Recent Blog Posts in 2010 |
| 7 posts found. Viewing page 1 of 1. |
| August 22, 2010 |
| Merritt Island Bankruptcy Attorney Opens New Cocoa Office |
| Posted By Beau Bowin |
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The Bowin Law Group has opened a new office in Cocoa Village Florida to better serve families in Central and North Brevard, including Merritt Island, Rockledge, Viera, Port Saint John, Titusville, Cape Canaveral and the Beaches. The Merritt Island Bankruptcy Attorney at the Bowin Law Group offers legal representation in many areas of Debt Relief. Our practice inlcudes Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Foreclosure Defense, Mortgage Modification, Short-Sales, Deed-in-Lieu, Debt Settlement and Debt Negotiation.
Call the Bowin Law Group today to schedule a free consultation to determine which debt relief option best fits your family's needs. Unlike most other bankruptcy firms in Central Florida, we practice all areas of debt relief and can therefore give you honest and candid advice about which option is right for you. Many debt relief attorneys will attempt to talk you into a bankruptcy, foreclosure defense or other debt relief option, depending on what area of law they practice and which option is best for their bottom line. At the Bowin Law Group, your financial interests are our primary concern. We offer affordable payment plans to all Brevard County residents. Contact us today, and together we will determine the best way to eliminate your debt and restore your financial peace of mind.
We are Brevard's Hometown Law Group. |
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| August 14, 2010 |
| Mortgage Companies Deceive Brevard County Homeowners into Foreclosure |
| Posted By Beau Bowin |
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Over the last few years, many thousands of Melbourne Florida homeowners have contacted their mortgage companies to work out mortgage modifications to reduce payments on their homes. The Melbourne Florida Foreclosure Attorney at the Bowin Law Group has counseled many of these homeowners and has heard the same troubling story about the wreckless and deceptive advice the homeowners are getting from their banks. Each of the of the homeowners ended up in foreclosure as a result following the mortgage companies' wreckless advice.
Many of these homeonwers were current on their mortgage at the time they contacted their banks to negotiate a modification. In most cases, the mortgage company instructs the homeowners to miss their mortgage payments, stating that the bank cannot help the homeowners while the homeowners are current on their mortgage payments. Following the mortgage companies' advice, the homeowners miss their payments, then contact the bank for a modification. The homeowners are then required to fill out modification paperwork and send the paperwork to the bank for review. Each time the homeowner calls to ask about the status of the modification, the homeowner has to speak with a different representative that has no record of the homeowners' last call and has no information about the status of the modification. The homeowners are then told that the bank has not received the modifcation paperwork, and the homeowner is required to send more documents into the bank.
Finally, after months of hanging in limbo with no answers from the bank, the homeowner might get approved for a "temporary modification", which the bank says will become permanent if the homeowner makes the monthly payments required under the temporary modification. The homeowner makes the temporary payments, but is ultimately denied for a permanent modification. The bank then files a foreclosure action to take the home, and the bank uses the "temporary modification" payment to pay their foreclosure costs.
The Melbourne Foreclosure Attorney at the Bowin Law Group has heard this scenario too many times. The banks' actions are nothing short of wreckless and possibly fraudulent. In summary, the bank convinces you to miss your payment and puts you in default,
then gets you to pay for your own foreclosure through temporary modification payments.
What other industry could get away with such actions?
But the deception doesn't stop there. Once the homeowners are served with their foreclosure summons, they call their bank to find out why they are being foreclosed on. After all, the homeowner has done everything the bank has asked them to do. The banks then give some of their most dangerous advice yet. The bank tells the homeowner not to respond to the foreclosure action because the bank is working on a modification that will take care of everything. After again following the bank's advice and not filing a response to the foreclosure action
with the court
, the bank obtains a judgment against the homeowners for not responding to the foreclosure action. The bank can now sell the home.
If you or someone you know is currently in the modification process, contact a Florida forecosure defense attorney immediately. Trusting the bank to do the right thing could be a terrible mistake. We can help you negotiate a modification of your mortgage and, if necessary, fight any foreclosure the bank files. Remember, the bank has many attorneys working hard to take your home. Shouldn't you have one to help you keep it.
The Bowin Law Group offers very reasonable payment options that your family can afford. Conact us for a free consultation today to see how we can help modify your mortgage and save your home. |
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| August 02, 2010 |
| Changes in Florida Foreclosure Laws |
| Posted By Beau Bowin |
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| The Florida Supreme Court recently adopted procedures in all Florida foreclosure actions, which significantly increase a homeowner's ability to modify their mortgage and save their home. A Melbourne Florida Foreclosure Attorney at the Bowin Law Group can explain these new procedures and how they can help you save your home. In short, the new procedures require the bank to set a mediation with the homeowner to consider mortgage modification options before the bank can request a foreclosure judgment. The bank is required to present a representative with authority to modify the mortgage if a modification is possible. This procedure stands in stark contrast to modification procedures outside of the foreclosure process, where the homeowner can never speak with a representative with authority to make a decision on whether to modify the mortgage. Moreover, you can have an experienced Florida Foreclosure Attorney represent you at the mediation to make sure your interests are protected. To take advantage of this opportunity, the homeowner must act quickly after the foerclosure is filed. Failure to act timiely will result in a waiver of the homeowner's right to attempt a modification of their mortgage and the loss of their home. Regardless of what the bank representative tells you, if you don't respond to the foreclosure action, the bank will take your home. The Bowin Law Group has counseled many homeowners that were assured that they didn't need to respond to the foreclosure action while the bank considerded a modification. In most of these cases, the bank obtained a default judgment against these homeowners due to the homeonwers' failure to respond to the foreclosure. Don't let the bank defraud you out of your home. The bank has a lawyer working hard to foreclose on your home. You should have an attorney working hard to save your home and modify your mortgage. Contact the Bowin Law Group for a free consultation to see how we can help you modify your mortgage ans stop the foreclosure of your home. |
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| July 24, 2010 |
| Melbourne Florida Bankruptcy Attorney |
| Posted By Beau Bowin |
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The Melbourne Florida Bankruptcy Attorney at the Bowin Law Group will be participating in a foreclosure and bankruptcy expo sponsored by the Brevard County Housing and Human Services Department on August 28, 2010 at Viera Regional Park from 10:00 a.m. to 2:00 p.m.. Bowin Law Group will be on site to answer questions regarding mortgage modifications, Florida Foreclosure and bankruptcy for all Brevard County Residents. Banking and mortgage modification specialists from the banks will also be particpating. The expo will provide an excellent opportunity for homewoners to get valuable information regarding their specific financial situation and to have all their questions answered by industry professionals. Whether you are defending a foreclosure, looking to modify your mortgage, or seeking advice on how bankruptcy may help you, you should not miss this event. For more information about the event, contact the Bowin Law Group today.
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| July 23, 2010 |
| Melbourne Foreclosure Attorney Succeeds in Canceling Foreclosure Sale |
| Posted By Beau Bowin |
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| A Florida foreclosure defense attorney at the Bowin Law Group successfully argued that the foreclosure sale on their Melbourne, Florida client's home should be cancelled and the foreclosure judgment reversed, thus forcing the bank to restart the entire foreclosure process from square one. Before the Bowin Law Group was retained to defend the foreclosure action, the bank submitted a proposed "agreed" order to the judge denying the homeowner's motion to dismiss the case. The Judge signed the proposed agreed order in due course. An agreed order is an order that is agreed to by both parties. In this case, however, the homeowner never agreed to an order denying his motion to dismiss the case. The Bowin Law Group's foreclosure defense attorney cross-examined the bank's attorney on the witness stand regarding the circumstances surrounding the entry of the "agreed" order. The bank's attorney admitted that she had no evidence of any agreement by the homeowner to deny the homeonwer's motion to dimiss. The court found that although there was no showing that the bank committed any fraud, the foreclosure sale should be cancelled, the foreclosure judgment vacated, and the homeowners should have a renewed opportunity to defend their home. This case is an example of why it is necessary to hire an experienced Melbourne foreclosure attorney to defend a foreclosure action. Without an experienced Florida foreclosure defense attorney to defend the bank's actions, a homeowner could lose their home due solely to the bank's "error."http://www.bowinlaw.com/ |
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| July 21, 2010 |
| Melbourne, Florida Foreclosure Attorney: Perils of Following the Bank's Advice. |
| Posted By Beau Bowin |
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The Melbourne Florida Foreclosure Attorney at the Bowin Law Group recently represented a client that failed to file a response to his foreclosure action. The client stated that the reason he failed to answer the complaint was that the bank instructed him that he did not need to worry about the foreclosure action because the bank was modifying his mortgage. Following the bank's advice, the homeowner did not respond to complaint, figuring his modification was imminent. When the modification never came, the homeowner contacted the Bowin Law Group to defend his foreclosure action. The Bowin Law Group discovered that the Bank had obtained a default against the homeowner for not answering the complaint, even though it was the bank that instructed the homeowner to ignore the foreclosure action. The Foreclosure Attorney was successful in having the default lifted. However, there are many homeonwners in Melbourne, Florida and throughout Brevard County who also have defaults against them because they also followed the bank's advice and ignored their foreclosure actions. The homeowners are in danger of losing their homes. This is yet another reason homeowners should seek legal representation when faced with a foreclosure in Melbourne, Florida. Without legal representation, the bank can cheat these homeowners out of their homes.
http://www.bowinlaw.com/
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| July 21, 2010 |
| Welcome to our Melbourne Bankruptcy Blog |
| Posted By Melbourne Bankruptcy Attorney |
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| We are pleased to announce the launch of our Melbourne bankruptcy blog. |
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| Continue reading "Welcome to our Melbourne Bankruptcy Blog" » |
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| 7 posts found. Viewing page 1 of 1. |