Recent Blog Posts

Merritt Island Florida Bankruptcy Attorney - What to consider when hiring a bankruptcy attorney

Beau Bowin — Sat, 18 Feb 2012 20:29:00 GMT

Another Bankruptcy tip from your friendly Merritt Island Florida Bankruptcy Attorney.

If you are considering filing bankruptcy in Merritt Island / Port Saint John / Cape Canaveral, Florida, you probably have many questions relating to the bankruptcy process. One of those questions should be how to find a competent attorney to advise you of your bankruptcy options and, if necessary, file your bankruptcy. Below is some some advice on how to select the best bankruptcy attorney for you.

How do I choose the right bankruptcy attorney for me and my family?

Bankruptcy is a very speciallized area of law. Only a small percentage of attorneys have any measure of expertise in bankruptcy law. It's extremely important that you know how long your attorney has been practicing bankruptcy law and what kind of bankruptcy experience your attorney has. In this economy, bankruptcies have become very popular, and many attorneys have jumped on the bankruptcy bandwagon because the feel they can make a lot of money in this economic environment. Some of these attorneys do massive amounts of television advertising to lure clients to their high rise offices in Orlando, Florida. It is important that you do research on the law firm before you hire them for your bankruptcy case. Researching attorneys has become quite easy in the Google age. You can simply type in the attorney or firm name and get a ton of information about the firm from third party sources, such as previous clients, peers and the courts.

For example, if you are curious about what previous clients felt about the firm you are looking to hire, Google search that firm in connection with the Better Business Bureau. If you want to know whether that firm has ever been sanctioned by the bankruptcy court, Google the firm or attorney name in connection with bankruptcy court sanctions. If you want to know if the firm is being investigated by the Florida Bar for elicit practices, Google the firm or attorney in connection with Florida Bar investigations or sanctions. Google searches on local papers, such as the Orlando Sentinel, is also a good source for uncovering information about the firm you are considering.

If your prospective firm passes your Google search inquiries, set an appointment to speak with an attorney at that firm. Never hire a law firm unless you are able to speak directly with an attorney about your legal situation before you hire them. Never settle for an "intake specialist" or paralegal to conduct the initial consult. You are entitled to competent legal advice from a bankruptcy attorney BEFORE you hire the firm and spend your time preparing for your bankruptcy.

Once you meet the attorney, ask how long they have been practicing law. More importantly, ask how long have they been practicing bankruptcy. Find out what type of bankruptcy experience they have. Will they be the attorney working your case or will you be passed off to a paralegal or junior attorney? These are all critical facts you should know BEFORE you hire the firm.

Last but not least, make sure you consult with more than one attorney. I would encourage you to meet with bankruptcy attorneys in your local area. Some of the best bankruptcy attorneys in Central Florida are located right here in Brevard County. If you would like a referral to qualified local bankruptcy attorneys, contact our office and we will be happy to consult with you as well as give you some names of our local competitors. Many of Brevard's local bankruptcy attorneys have a vested interest in their community and a keen interest in serving the needs of Brevard families. They are the kind of attorneys you want representing your interest. For more information on my experience and peer reviews, read my Attorney Profile or call to schedule a free consultation to meet with me personally.

In sum, don't just hire a law firm simply because you saw them on television. Do your research, interview local attorneys, and make an informed decision about which attorney is best qualified to represent you and your family's interests.

Bowin Law Group - Brevard's Hometown Law Group

Viera Florida Bankruptcy Attorney - How much does it cost to file bankruptcy?

Beau Bowin — Sat, 28 Jan 2012 16:43:00 GMT

More Bankruptcy facts from your friendly Viera Florida Bankruptcy Attorney.

If you are considering filing bankruptcy in Melbourne - Viera, Florida, you probably have many questions relating to the bankruptcy process. For information on the costs associated with filing bankruptcy, please read the remainder of this Blog below. For other information on filing bankruptcy, please review the tabs to the left of this page, or click on one of the links below:

Bankruptcy Overview

Chapter 7 Bankruptcy

Chapter 13 Bankruptcy

Bankruptcy FAQs

How much does it costs to file bankruptcy in Brevard County, Florida? The fees associated with filing a bankruptcy depend upon whether you file a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy. The fees associated with each type of bankruptcy are as follows:

Chapter 7 Fees:

Attorney's Fees - Attorney's fees for a Chapter 7 Bankruptcy typicaly range from $1,200 - $1,500, depending on the complexity of the bankruptcy case. Rarely have we ever charged more than $1,500 for a Chapter 7 Bankruptcy. A joint filing for spouses is typically $1,500, total.
Court Filing Fees - The filing fees for a Chapter 7 Bankruptcy, whether your filing individually or with your spouse is $306. This fee is paid to the firm, which the firm then pays to the Bankruptcy Court upon filing the bankruptcy petition.
Credit Couseling - The bankruptcy code rquires all debtors to take a credit counseling course before filing their petition. The course costs about $30 and can be taken online. It typically takes 45-60 minutes to complete the course. This fee is paid directly to the credit counselor, not to Bowin Law Group.
Credit Report Fee - Before filing your petition, we run a credit report to make sure we include all of the creditors in your bankruptcy. The software we use downloads your creditor information from the 3 major credit bureaus and imports that information into our system. The credit report costs $30 for an individual and $50 for spouses filing jointly

***Bowin Law Group offers payment plans to all Brevard residents for Chapter 7 bankruptcies.

Chapter 13 Fees:

Attorney's Fees - The Attorney's Fees for a Chapter 13 are approximately $3,500. A portion of this fee is paid prior to filing the petition (typically $1,500), and the remainder is paid through you Chapter 13 repayment plan. See our page on Chapter 13 bankruptcy for more information on the Chapter 13 process.
Other Fees - The other fees for a Chapter 13 bankruptcy are essentially the same as the fees stated above for Chapter 7.

To learn more about the bankruptcy process and to determine whether a bankruptcy can help you out of your financial situation, contact us today for a free consultation to discuss your debt releif option. Or, complete our Free Online Evaluation Form and someone from our office will contact you.

Bowin Law Group - Brevard's Hometown Law Group

Bankruptcy Attorney in Melbourne Florida - How will filing bankruptcy affect my credit?

Beau Bowin — Wed, 25 Jan 2012 01:41:00 GMT

Today's peice of bankruptcy advice from your friendly Melbourne Florida Bankruptcy Attorney

One of the most misundertood things about bankruptcy is the impact it will have on your credit score. I hear people say all the time "If I file bankruptcy it will destroy my credit for 10 years!" That thought alone scares many Melbourne, Florida families out of even considering a bankruptcy, much less consulting with a Bankruptcy Attorney to discuss what a bankruptcy can do for them. Fortunately, this common belief is just not true. To the contrary, filing a bankruptcy is often times the quickest way to REPAIR your credit. To learn more about how a bankruptcy may actually improve your credit, read the rest of the blog below. To learn about other aspects of bankruptcy, please click on one of the tabs to the left of this page or just click on a link below.

Bankruptcy Overview

Chapter 7 Bankruptcy

Chapter 13 Bankruptcy

So how can a bankruptcy improve my credit score? The answer is actually surprisingly simple. In most cases where someone is considering filing bankruptcy, they have already missed payments on their credit cards or mortgage. As these debts get farther and farther behind, the outstanding debt gets larger and larger. The account goes 30 days past due, 60 days past due 90 days, 120 days, 150 days, etc. As these debts get larger and larger and farther and farther past due, they have the effect of dragging your credit score down. These debts can continue to drag your score down for 7 years or longer. Unless you settle these debts, your credit will be damaged for a long time.

When you file bankruptcy, most of your bad debts get wiped out. Your credit report will reflect $0 balances, and the creditor can no longer report your debt past due. By wiping your credit report clean, bankruptcy has the effect in many cases of providing a significant bump in your credit score. Within 2 years, most bankruptcy filers find that their credit report is over 700 - far higher than it would have been had they not filed and left the bad debt on their credit report. All in all, bankruptcy is one of the quickest ways I know to repair your credit score and get you back on solid financial footing.

To learn more about bankruptcy and whether it is right for your family, contact Bowin Law Group to schedule a free 1 on 1 consultation with our bankruptcy attorney. We service clients throughout Brevard County, Florida, including Palm Bay, Melbourne, West Melbourne, Viera, Rockledge, Cocoa, Merritt Island, Titusville, Port Saint John and the beaches.

Bowin Law Group - Brevard's Hometown Law Group

Melbourne Florida Bankruptcy Attorney - What to consider when filing bankruptcy

Beau Bowin — Tue, 24 Jan 2012 01:14:00 GMT

The Melbourne Florida Bankruptcy Attorney at the Bowin Law Group has consulted thousands of Brevard families looking for information on whether filing bankruptcy is right for their family. Many people are surprised to learn how a bankruptcy can improve their financial situation and help them to regain their peace of mind. Most people know that bankruptcy can eliminate a lot of your debt, but what else can it do? What type of person would benefit from filing? This blog aims to answer those questions. For more detiled information on bankruptcy, click one of the tabs to the left, or click one of the following links:

Bankruptcy Overview

Chapter 7 Bankruptcy

Chapter 13 Bankruptcy

What can bankruptcy do besides eliminate debt? The first and most immediate relief you get from filing bankruptcy is the relief from creditors' harrassing phone calls. Creditor harrassment has become an awful reality for a great number of Melbourne, Florida residents. I often say that debt collectors are a different breed of human. I know everyone has a job to do, but some of the more aggressive debt collectors seem to take a special pride in being as nasty and rude as they can to the people they call. They know that the more harrassing they are, the more likely you are to pay them money. They don't care that you lost your job or were hospitalized for a critical illness or accident. They don't even care if you can afford groceries. All they care about is bringing in as much money as they can to get their bonus at the end of the month. Of course, there are federal laws that prohibit them from being abusive, but the collectors feel free to ignore those laws because they believe you can't afford an attorney to do anything about it. Even if you do sue them, the damages you recover are likely to be minimal. For the most part, outside of bankruptcy, there is not much to stop them from harrassing you, your family, your employer or anyone else they can get ahold of. Hey, it's there job.

This is where bankruptcy can provide extraordinary relief. Immediately upon filing a bankruptcy, whether Chapter 7 Bankruptcy or Chapter 13 bankruptcy, the Bankruptcy Codes provides a federal injunction against all of your creditors' collection efforts. The creditor can no longer call you, send you collection letters or sue you. If they have started to sue you then they have to stop. In most case, especially in most Chapter 7 bankruptcy cases, you will never hear from those creditors again. This federal injunction is called the "Automatic Stay". Unlike other federal debt collection laws, the Automatic Atay has teeth. If the creditor makes any attempt to collect the debt, even reporting negative credit to the credit bureaus, the debtor can sue the creditor in federal bankruptcy court and receive meaningful amounts of money. The Automatic Stay is one federal debt collection law the creditors will not violate. From the moment you file, you can breathe easy knowing that there is nothing the creditor can ever do to you again. You will actually be able to get a good night sleep without lying awake worrying about whether your wages or bank account will be garnsihed or whether your personal property will be seized. From the very moment of filing, the game is over for the creditor. Pretty cool, huh?

What type of person would benefit from filing bankruptcy? Anyone who has a substantial amount of credit card debt, medical debt, unsecured loans, personal signature loans, and substantial mortgage debt should consider consulting an attorney about bankruptcy. Both Chapter 7 Bankruptcy and Chapter 13 Bankruptcy can eliminate all of these debts.

The public perception in years past is that bankruptcy is for deadbeats who are trying to escape responsibility for debts they intentionally ran up beyond any reasonable means of paying them back. Today, nothing can be farther from the truth. In fact, the majority of my clients are local Melbourne, Florida families who, 2 or 3 years ago, would have never considered filing a bankruptcy. Until recently, they never missed a payment on anything in their life. But like many, they got caught in the economic downturn and their financial situation spun out of control. First, one of the parents loses a job or a substantial amount of income. After the loss of income, they can no longer afford their mortage. But unlike years past when you could just refinance your mortage to a lower payment, their home value was cut in half and now the banks won't even consider re-financing. So now they are stuck in a mortage they can't afford in a home that is worth half of what they owe. Add to that the credit card debt that piled up during their unemployment, and the family quickly finds themselves in a hole they cannot get out of. Now if the bank files a foreclosure, not only can they take the home, but they can also sue the homeowner personally for the loan balance remaining after the sale of the home, which is often in the $50 - $100k plus territory. With a salary of half that, there is no feasible chance the family will be able to pay that debt in their lifetime. They feel trapped and have no idea what to do.

This is a scenario I see way too often. But this is only one example. There are many reasons why good people get into bad debt situations. If you are having debt problems, instead of feeling ashamed, know that you have options to take control of your debt situation and get your family's debt situation back in stable condition. Bankruptcy is not a crime, and is definitely nothing to be ashamed of. It's a very powerful legal remedy to get your life back on track. Through bankruptcy, the homeowner can discharge all their medical and credit card debt, as well as eliminate their mortgage debt and perhaps modify the mortgage on their home. They can often come away from a bankruptcy with lower monthly payments and a new lease on life. After they file bankruptcy, many of them talk with their friends about their experience only to realize that their friend has already been through it. When you consider that nearly 30% of mortgages are in default, you come to realize that a good number of the people you know (friends, co-workers, bosses, etc) are in the exact same boat as you. Financial crisis affects all walks of life and all income brackets. We've assisted lawyers, doctors, and even bona fide rocket scientists. Even Donald Trump filed bankruptcy...TWICE! (although we did not represent him)

Bottom line - don't be ashamed to talk about your debt situation. Contact your attorney to discuss if bankruptcy or some other debt relief option is available to you. If you don't have any attorney, contact my office and ask for a free 1 on 1 confidential bankruptcy consult. You may be surprised what you learn.

Bowin Law Group - Brevard's Hometown Law Group

Melbourne Florida Bankruptcy Attorneys

Florida Foreclosures on the Rise Again - Melbourne - Palm Bay Foreclosure and Strategic Default Attorney

Beau Bowin — Thu, 22 Dec 2011 00:00:00 GMT

Although the banks slowed down their pace of filign foreclosures in Florida over 1 year ago, foreclosures now seem to be on the rise once again. Across Florida, foreclosures are up more than 30 percent over the last few months. If you are living in Melbourne, Florida and are in default on your mortgage, contact the Bowin Law Group to speak with a Foreclosure Attorney to discuss your options. If you want to keep your home, we can discuss ways to modify your mortgage to reduce your monthly payments to an affordable amount. If you want to leave your home and eliminate your debt with the bank, we can discuss strategic default and short-sale. You should also browse through our website to learn more about the options available to you.

For more infortmaiton about the recent rise in foreclosures and short-sales, click here.

Melbourne - Palm Bay Florida Foreclosure Attorney - Florida Mortgage Servicer Sued for Mortgage Fraud

Beau Bowin — Sat, 17 Dec 2011 20:02:00 GMT

The Melbourne Florida Foreclosure Attorney at the Bowin Law Group has witnessed first hand some of the Fraud that Mortgage Companies and Mortgage servicers have committed in Florida Foreclosure cases. When news broke out in late 2010 that mortgage servicers were filing fraudulent documents in court, it came as no shock to those lawyers who practice foreclosure defense in Florida. It was discovered that the mortgage servicing firms were employing so-called "robo-signers" to sign all their affidavits to be filed in court. They were called robo-signers because they signed thousands of affidavits each day without even a brief review of the facts they were attesting to by signing. What's the problem with this? The problem is that each time they signed these affidavits and filed them in court, they committed perjury. When the robsigners signed the affidavits, they were signing under penalty of perjury that they reviewed the affidavit and personally verified the facts they were attesting to. In hundreds of thousands of cases, the robosigners not only failed to verify the facts in the affidavit, but they failed to even review the affidavits at all. So what's the penalty for committing perjury? That answer depends on whether you are an individual or a huge multinational financial institution.

Filing a false affidavit in court is exactly the same as taking the stand in court and lying to the court. As an attorney, if I filed just one false affidavit on behalf of my client, my bar license would be revoked and my client would be sanctioned and would probably face criminal charges. So what punishment have the banks recieved after admitting to committing perjury tens of thousands of times a month over several years in foreclosure court's around Florida and the entire country? None! Not one sanciton or fine or criminal charge from the Florida Attorney General. We've all heard of too big to fail. Apparently, the banks are also too big to judge. Although the State of Florida has done nothing to bring the banks to justice, there is apparently some hope yet.

The Nevada Attorney General has filed civil charges against the largest mortgage servicing company in the country for its role in the robosigning scandal. The Nevada Attorney General filed a civil lawsuit seeking what could amount to hundreds of millions of dollars from Lender Processing Services Inc., DOCX LLC, LPS Default Solutions Inc. and several subsidiaries.

The civil court filing came after state prosecutors last month obtained a more than 600-count grand jury indictment accusing LPS officials Geraldine Ann Sheppard and Gary Randall Trafford of directing a "robo-signing" scheme that led to the filing of tens of thousands of fraudulent foreclosure documents in the Las Vegas area.

Before anyone reading this blog misunderstands me, I want to make it clear that I am not an anti-bank zealot or anti-capitlist. I hope all the banks make tons of money and their executives receive large bonuses when they do a good job. I am not anti-profit or anti-corporation. I am anti-FRAUD...whoever perpetrates it. The banks have been caught with their hands in the cookie jar. They have even admitted their wrong doing in court papers. It's time they are held to the same standard every other american is, whether a private individual, small business, or a Fortune 500 Company. One country, one set of laws.

I'll believe it when I see it.

A more detailed report on the Nevada case can be viewed at Nevada Sues Lender Processing Services, Inc.

Melbourne Florida Foreclosure Attorney - Banks sue homeowner for loan balance after foreclosure sale

Beau Bowin — Tue, 04 Oct 2011 17:54:00 GMT

As a Melbourne Florida Foreclosure Lawyer, I've defended hundreds of foreclosures in Brevard County. Recently, I've notice that many homeowners are now getting sued by their mortgage companies AFTER their homes are foreclosed and sold.

Many clients have come to us after their home was sold in a foreclosure sale or short-sale and the bank is now attempting to collect the amount remaining on the loan after the sale. This is the very reason it is important to hire an attorney to defend your foreclosure or to represent you in a short-sale. If you don't have an attorney to help negotiate a waiver of your debt, the bank may still have a claim for the loan even after the sale. They can then attempt to collect the money for the next 20 years by garnishing wages and bank accounts and seizing your personal property.

If you are facing a foreclosure or are considering a short-sale of your home, contact our office today for a free consult to see how we can help you eliminate your debt to the bank.

Port Saint John Bankruptcy and Foreclosure Defense Attorney

Beau Bowin — Mon, 22 Aug 2011 00:24:00 GMT

The Bowin Law Group is proud to announce the opening of its Titusville, Florida office. With the addition of the Titusville office, Bowin Law Group is better able serve families in Titusville and Port Saint John who are in financial distress. Our Titusville / Port Saint John Bankruptcy Attorneys and Foreclosure Defense Attorneys are here to protect your family's assets and safe gaurd your financial future.

With recent layoffs throughout the Space Coast, many Brevard families are struggling to make ends meet and to pay their monthly mortgage payments. No where is this more so than in Titusville and Port Saint John. Most of these families feel their situation is hopeless and that they have no one to turn to for help. They are reluctant to retain legal representation because they feel they cannot afford an attorney. It is for these people that the Bowin Law Group was established. As Brevard's Hometown Law Group, we offer reasonable payment plans for all Brevard residents, whether you are considering bankruptcy, foreclosure defense, strategic default, or some other debt relief option. For the cost of about 1 mortgage payment, the Bowin Law Group will represent your family to either defend your home from foreclosure and modify your mortgage, or to help eliminate your debts to your mortgage company and other creditors.

Don't wait until your retirement savings are depleted and your severance has run out before you seek legal counsel. By contacting our office early, we may be able to preserve your retirment savings and other assets while working out a solution to your debt problems.

Call us today to find out how we can help you. Or, fill out our Free Case Evaluation and someone from our office will contact you shortly.

Brevard's Hometown Law Group

KEL Attorneys Banned From Florida Bankruptcy Courts

Beau Bowin — Tue, 24 May 2011 17:34:00 GMT

KEL Attorneys, a bankruptcy and foreclosure defense firm based in Orlando, Florida, was recently banned by the Orlando Bankruptcy Court from filing any more bakruptcies in the Middle District of Florida, which includes Melbourne, Palm Bay, Cocoa, Titusville and all of Brevard County, Florida.

In it's order dated May 17, 2011, an Orlando Bankruptcy Judge barred the law firm of Kaufman, Englett and Lynd (KEL) "from practicing before the United States Bankruptcy Court for the Middle District of Florida, including the filing of any papers and pleadings..." The Court cited "numerous missteps and lack of diligence" by KEL Attorneys. The sanction entered by the Court is incredibly rare and is one of the harshest sanctions the Court could impose. It takes some pretty serious offenses to warrant such sanctions. See the Orlando Sentinel report.

Although there is no certainty as to how long KEL Attorneys will be banned from practicing bankruptcy in the Middle District of Florida, it is clear that until the ban is lifted, KEL will not be permitted to file any bankruptcy petitions on behalf of Brevard County residence.

If you live in Brevard County and are looking for a bankruptcy or foreclosure defense attorney, contact our office today to schedule a free consult. We offer affordable payment plans to all Brevard County residents.

Brevard's Hometown Law Group

For Foreclosure Defense, Always Choose a Local Attorney

Beau Bowin — Tue, 15 Mar 2011 23:47:00 GMT

The Melbourne Foreclosure Attorneys at the Bowin Law Group are dedicated to helping Brevard County families fight their foreclosures, modify their mortgages and save their homes. When looking for a foreclosure attorney to represent you, it is important that you consult with your attorney face-to-face before retaining their services. When you meet your attorney, ask them if they are the attorney that is going to handle your case or are they going to pass it along to a younger attorney or paralegal. At the Bowin Law Group, you will meet with an experienced foreclosure defense attorney one-on-one. Moreover, the attorney you meet is the attorney that will handle your case from begining to end.  The Bowin Law Group is dedicated to winning our foreclousre cases, whether that means negotiating a modification of your mortgage, or taking the foreclosure action to trial. Saving your home is our primary concern.

There are big "mill" law firms in Orlando Florida and across the state that spend tens of thousands of dollars advertising their services to Brevard County residents. According to our clients that came to us after previously hiring one of these firms, the firms have dozens of junior attorneys piled into cubicles shuffling through thousands of foreclosure cases.   Some have a public spokes-attorney doing television interviews and news coorespondence, but never actually handles the foreclosure cases himself. Instead, the firm herds in as many clients as they can to pay for their advertising, then do little or nothing to actually win the foreclosure case or modify the mortgage.

At Bowin Law Group, we handle a smaller case load to ensure that we can give each case the attention it deserves. The foreclosure attorney at the Bowin Law Group has extensive litigation experience, having been selected as a Rising Star by Super Lawyers Magazine in 2010 and 2011. He has represented many Fortune 500 companies across the country, including Winn-Dixie Stores, Inc. in its multi-billion dollar Chapter 11 Bankruptcy case from 2005 through 2009, Florida Power & Light, Citi Corp, Wachovia Bank and many more. Each of these companies has one thing in common, they can each afford the very best attorneys money can buy. All too often, however, the small family trying to make ends meet can't afford an attorney to protect their rights. The Bowin Law Group was established to ensure that all Brevard County families have access to the same high caliber representation that is typically reserved for clients with large pocket books. We offer reasonable payment plans that your family can afford.

If you are facing foreclosure on your home in Melbourne, Florida or Brevard County, or are getting nowhere with your mortgage modification, contact Bowin Law Group today to schedule a free one-on-one consult with an experienced foreclosure attorney. Put our experience to work for you.

                                We are Brevard's Hometown Law Group

Palm Bay Florida Foreclosure Attorney - Banks mislead homeowners seeking modification

Beau Bowin — Sat, 12 Mar 2011 16:45:00 GMT

The Palm Bay Florida Foreclosure Attorney at the Bowin Law Group has counseled hundreds of clients over the past year who have been misled by their mortgage companies while seeking a modification of their mortgage. The bank advises the homeowners to miss their mortgage payment to qualify for the modification.  The bank then puts the homeowners through months of headache and stress - the homeowners are required to fill out all the modification paperwork multiple times (each time the bank loses it), each time the homeowner calls the bank they get a different representative who has no record or recollection of the last phone call, and the homeowner can never get a hold of anyone at the bank who has any decision making authority.

    Often times, the bank qualifies the homeowner for a "Trial Modification" for 3 to 4 months. After the homeowner makes the trial modification payments, the bank denies the permanent modification and files a foreclosure action against the homeowner for missing the very payments the bank advised the homeowner to miss. The bank tricked these Palm Bay homeowners into foreclosure. However, this is only the begining of the deception.

    The 3 to 4 trial modification payments the homeowners made did not go to pay principal or interest on the mortgage. Instead, the trial payment went into a suspense account that the bank later used to pay their foreclosure costs. The bank has deceived the homeowners into paying for their own foreclosure.

  If you live in Palm Bay and are seeking a modification of your mortgage, or are already in foreclosure, contact the legal team at the Bowin Law Group to schedule a free consultation to see how an exeperienced foreclosure attorney can assist you in modifying your mortgage and saving your home. We offer reasonable payment plans you can afford.

                                            Brevard's Hometown Law Group

Orlando Bankruptcy Attorney | Orlando Florida Foreclosure Attorney | Orlando Strategic Default Lawyer

Beau Bowin — Sat, 12 Feb 2011 17:08:00 GMT

The Central Florida based Bowin Law Group is pleased to announce the opening of its new Orlando location in the heart of Downtown Orlando. The Bowin Law Group's Orlando Florida Bankruptcy Attorneys have more than 20 years of combined bankruptcy experience in Chapter 7 bankruptcy, Chapter 13 bankruptcy and Chapter 11 bankruptcy. We have helped thousands of individuals and businesses navigate the bankruptcy process, discharge their burdensome debts and get a fresh start on life. If you are considering filing bankruptcy in Orlando, Florida, call us today to schedule a one-on-one consult with our local bankruptcy attorneys.

In addition to their bankruptcy experience, the attorneys at the Bowin Law Group consist of some of the leading Florida Foreclosure Defense Attorneys and Strategic Default Attorneys. Whether you are seeking to save your Orlando home from forecloure by modifying your mortgage, or whether you prefer to surrender your home with no further liability to your mortgage lender, an Orlando Florida Foreclosure Attorney at the Bowin Law Group has several options to accomplish your goals.

A new website for our Orlando office is in the works. For now, please review our current website for valuable bankruptcy, foreclosure defense and Strategic Default information. If you live in Orlando, Florida and would like one on one with a local bankruptcy or foreclosure defense attorney, call 1-800-540-8081 to schedule a free consult today. Or, complete our free online case evaluation and someone from our office will contact you to discuss you options.

Titusville Florida Foreclosure Attorney: Banks May Come After Homeowners' Assets After Foreclosure

Beau Bowin — Sat, 08 Jan 2011 19:47:00 GMT

If you live in Titusville, Florida and are having trouble making your mortgage payment, do not just walk away from your home and think everything will be o.k. The fact is, if you walk away without resolving your debt with the bank, the bank can sue you for the difference between what you owe on the mortgage and what the bank recovers at a foreclosure sale. A recent post in the Sun-Sentinel gives a brief explanation of what a bank may do to recover the money you owe. http://www.sun-sentinel.com/business/fl-bank-mortgage-garnish-20110107,0,5129126.story

If you are considering walking away from your home because you can't make the payments and you owe more than the home is worth, you should speak with a Titusville Florida Foreclosure Attorney to see how we can keep you in your home mortgage free (sometimes for more than 1 year) while negotiating with the bank to waive your debt on the mortgage. The Bowin Law Group can advise you on your options, including short-sale, deed-in-lieu, and strategic default. With the right guidance, you can put tens of thousands of dollars in your pocket and walk away free and clear of your obligation to the mortgage company. Without the right guidance, you risk facing decades worth of collection actions from the bank, including wage and bank account garnishments.

Contact the Bowin Law Group today to schedule a free consultation in our Melbourne or Cocoa Village office.

We are Brevard's Hometown Law Group

Melbourne Florida Bankruptcy Attorney Saves Brevard Family's Home

Beau Bowin — Fri, 17 Dec 2010 22:49:00 GMT

A Melbourne Florida Bankruptcy Attorney at the Bowin Law Group helped to save a family's home on the eve of a foreclosure sale. The client scheduled a routine consult with Bowin Law Group to determine what options were available to modify his mortgage and save his family's home. The client was aware that a foreclosure summons had been filed against him in Brevard County, Florida, but he was assured by the bank that he did not need to respond to the foreclosure action. The bank told the homeowner to ignore the foreclosure proceedings because the modification he was working on would "take care of the foreclosure." Acting on the bank's advice, the homeowner did not file anything with the court in the foreclosure case. Only after consulting with our Melbourne Foreclosure Attorney did the homeowner learn that his bank had deceived him. Despite the bank's assurances that he did not need to respond to the foreclosure complaint, the bank obtained a summary judgment against the homeowner and the home was scheduled for sale the following week. There was little time to act.

The Bowin Law Group immediately filed an emergency motion to vacate the summary judgment and to cancel the foreclosure sale. At the hearing, the Bowin Law Group argued that the judgment should be vacated because the homeowner was deceived into not responding to the foreclosure case. Indeed, the bank never sent notice of summary judgment hearing to the homeowner, which is required before the bank can obtain a foreclosure judgment. Based upon the homeowner's testimony, the Court vacated the summary judgment and cancelled the foreclosure sale. The homeowner now has the opportunity to attend a court ordered mediation to negotiate a modification of his mortgage.

Had the homeowner not scheduled a free consultation, the family would have been evicted from their home within the month. Sadly, most homeowners are not as lucky as this family. Too many homeowners are following the bank's advice and not responding to their foreclosure action in hopes of getting a modification, only to lose their home for failure to defend the foreclosure action. If you are a homeowner seeking a mortgage modification, please contact our office immediately. Regardless of what the bank representative tells you, if you don't defend the foreclosure action, the bank WILL take your home.

Call us for a free consultation at 321-821-7440

Melbourne Florida Bankruptcy Attorney Provides Many Debt Relief Alternatives

Beau Bowin — Sun, 05 Dec 2010 22:20:00 GMT

    The Melbourne, Florida Bankruptcy Attorney at the Bowin Law Group offers a variety of debt relief options to fit your family's needs. We offer representation for Foreclosure Defense, Bankruptcy, Mortgage Modification, Credit and Debt Negotiation, Short-Sales, Deed-in-Lieu and Strategic Default. Because we practice all areas of debt relief, the Bowin Law Group can give you candid advice about which debt relief option is best for your family's situation.

    Too many bankruptcy attorneys today are practicing bankruptcy for the first time in their career because they think they can make money in this market. The problem, however, is that bankruptcy is an area of law that requires specialized experience. If you hire an attorney without a sufficient background in bankruptcy law, you run the risk of losing your precious assets that you worked hard to acquire. When you file a Chapter 7 bankrupty, the bankruptcy court can take your non-exempt assets to pay your creditors. If your attorney is not experienced in bankruptcy law, you may not recieve all the exemptions you are entitled to and you may lose property unnecessarily, including your home, your car, and money in your bank accounts.

    Many attorneys have converted their entire practice to bankruptcy to take advantage of these tough economic times. If the attorney you hire is not intimately familiar with bankruptcy law, they may talk you into filing a bankruptcy, even when it's not right for you, because they know they will make money off your case. At the Bowin Law Group, we practice all areas of debt releif. The bankruptcy attorneys at the Bowin Law Group have handled thousands of bankruptcy matters over the past decade and have the experience to help you navigate the bankruptcy process and to secure all the benefits a bankruptcy can provide. However, because we have experience in all areas of debt relief, we can recognize when a bankruptcy is not in your best interest and can advise you on which debt relief option is best for you.

    Wherever you live in Brevard County Florida, whether it's Melbourne, Palm Bay, Viera, Merritt Island, Cocoa, Rockledge or Titusville, the Bowin Law Group will provide you with a free consultation to discuss which debt relief options are available to you. We have successfully modified mortgages for many Brevard families, succesfully defended foreclosure actions, negotiated credit reductions and debt settlements, and advised homeowners on strategic mortgage defaults and the short-sale process. Bowin Law Group has a team of legal professionals ready to resolve your debt issues and provide you with the fresh start and financial peace of mind you need.

We are Brevard's Hometown Debt Relief Law Firm.

Contact the Bowin Law Group today for a free consultation to see how we can help you resolve your debt problems.