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		<title>10 Things to Know About Mortgage Debt Collectors and Florida Short Sales, Florida Foreclosures, and Florida Home Loan Modifications</title>
		<description><![CDATA[In Florida, countless home owners are facing the lose of their home to foreclosure because they can&#8217;t continue to make their mortgage payments due to lost jobs, medical expenses, and other life events.  Other home owners have mortgages that are much, much larger than the fair market value of their homes and they are wondering [...]]]></description>
		<link>http://www.aboutfloridalaw.com/2012/02/02/10-things-to-know-about-mortgage-debt-collectors-and-florida-short-sales-florida-foreclosures-and-florida-home-loan-modifications/</link>
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		<title>Florida Mortgage Holders: Has Anyone Explained to You About the Collection Efforts That You&#8217;ll Face When You Stop Making Your Home Mortgage Payments?  Unfair Collection Activities in Florida Mortgage Defaults and Deficiencies</title>
		<description><![CDATA[A nice article appeared in Reuters this week entitled, &#8220;What Happens When You Walk Away From Your Home?&#8221; that includes a brief discussion of things we post about here regularly:  underwater mortgages in Florida and elsewhere and the various issues that go into deciding whether or not to stop making mortgage payments on a home [...]]]></description>
		<link>http://www.aboutfloridalaw.com/2012/01/31/florida-mortgage-holders-has-anyone-explained-to-you-about-the-collection-efforts-that-youll-face-when-you-stop-making-your-home-mortgage-payments-unfair-collection-activities-in-florida-mortgage/</link>
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		<title>Five Things To Know About The Income Tax Break For Short Sales, Foreclosures, and Loan Modifications That Ends December 2012</title>
		<description><![CDATA[As discussed in our earlier post, a major tax break will end on December 31, 2012, that helps Florida home owners facing foreclosures, negotiating loan modifications, or working on a short sale of their home.  For several years, a federal law has exempted the amount that isn&#8217;t covered by the foreclosure or short sale or [...]]]></description>
		<link>http://www.aboutfloridalaw.com/2012/01/26/five-things-to-know-about-the-income-tax-break-for-short-sales-foreclosures-and-loan-modifications-that-ends-december-2012/</link>
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		<title>Florida Home Owners Need to Short Sale Now Because Income Tax Benefit Goes Away End of 2012: The Mortgage Debt Relief Act of 2007 Expires This Year</title>
		<description><![CDATA[Florida home owners concerned about foreclosure and pondering a short sale should get busy and get that short sale process started.  Why?  There is a countdown to the expiration date of a federal law that will impact them badly if they wait until after the end of 2012 to close on that short sale of [...]]]></description>
		<link>http://www.aboutfloridalaw.com/2012/01/24/florida-home-owners-need-to-short-sale-now-because-income-tax-benefit-goes-away-end-of-2012-the-mortgage-debt-relief-act-of-2007-expires-this-year/</link>
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		<title>Real Estate Appraisal Errors Remain a Huge Problem: Consider This &#8220;Hole in the Wall&#8221; Story &#8211; What To Look For In Your Florida Home Appraisal</title>
		<description><![CDATA[Sometimes, the easiest way to understand something is to consider one example.  In the case of appraisal error, a recent news story about a phony and fraudulent New York home appraisal really helps to make things clear.  In many instances, appraisals are bad because of fraud &#8211; and because of negligence. Great Example of Appraisal [...]]]></description>
		<link>http://www.aboutfloridalaw.com/2012/01/19/real-estate-appraisal-errors-remain-a-huge-problem-consider-this-hole-in-the-wall-story-what-to-look-for-in-your-florida-home-appraisal/</link>
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		<title>How the Federal Servicing Alignment Initiative Helps Florida Home Owners Wanting to Short Sale</title>
		<description><![CDATA[The Federal Housing Finance Agency (FHFA) implemented the federal Servicing Alignment Initiative last year and, in 2012, this new federal incentive plan should boost the number of short sales here in Florida, which is great news for home owners wanting to avoid a foreclosure. What is the Servicing Alignment Initiative? The Servicing Alignment Initiative is [...]]]></description>
		<link>http://www.aboutfloridalaw.com/2012/01/17/how-the-federal-servicing-alignment-initiative-helps-florida-home-owners-wanting-to-short-sale/</link>
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		<title>5 Things to Know About Florida Short Sales in 2012 for Sellers and Buyers of Florida Homes</title>
		<description><![CDATA[In Florida, short sales are growing in popularity now that lenders realize the expense and difficulty of dealing with a foreclosed home, and because so many other homes are at risk for foreclosure their is a likelihood that the inventory will continue to grow.  Also, banks rather have a home sold by short sale than [...]]]></description>
		<link>http://www.aboutfloridalaw.com/2012/01/12/5-things-to-know-about-florida-short-sales-in-2012-for-sellers-and-buyers-of-florida-homes/</link>
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		<title>Florida Real Estate Closings Are Important: Checking Paperwork Details May Have Saved Florida Homeowners From Foreclosure Filing by Bank of America Eight Years Later</title>
		<description><![CDATA[At most real estate closings, there&#8217;s lots of paperwork.  Page after page of single-spaced language that has to be reviewed, and then  affirmed by the signor that they read and understood all that language in all those pages. Which is what  Barbara and Rick Borchers did when when they sold their Florida home eight years [...]]]></description>
		<link>http://www.aboutfloridalaw.com/2012/01/10/florida-real-estate-closings-are-important-checking-paperwork-details-may-have-saved-florida-homeowners-from-foreclosure-filing-by-bank-of-america-eight-years-later/</link>
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		<title>Life Planning for Florida Baby Boomers: Active Floridians Over 50 Need to Plan for End of Life Now</title>
		<description><![CDATA[Last month, we posted about the reality that most folks do not have life plans in place &#8211; and this is a bad decision for them and their loved ones.  No one wants to think about a health crisis, or death, or being incapacitated for a time, but the truth is that these things happen [...]]]></description>
		<link>http://www.aboutfloridalaw.com/2012/01/05/life-planning-for-florida-baby-boomers-active-floridians-over-50-need-to-plan-for-end-of-life-now/</link>
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		<title>The Short Sale Transaction in Florida: Things That the Seller (and Buyer) Need to Know Before Closing the Short Sale of a Florida Home &#8211; Clouds on Title</title>
		<description><![CDATA[The former chief economist for the National Association of Realtors (1987-97) and the current chief economist for Florida Realtors &#124; Orlando gave his take this week on the current Florida real estate climate in an article written by Orlando Sentinel staff writer Mary Shanklin.  You can read the full article, entitled &#8220;Talking With &#8230; John [...]]]></description>
		<link>http://www.aboutfloridalaw.com/2012/01/03/the-short-sale-transaction-in-florida-things-that-the-seller-and-buyer-need-to-know-before-closing-the-short-sale-of-a-florida-home-clouds-on-title/</link>
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