MIAMI FORECLOSURE DEFENSE, BANKRUPTCY & REAL ESTATE ATTORNEYS
The Law office of Dominguez & Associates regularly advises clients in foreclosure prevention & litigation strategies, Bankruptcy proceedings, and a variety of real estate matters including the purchase and sale of residential properties. Mr. Cesar J. Dominguez, the principal lawyer of the firm, also earned a Master of Business Administration (MBA) degree. His formal legal training and business education backed by years of practical business experience negotiating with banking institutions, real estate brokers, and mortgage companies provides the basis for his practice in foreclosure defense, Bankruptcy, and real estate transactions & litigation matters.
Foreclosure Defense
Reality of Foreclosure
We know what you are going through. You've had more than your share of difficulties the last few months. The good news is that you are not alone. The Law Office of Dominguez & Associates, P.A. can help. We understand that good people sometimes need a second chance. Most foreclosures are a result of an unexpected life event, such as:
- Death in the Family
- Difficult and costly Divorce
- Lost a job or had to Change Jobs
- Health problems with Expensive Medical Bills
- Maybe you're struggling with increased utility prices or fuel expenses or an adjustable rate mortgage (ARM) that is unbearable.
- Maybe you've already had to file bankruptcy or get a forbearance and the repayment plan is not working out.
- Maybe this is all a big mistake and the payments you've been sending were rerouted or lost because your mortgage has been sold or traded.
Foreclosure Process
The foreclosure process can be complicated and confusing. That is why having an experienced foreclosure attorney can aid in your ability to fully exercise your rights. The foreclosure process starts with a notice of default. This begins a time period in which action may be taken to prevent the foreclosure. Once such time period expires, you will receive a notice of trustee sale. This gives an individual some time to stop the foreclosure.
That is where our experienced foreclosure lawyer can assist you. We know the system and how banks operate. We will negotiate a Work-Out Agreement with your lender to reschedule your loan payments, modify payment terms by extending the original maturity, to lower the interest rate and so on. We have many options available to you that can help you repay those arrearages without putting you in a financial pinch. We can specifically tailor a solution to best fit your financial needs, and negotiate such terms and conditions with your lender.
Bankruptcy
At the Law Office of Dominguez & Associates, our experienced foreclosure defense and Bankruptcy lawyer will work with your lender to reach an agreement regarding your loan. Our clients appreciate the high-quality legal advice we provide and our practical approach to resolving their real estate and financial concerns. However, if a Work-Out Agreement does not fit your needs, or if your lender rejects such agreement, then filing for Bankruptcy is the right option for you.
Chapter 7 Bankruptcy- Chapter 7 bankruptcy is a federal court procedure in which debtors are able to eliminate most types of unsecured debt. Chapter 7 Bankruptcy is often called the liquidation bankruptcy and aims to give individuals a fresh start.
Chapter 13 Bankruptcy- Chapter 13 bankruptcy is a federal court process in which debtors are able to repay all or some of their debts through an interest-free payment plan over a 3 or 5 year period. Chapter 13 bankruptcy is often called the reorganization or repayment bankruptcy.
While confidently handling many Chapter 7 bankruptcy and Chapter 13 bankruptcy matters, the Law Office of Dominguez & Associates, provides guidance and advice to clients regarding foreclosures and creditor harassment. We strive to help clients understand their rights and how to effectively deal with these issues.
Real Estate transactions and litigation
Our firm helps residential real estate clients develop and execute effective real estate agreements. We help people in purchases and sales of residential real estate and provide well-grounded legal guidance for clients. Our real estate attorney handles all types of transactions:
- real estate purchase agreements – review and drafting of contracts; representing buyers, sellers, brokers, and investors
- lease agreements – effective rental agreements for owners and renters; residential properties, office buildings, strip malls
- 1031 exchanges – like kind property exchanges to defer capital gains taxes
- conveyances – transfer of real property, quit claims
- construction agreements – between general contractors and homeowners
To learn more, please contact us to schedule your free initial consultation.
|