Posts Tagged Bankruptcy

Zombie Foreclosure Debt, it’s scary.

What is worse than losing your home to foreclosure? This article describes a scenario that I have been advising clients on for years. And more and more in foreclosure courtrooms we are seeing banks pursue money judgments for deficiency balances.

Additionally, many people who had their previous foreclosure case dismissed are facing new foerclosure cases. If you would like to discuss your foreclosure or debt collection issue with an experienced attorney, please contact my office and schedule a free consultation.

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Surviving Debt

Are you facing Foreclosure? Defend your home!

No matter what stage of foreclosure you are in, I can likely help.

Many homeowners facing foreclosure have been inundated with mail from people offering help.  You may be facing a law suit because you have not been able to keep up with mortgage payments, or perhaps you have fallen behind on your association dues.  Regardless, there are plenty of people out there trying to get your attention, offering their solution.  The noise can be deafening and it can be difficult to decide what the right direction for you may be in your circumstances.  If you take away one thing from your visit to this website it is this – Defend your home!

Defending your foreclosure case is a sound business decision in many if not most situations.

Your home and your personal finances are important.  By defending your foreclosure case you may be able to avoid a judgment of foreclosure and a potential deficiency judgment.  Battles are being waged inside our Circuit Courts as well as the Federal Bankruptcy Courts.  Many Americans fail to understand that there is more at stake than a party’s inability to pay.  This fight is about more than that.  By defending your foreclosure case, you are defending the Rule of Law.

Some would have you believe 1) you agree to pay, 2) you haven’t paid as agreed, 3) so the bank can throw you out on the street.  A breached agreement to pay does not abrogate hundreds of years of law.  The courts are obligated to enforce the law even when it’s the big banks that are suing. Without skilled attorneys in these cases, the counter-weight on the scales of justice, people’s rights are being trampled.  Unfortunately, every case that gets slammed through our court system unopposed moves us ALL further away from the Rule of Law.

If you have been served with a Summons and Complaint you are involved in a lawsuit and need to talk to an attorney.  If you are not yet behind on your mortgage payments but need a plan of action, you need to talk to an attorney.  If you have been ignoring your foreclosure or other credit issues we hope you will make the decision to do something now and contact our office for a FREE consultation.

My approach is simple.  I can explain the various strategies and options available to you, analyze your case for possible defenses and share the risks and benefits related to various options.  I have experience handling litigation for the defense in more than 350 foreclosure cases.  When we meet I will share with you some of my experiences.

Consumer Law – Credit Card Defense

If you are having issues with creditors, whether it is with credit card companies, a car loan, or medical bills, having the assistance of an attorney who is passionate about helping people find solutions can make all the difference.  There are laws designed to protect you from collectors who step over the line.  Whatever your circumstances, there may be solutions and defenses available to you that you may want to explore.  We may be able to help you work with debt collectors and avoid filing bankruptcy if that is your desire. Please contact my office to schedule a consultation to discuss your situation.  I will, at no charge, discuss with you in detail what options may be available and help you to develop a plan.

Consumer Bankruptcy

I am admitted to the Middle District of Florida and I am able assist you in filing Bankruptcy if you decide to do so.  My goal is to help you find your best solution and develop a plan of action that makes sense to you.  Only by taking a good look at your circumstances, knowing the risks and benefits, can you make an intelligent choice about your legal strategy.  I am available to assist.

Please contact my office for a FREE consultation to discuss your situation and begin developing your strategy.

Bankruptcy is often the first option that comes to mind for many people when they find themselves faced with difficult financial issues.  Bankruptcy can provide you with relief, however many people are interested in avoiding filing for bankruptcy relief if possible.  Filing for bankruptcy is not always the only option as often there are other solutions available that may be worth exploring.  The decision to file bankruptcy is an important one and there are both benefits and consequences.  Taking the time now to understand what options may be available based upon your unique circumstances, and then creating a plan of action that you are comfortable with, one that will help you reach your goals, may be time well spent.

“I assist clients in the defense of their real estate foreclosure cases, credit card lawsuits and other
debt collections suits, and in the filing of a bankruptcy if appropriate. My goal is to help you meet your goals. You may feel overwhelmed but you are not alone. Due to this current economic cycle many people find themselves in financial situations unlike anything they have ever experienced. Many of these people are not yet aware of their options.”


The services or benefits are with respect to bankruptcy relief under Title 11 of the United States Code.  This firm, under Federal Law, is considered a debt relief agency and helps people file for bankruptcy relief under the Bankruptcy Code within the meaning of Title 11 United States Code Section 528.

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Contact Information.

Based in the Sarasota, Florida area. Serving clients globally.

Consultations are available in person (by appointment only), over the phone, or online via Skype.

Mailing Address | 935 N. Beneva Rd., Suite 609, #103, Sarasota, FL 34232


Telephone 941-706-4472


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A Fresh Approach to Legal Services

This site is winding down. For updated contact information please visit


Dedicated to defending your rights.

Providing solutions you value through custom tailored legal services.

Bespoke Legal Services = Custom tailored solutions that help you meet your goals.

Step 1: Identify your goal.
Step 2: Build your team.
Step 3: Create a plan of action.
Step 4: Work the plan.
Step 5: Repeat as needed.

Your Goals

The process starts with your goals. Many lawyers you meet will be eager to tell you what they think you need. This Firm thinks that the best person to decide what you need, is you. However, in order to make important life decisions, it is vital to have the knowledge necessary to make a truly informed decision. This is where having competent counsel is vital.

Building Your Team

It has been said that “…it takes a village.” Well, I will say that it certainly takes a team. Who do you want on your legal team?

Few of us, if left to ourselves, would get very far. There are teachers, babysitters, parents, siblings, coaches, pastors, friends, neighbors, etc., that most of us rely upon to help us grow and achieve in our everyday lives. Those who strive to achieve at a high level, understand that picking the right team members has a huge impact on their chances for success. When making those choices, it is important that the people you select are as dedicated to you reaching your goals as you are. As an attorney and adviser, your goals become my goals.

Many lawyers today prefer to specialize in a very specific area, and are most comfortable offering a very limited, specialized service. In some circumstances, the off the shelf approach to legal services might work for you. But what if that service is not ideal for your situation? Not everyone wants to have to deal with one lawyer for their will, one lawyer for their immigration issue, and yet another lawyer if they have an accident. In fact, many people would rather not deal with an attorney at all.

It is unlikely that you will receive objective advice if that attorney only sells that service. If you have financial concerns, and you ask an attorney whose practice focuses on bankruptcy, you would expect to be offered a bankruptcy solution when there might be other solutions available that will better serve your needs.

The key point to take away is simply this…do you want someone to sell you a generic canned service or do you want someone who will consider all available options for your unique situation that will help you set up your best action plan.

Creating a plan of action

This is where together with your team you begin to create your own road map. This is where you outline the action steps required for you to meet your goals. It is a lot like preparing for a big athletic event. In order to successfully complete a marathon it is necessary to plan, prepare, and execute. The planning needs to be detailed but not lose sight of the goal. Milestones must be identified and interim goals achieved. Once you have the map laid out, you move on to step four.

Depending upon the specifics of your circumstances you may need more than one professional on your team. Professional Athletes for example often need a lawyer, accountant, various investment advisers, doctors, trainers, etc. There is no magic formula for every situation, but having a good team is important. After every final in a major tennis tournament the player will thank his or her team, it is that important.

Using any number of tools in the attorney’s tool kit, a plan of action is developed to help you meet your goal. Whether you have been injured in an accident and need assistance dealing with an insurance company, or you are seeking to open a new company in the United States, creating your plan of action begins with a call to Florida Defense Law, P.A.

Working the plan

Now that you have prepared yourself, it is time to put in the hard yards, and work the plan. Working the plan may include allowing your team to get to work on your behalf, or it may require some homework on your part. The important part of working the plan is that when you or your team member see that a part of the plan is not producing the desired result, you circle back, create a revised plan, and get back to working the newly revised plan.

Repeat as needed


Located along the Gulf Coast of Florida, near the training center for many world-class athletes, including the world-famous tennis academy IMG, the Firm provides value through helping clients create effective solutions to help meet their specific goals. The Firm also assists athletes in all phases of the athletic career. Whether you are a pre-professional looking for legal advice, or a seasoned professional looking for someone who you can relate to and who has your interests in mind, the Firm is here to assist you with all of your legal needs.

Located in downtown Sarasota, Florida. If you are unable to travel to meet in person, please contact my office to arrange for a telephone consultation or meeting via Skype.Office Location

I assist with a wide variety of legal issues including:

    • Insurance Disputes
    • Civil Appeals
    • Estate Planning, including Wills, Trusts, Probate, etc.
    • Foreclosure Defense
    • Real Estate, including Quiet Title actions, Landlord/Tenant, Homeowner Association and Condo Association
    • Consumer Law, including credit card debt collections
    • Consumer Bankruptcy
    • General Civil Litigation
    • Sports and Entertainment Law
    • Immigration
    • International Law, Private international law including international business transactions.
    • Services for small businesses
    • Contracts and contract related disputes


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