a very active role in fighting to keep your property. By actively engaging to protect your rights and fighting back against your lender, you may ultimately stand… Read More »

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How to Pay Off Credit Card Debt

By Jacobs Legal |

Many people think debt is something to hide or ignore, but ignoring it will only make it worse. One of the best approaches to tackling credit card debt for Floridians is to face it head on. You can do this by creating a debt payoff plan that will work for your situation. Where to… Read More »

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4 Ways to Avoid Foreclosure in Florida

By Jacobs Legal |

If you find yourself facing foreclosure on your home in Florida, you can bet the banks will be coming at you from all sides. Big banks don’t miss a beat, and if you begin falling behind on your mortgage payments, there won’t be much in the lines of forgiveness or empathy from them either… Read More »

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When You Miss a Credit Card Payment

What to do if You Miss a Credit Card Payment

By Jacobs Legal |

You’ve got bills, credit cards, utilities, trash, internet, cell phone and on and on to remember to pay. No matter how many reminders or sticky notes you use, it’s almost inevitable that you will miss payment deadlines. It can happen to anyone. It’s not the end of the world, but if you don’t catch… Read More »

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Mistakes with Summary Judgements in Foreclosure Cases

Common Mistakes Made With Summary Judgments in Foreclosure Cases

By Jacobs Legal |

A summary judgement is a motion to make a judgment on a case without going to full trial. The summary judgment can be motioned when the plaintiff believes that the defendant has no argument against their claim. In the case of foreclosure you would need to provide evidence against the bank that could oppose… Read More »

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