foreclosure attorney: FORECLOSURE DEFENSE FALLACY - 10/26/08 10:40 AM
If you are a listingRealtor or a person who has just gotten foreclosure notice from your lender(s), no doubt you have heard about a myriad of "Foreclosure Defense" firms that promise to delay or prevent foreclosure or even prevent the enforcement of the mortgage because if irregularities in the loan.  What … (9 comments)

foreclosure attorney: TOP TEN LIST OF SHORT SALE OBSERVATIONS - 10/05/08 12:56 PM
OK all you short sale Realtors - Here is my list of the top ten short sale rules when dealing with sellers and buyers.  What is your top ten list for YOUR favorite category involved in the short sale process (lender, buyer, seller, buyer Realtor, Seller Realtor, processor, loss mitigator and … (12 comments)

foreclosure attorney: A-T-T-O-R-N-E-Y Spells T-R-O-U-B-L-E in Short Sale - 05/03/08 10:11 PM
Sad Facts about Attorney Misconduct in a Short Sale
Being an attorney carries a heavy burden when representing a client.  Watch any case for attorney misconduct that goes to a criminal trial and you will see the attorney usually get the most severe penalty.  This is because the attorney is held to … (19 comments)

foreclosure attorney: CALLING ALL ETHICAL LOAN OFFICERS - HELLO? ANYONE THERE? - 04/09/08 09:23 PM
Calling All Ethical Loan Officers - Hello?  Anyone There?
Every day I field questions about short sales, foreclosures and real estate investing.  I represent developers, lenders, buyers, sellers, the sharks and the lambs.  All have different work for me and all need different solutions.  Today a call came in that was as … (10 comments)

foreclosure attorney: STEP BACK OBSERVATIONS - FOREST FROM THE TREES - A RAMBLE - 03/28/08 08:56 PM
What a week!
Mortgage foreclosure White Knights targeted by the Florida Attorney General (no surprise there - just why did it take so long?!!!)
CNN special report on the Mortgage Meltdown and it being second only to the Great Depression.
Record foreclosures expected to continue to break records through 2008 and into 2009.
But heck … (0 comments)

foreclosure attorney: Six Months To Bottom? - 03/28/08 11:33 AM
See this new article on when and what of the South Florida real estate market dropping to the basement.
Things are definitely following the normal 8 to 11 year cycle of peaks or valleys  (the cycle is peak to peak or valley to valley - depending on where you are at any … (7 comments)

foreclosure attorney: Negotiated Payback or Foreclosure Judgment Deficiency? Compared - 03/06/08 08:52 PM
I was negotiating on a very large problem mortgage today with a high-up executive at the servicing firm.  He made a comment that I thought peculiar and I called him to task on the matter.
The comment was that "after the foreclosure sale, lenders seldom bother to get a court ordered … (57 comments)

foreclosure attorney: No-Conflict Considerations in Short Sale Fees - 02/17/08 09:46 PM
No-Conflict Considerations in Short Sale Fees
As short sales and pre-foreclosure assistance servicers proliferate, the type, style and amount of fees that these individuals and companies charge has become ingenious and varied.  This article discusses the rights and wrongs regarding the most popular of the charging methods.
A short sale and pre-foreclosure servicer … (1 comments)

foreclosure attorney: Who Says Owner Doesn't Have Time To Do a Short Sale? - 01/27/08 02:37 PM
Some writers to my blogs have commented that "they don't have time to do a short sale".  The reasons they think they don't have time can vary - usually it is because they are already in a mortgage foreclosure, and some said that they are leaving the area to a new … (11 comments)

foreclosure attorney: RECOVERY IN 2009??? - 01/08/08 09:23 PM
CNN posted this article today on the "housing meltdown" and that price rebound will get a full year under its belt until 2009.  CNN ARTICLE
I don't know if this is really new news.  On AR we have been seeing this statement for months in various blogs, and my own opinion in … (5 comments)

foreclosure attorney: Foreclosures Triple - AGAIN!?! - 01/03/08 07:25 AM
Another article in the Palm Beach Post this morning says that foreclosures here have tripled from the same period last year.
It also says that the important "ratio" of home price to household income is double what is considered affordable and normal.
In Palm Beach County foreclosure rate is a STAGGERING 1 in … (4 comments)

foreclosure attorney: SHORT SALE TRILOGY - 01/01/08 08:05 PM
We get at least one call a day at my office on short sales.  It is really amazing how many people - professionals as well as potential sellers - do not even know what the term "short sale" means.  This blog assumes you have actually worked a short sale already -- … (2 comments)

foreclosure attorney: Mortgage Forgiveness Debt Relief Act of 2007- Another Look - 01/01/08 12:15 PM
I have been getting a lot of calls and emails about the Mortgage Forgiveness Debt Relief Act of 2007.  The new law became effective today, and applies to 1099's on short sales or foreclosures retroactive to January 1, 2007.
Before the Act was passed, one of the rewards for a homeowner helping … (1 comments)

foreclosure attorney: MORTGAGE RELIEF ACT - CHRISTMAS PRESENT TO PRIMARY HOMEOWNERS - 12/24/07 02:40 PM
On Thursday the President signed into law - effective New Years Day, the Mortgage Forgiveness Debt Relief Act of 2007.
For those of you that aren't up to speed on the downside of a short sale, if the bank lends you $100 and you end up only having to pay back $75, then … (5 comments)

foreclosure attorney: MORTGAGE FORGIVENESS ACT 2007 - HUGE BENEFIT TO SHORT SELLERS!!!! - 12/22/07 09:01 AM
On Thursday the President signed into law - effective New Years Day, the Mortgage Forgiveness Debt Relief Act of 2007.
For those of you that aren't up to speed on the downside of a short sale, if the bank lends you $100 and you end up only having to pay back $75, then … (2 comments)

foreclosure attorney: MORTGAGE FORGIVENESS ACT 2007 - HUGE BENEFIT TO SHORT SELLERS!!!! - 12/22/07 09:00 AM
On Thursday the President signed into law - effective New Years Day, the Mortgage Forgiveness Debt Relief Act of 2007.
For those of you that aren't up to speed on the downside of a short sale, if the bank lends you $100 and you end up only having to pay back $75, then … (3 comments)

foreclosure attorney: MORTGAGE FORGIVENESS ACT 2007 - HUGE BENEFIT TO SHORT SELLERS!!!! - 12/22/07 07:55 AM
On Thursday the President signed into law - effective New Years Day, the Mortgage Forgiveness Debt Relief Act of 2007.
For those of you that aren't up to speed on the downside of a short sale, if the bank lends you $100 and you end up only having to pay back $75, then … (12 comments)

foreclosure attorney: MORTGAGE FORGIVENESS ACT 2007 - HUGE BENEFIT TO SHORT SELLERS!!!! - 12/22/07 07:54 AM
On Thursday the President signed into law - effective New Years Day, the Mortgage Forgiveness Debt Relief Act of 2007.
For those of you that aren't up to speed on the downside of a short sale, if the bank lends you $100 and you end up only having to pay back $75, then … (0 comments)

foreclosure attorney: MORTGAGE FORGIVENESS ACT 2007 - HUGE BENEFIT TO SHORT SELLERS!!!! - 12/22/07 07:53 AM
On Thursday the President signed into law - effective New Years Day, the Mortgage Forgiveness Debt Relief Act of 2007.
For those of you that aren't up to speed on the downside of a short sale, if the bank lends you $100 and you end up only having to pay back $75, then … (0 comments)

foreclosure attorney: MORTGAGE FORGIVENESS ACT 2007 - HUGE BENEFIT TO SHORT SELLERS!!!! - 12/22/07 07:52 AM
On Thursday the President signed into law - effective New Years Day, the Mortgage Forgiveness Debt Relief Act of 2007.
For those of you that aren't up to speed on the downside of a short sale, if the bank lends you $100 and you end up only having to pay back $75, then … (5 comments)

 
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Richard Zaretsky, Florida Real Estate Attorney

West Palm Beach, FL

More about me…

Richard P. Zaretsky P.A.

Address: 1655 Palm Beach Lakes Blvd, Suite 900, West Palm Beach, Fl, 33401

Office Phone: (561) 689-6660 x 107

Email Me

Legal true life experiences, general observations and commentaries for Realtors, Lawyers and Mortgage Brokers - also see our Palm Beach County Short Sales group blog.


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