Who gets what when you get divorced? This is one of the questions most people think about when the topic of divorce comes up. The Answer? Equitable Distribution.
Equitable is not always Equal. Dividing up marital assets and deciding who has to pay which debts can be rather tricky, especially since the real estate crash. Beginning in 2007 and continuing until last year, many homes fell in value. Some Marital Homes lost more than 60% of their pre-crash value. Over 2013 we have begun to see reversals and many homes are once again gaining value and in some cases Equity. Is this the right time to file for Divorce? Call me at 407-645-3297 to set a time to discuss your particular situation. You can always visit my website at www.aubreylaw.com
Dividing Equity can usually be done either by trading other assets, including retirement accounts or buying out the other party's interest. Of course you know Equity is that portion of the value of the home that you own, that value above the mortgages. For example: A $250,000 home with a mortgage of $180,000 and a Home Equity Line of Credit (HELOC) of $20,000 would have Equity of $50,000. Were the owners to sell the home and divide the equity they could each receive $25,000 (Of course this assumes two owners, and no selling costs).
Equitable Distribution begins to get more complicated when the home is "underwater" owing more in mortgages than the actual value of the home. Owing more than a home is worth may lead parties to consider a "Strategic Default."
For example, someone who purchased their home in May, 2007, may owe more than twice what the home is worth. Home values in the Orlando area hit their peak according to Zillow.com (www.zillow.com) between May 2006 and August 2007. A home in the 32801 zip code purchased in May 2007 for $225,000 could be worth as little as $114,000 today due solely to market forces. Who is willing to pay the $200,000 mortgage still owing on the home that is worth so little today.
Strategic Default http://schott.blogs.nytimes.com/2010/03/26/strategic-defaults/ is the homeowners plan to default on the mortgage and stay in the home as long as possible, rent free, until the foreclosure is completed and the bank forces them out. The New York Times had this to say about Strategic Default. http://www.nytimes.com/2010/01/10/magazine/10FOB-wwln-t.html You might think this is an awful thing to do, but the Home Mortgage Bankers Association did the same exact thing in Washington DC. http://dealbook.nytimes.com/2011/02/04/mortgage-groups-old-building-flipped-for-a-profit/
When homeowners face foreclosure, the extra stress can lead them to consider divorce as one alternative. If you are facing divorce, call me or visit my website www.aubreylaw.com
I will be here to help.
Wednesday, September 4, 2013
Friday, August 30, 2013
Happy Labor Day!
Since I will not be in the office on Monday, I wanted to wish you all a Happy Labor Day!
Of course the protests going on Thursday, detailed in the New York Times here: http://economix.blogs.nytimes.com/2013/08/29/marching-at-mcdonalds-for-a-15-wage/?hp
As you probably know, the Labor in Labor Day celebrates those that make the country prosperous. The WORKERS of America have always been the backbone to our greatness.
For the history as written more than a century ago, look here: http://query.nytimes.com/mem/archive-free/pdf?res=F3091EFD3E5911738DDDA80B94D0405B828CF1D3
A few years later, Samuel Gompers, the President of the American Federation of Labor, the AFL in our current AFL-CIO, penned this: http://query.nytimes.com/mem/archive-free/pdf?res=F30612F7355D16738DDDAD0894D1405B808DF1D3
When workers are abused, mistreated and underpaid, Unions begin to look pretty good. The Unions negotiated wonderful employment packages for the Steel Industry, the Auto Industry, and many others that formed the backbone or our manufacturing society right up until the "Union busting 80's" came along and encouraged opposition to unions at all levels of society. You may recall the Air Traffic Controllers' strike that Ronald Reagan oversaw as President of the United States. When he fired all the air traffic controllers, their union was done. Later free trade agreements allowed U.S. industry to move overseas without paying any import duties. The work force in other countries does not have the history of union organization that protects their poorest workers.
Of a more recent vintage: http://www.nytimes.com/2010/09/06/opinion/06mon2.html
Finally, from a school assignment come these questions:
–What does “union” mean?
–Why would an employee want to join a union?
–Why might some employers discourage their employees from joining a union?
–What different types of workers’ unions exist?
–What laws regulate the workplace, and why were they instituted?
–What events in history have illustrated the need to identify and protect the rights of workers?
–How might workers in a union voice that they do not like some of the things happening at a workplace?
–What might happen if a worker in a union goes against a union decision, such as working during a strike?
–How has the development of unions affected the United States economy?
–What issues still exist in the workplace that unions might want to change?
How you answer these questions says as much about your background as it does about the future of our great country.
Have a Happy Labor Day. If you need assistance with legal issues such as Collaborative Divorce, Elder Law, Family Law, or Guardianships, call me or visit my website at www.aubreylaw.com
Of course the protests going on Thursday, detailed in the New York Times here: http://economix.blogs.nytimes.com/2013/08/29/marching-at-mcdonalds-for-a-15-wage/?hp
As you probably know, the Labor in Labor Day celebrates those that make the country prosperous. The WORKERS of America have always been the backbone to our greatness.
For the history as written more than a century ago, look here: http://query.nytimes.com/mem/archive-free/pdf?res=F3091EFD3E5911738DDDA80B94D0405B828CF1D3
A few years later, Samuel Gompers, the President of the American Federation of Labor, the AFL in our current AFL-CIO, penned this: http://query.nytimes.com/mem/archive-free/pdf?res=F30612F7355D16738DDDAD0894D1405B808DF1D3
When workers are abused, mistreated and underpaid, Unions begin to look pretty good. The Unions negotiated wonderful employment packages for the Steel Industry, the Auto Industry, and many others that formed the backbone or our manufacturing society right up until the "Union busting 80's" came along and encouraged opposition to unions at all levels of society. You may recall the Air Traffic Controllers' strike that Ronald Reagan oversaw as President of the United States. When he fired all the air traffic controllers, their union was done. Later free trade agreements allowed U.S. industry to move overseas without paying any import duties. The work force in other countries does not have the history of union organization that protects their poorest workers.
Of a more recent vintage: http://www.nytimes.com/2010/09/06/opinion/06mon2.html
Finally, from a school assignment come these questions:
–What does “union” mean?
–Why would an employee want to join a union?
–Why might some employers discourage their employees from joining a union?
–What different types of workers’ unions exist?
–What laws regulate the workplace, and why were they instituted?
–What events in history have illustrated the need to identify and protect the rights of workers?
–How might workers in a union voice that they do not like some of the things happening at a workplace?
–What might happen if a worker in a union goes against a union decision, such as working during a strike?
–How has the development of unions affected the United States economy?
–What issues still exist in the workplace that unions might want to change?
How you answer these questions says as much about your background as it does about the future of our great country.
Have a Happy Labor Day. If you need assistance with legal issues such as Collaborative Divorce, Elder Law, Family Law, or Guardianships, call me or visit my website at www.aubreylaw.com
Thursday, August 29, 2013
I love the New York Times
Recently on a trip to New York City, I had the opportunity to see a baseball game. The Yankees were NOT in town as is so often the case when I am in NYC, so as I always do, I went to a METS game. The Mets colors match my Florida Gators and they had a promotion going on where you could get a free Jersey for subscribing to the New York Times. The Jersey was Black, with orange and blue trim. My Winter Park High School Wildcats team colors are Black and Orange, the same as my son's school, Tusculum College. Win the Trifecta of Spectator Apparel!
The cost of subscribing to the New York Times was only $17 per month, less than 1/4 of the price of the jersey in the store. Win again!
Now, I get the Sunday NY Times each weekend. I get the daily electronic version http://www.nytimes.com/ of the paper on my computer each day. Win Again!
Best of all, I really Love the New York Times. The articles are well written, informative and in depth. For example, in my Elder Law practice, I often deal with grandparents who have lost touch with their children and grandchildren. An opinion piece today, related one person's experience with similar situations. http://opinionator.blogs.nytimes.com/2013/08/28/forgetting-grandma/ Elders can always find additional assistance with the National Academy of Elder Law Attorneys, NAELA, and in Florida, Florida Academy of Elder Law Attorneys.
Some stories appear just entertaining but as you read them you notice so much more and learn more than you ever planned to consider. http://www.nytimes.com/2013/04/28/fashion/weddings/divorce-whisperer-mediating-with-parents-isnt-easy-field-notes.html
A story just two weeks ago really set me thinking about my Family Law practice. http://www.nytimes.com/2013/08/10/your-money/from-a-divorce-in-the-affluent-class-lessons-for-all.html?pagewanted=all In high asset divorces, the emotional impact may be the same as others, but the financial wrangling can overwhelm parties who are accustomed to little worry over daily finances. I have worked to promote Collaborative Divorce in my area of practice and today saw the benefit first hand as my client walked into court, answered a question from the judge and walked out with her divorce 20 minutes later. Yes, we had filed the case 60 days ago. Yes, there were other meetings between the parties and their attorneys. Yes, there were many complex papers to complete; however, for the clients, we removed most of the stress of being in court and having others decide what would become of their lives. The Clients were the only ones making decisions about their family. The Lawyers, the Judge, the System did NOT decide who got what or paid how much to whom.
Even a simple search on the New York Times finds support for the Collaborative Process. http://query.nytimes.com/search/sitesearch/#/Collaborative+divorce/ More than 30 articles appear, and the list keeps growing, showing the financial, psychological and Family benefits of Collaborative Divorce. Every now and then, I am truly proud of what we do in helping families improve their lives.
I love spending just a few minutes reading the paper each day. Now I have to be careful not to get caught up in following one great article after another in the NY Times. If I can be of assistance to you or your family, please call me at 407-645-3297 or visit my website at www.aubreylaw.com
The cost of subscribing to the New York Times was only $17 per month, less than 1/4 of the price of the jersey in the store. Win again!
Now, I get the Sunday NY Times each weekend. I get the daily electronic version http://www.nytimes.com/ of the paper on my computer each day. Win Again!
Best of all, I really Love the New York Times. The articles are well written, informative and in depth. For example, in my Elder Law practice, I often deal with grandparents who have lost touch with their children and grandchildren. An opinion piece today, related one person's experience with similar situations. http://opinionator.blogs.nytimes.com/2013/08/28/forgetting-grandma/ Elders can always find additional assistance with the National Academy of Elder Law Attorneys, NAELA, and in Florida, Florida Academy of Elder Law Attorneys.
Some stories appear just entertaining but as you read them you notice so much more and learn more than you ever planned to consider. http://www.nytimes.com/2013/04/28/fashion/weddings/divorce-whisperer-mediating-with-parents-isnt-easy-field-notes.html
A story just two weeks ago really set me thinking about my Family Law practice. http://www.nytimes.com/2013/08/10/your-money/from-a-divorce-in-the-affluent-class-lessons-for-all.html?pagewanted=all In high asset divorces, the emotional impact may be the same as others, but the financial wrangling can overwhelm parties who are accustomed to little worry over daily finances. I have worked to promote Collaborative Divorce in my area of practice and today saw the benefit first hand as my client walked into court, answered a question from the judge and walked out with her divorce 20 minutes later. Yes, we had filed the case 60 days ago. Yes, there were other meetings between the parties and their attorneys. Yes, there were many complex papers to complete; however, for the clients, we removed most of the stress of being in court and having others decide what would become of their lives. The Clients were the only ones making decisions about their family. The Lawyers, the Judge, the System did NOT decide who got what or paid how much to whom.
Even a simple search on the New York Times finds support for the Collaborative Process. http://query.nytimes.com/search/sitesearch/#/Collaborative+divorce/ More than 30 articles appear, and the list keeps growing, showing the financial, psychological and Family benefits of Collaborative Divorce. Every now and then, I am truly proud of what we do in helping families improve their lives.
I love spending just a few minutes reading the paper each day. Now I have to be careful not to get caught up in following one great article after another in the NY Times. If I can be of assistance to you or your family, please call me at 407-645-3297 or visit my website at www.aubreylaw.com
Friday, August 23, 2013
Parental Alienation Syndrome -Seminar Sunday- Real Enough for Canada
Every week or so I get an email from the Parental Alienation Awareness Organization, PAAO, with resources for families experiencing Alienation by one parent. Sometimes the information includes very helpful links to outlines ( http://www.paawareness.org/video/BrianLudmer-Short%20.pdf, )seminars (https://www3.gotomeeting.com/register/484691638) , etc.
Sunday August 25, PAAO is hosting an online webinar regarding Parental Alienation entitled: Organize Your Own Court Case.
The Seminar link is https://www3.gotomeeting.com/register/484691638.
I recommend NOT attempting your own litigation in a complex divorce case involving Parental Alienation. The risks are just too high.
Child Custody, or Timesharing as we refer to it in Florida is a critical component of your child's development.
Timesharing also impacts Child Support. It never fails in a Modification Case seeking additional timesharing that the party against whom the pleadings are filed believes the
Many people don't consider the implications on Child Support when they work out their Parenting Plan.
If you have Questions, Call Me! 407-645-3297 or visit my website at www.aubreylaw.com
Sunday August 25, PAAO is hosting an online webinar regarding Parental Alienation entitled: Organize Your Own Court Case.
The Seminar link is https://www3.gotomeeting.com/register/484691638.
I recommend NOT attempting your own litigation in a complex divorce case involving Parental Alienation. The risks are just too high.
Child Custody, or Timesharing as we refer to it in Florida is a critical component of your child's development.
Timesharing also impacts Child Support. It never fails in a Modification Case seeking additional timesharing that the party against whom the pleadings are filed believes the
Many people don't consider the implications on Child Support when they work out their Parenting Plan.
If you have Questions, Call Me! 407-645-3297 or visit my website at www.aubreylaw.com
Thursday, August 22, 2013
Adultery, Blasphemy, Christians and Divorce
A, B, C, D, E, F, G . . . elemenope . . . If only Life were as simple!
A client came to my office recently and told me that her "Christian" mother had called her an Adulterer and kicked her out of the house. We filed her divorce several weeks ago and she was living with her mother following domestic violence in her marital home. Unfortunately, her mother feels she should simply endure the violence because "what God hath brought together, let no man put asunder," to quote the traditional wedding vows blessing.
Blasphemy is defined as either an untruth or taking god's name in vane. I consider using "Christian" language in decidedly unchristian manner as a form of Blasphemy. Obviously her mother was referring to Matthew 5:31, 32 (It was said, 'Whoever sends his wife away, let him give her a certificate of divorce'; but I say to you that everyone who divorces his wife, except for the reason of unchastity, makes her commit adultery; and whoever marries a divorced woman commits adultery.)When someone says, "I want a Christian Attorney." I usually reply, "No you do not." or "I don't think you do." If you wanted a Christian Attorney, you would settle with your adversary far from the courthouse as Jesus himself instructed in other verses in Matthew. "If anyone wants to sue you and take your tunic, let him have your cloak as well. Whoever forces you to go one mile, go with him two." You can do your own research at https://www.bible.com/bible/100/mat.5.nasb
Christians sometimes tend to view Jesus' words as being important. They are, but must be placed in context of the Roman Empire and the Province of Judea where Jesus lived and taught. Roman law allowed a man to put away his wife by divorce for any reason. Women had no such right to seek a divorce as they were mere chattel to be bought or sold by their fathers. Men could divorce their wives, but women could not, even for domestic violence, adultery, neglect, abandonment, etc. Since Women were tied to their father, husband, or son, they were destitute without such patriarchal support.
Divorce has been around for more than 3,000 years, but a Woman's Right to sue for divorce is quite new. Today in Florida, the only reason needed for a marriage is "the Marriage is Irretrievably Broken." When a spouse physically abuses and violates his or her "true love" how can the marriage survive?
Every now and then I see a story in the news that makes me want to help. Some friends have put together a seminar on Domestic Violence. Associated Baptist Press reporter Bob Allen writes: American Baptist Women’s Ministries will lead an online “virtual mission encounter” on the topic of domestic violence Sept. 23-27.
“Garlands instead of Ashes: Domestic Violence” is the third of four learning opportunities in 2013 allowing women to meet online and share their passion for mission without the expense of travel and having to take time off work. http://www.abpnews.com/culture/social-issues/item/8786-domestic-violence-focus-of-virtual-tour#.UhYEYTbD-M8
No person should be forced to live with an abuser, and especially not for "Christian reasons."
If Domestic Violence is a part of your life and you want it to stop, call me at 407-645-3297. I may be able to help, even if I don't like the phrase "Christian Attorney." You can also visit my website at www.aubreylaw.com for more information and links regarding Divorce, Child Support, Alimony, Equitable Distribution, and many other topics. I am an Attorney, licensed in Florida, practicing in the areas of Collaborative Divorce, Elder Law, Family Law, and Guardianships. I have helped numerous husbands and wives seek a fresh start.
A client came to my office recently and told me that her "Christian" mother had called her an Adulterer and kicked her out of the house. We filed her divorce several weeks ago and she was living with her mother following domestic violence in her marital home. Unfortunately, her mother feels she should simply endure the violence because "what God hath brought together, let no man put asunder," to quote the traditional wedding vows blessing.
Blasphemy is defined as either an untruth or taking god's name in vane. I consider using "Christian" language in decidedly unchristian manner as a form of Blasphemy. Obviously her mother was referring to Matthew 5:31, 32 (It was said, 'Whoever sends his wife away, let him give her a certificate of divorce'; but I say to you that everyone who divorces his wife, except for the reason of unchastity, makes her commit adultery; and whoever marries a divorced woman commits adultery.)When someone says, "I want a Christian Attorney." I usually reply, "No you do not." or "I don't think you do." If you wanted a Christian Attorney, you would settle with your adversary far from the courthouse as Jesus himself instructed in other verses in Matthew. "If anyone wants to sue you and take your tunic, let him have your cloak as well. Whoever forces you to go one mile, go with him two." You can do your own research at https://www.bible.com/bible/100/mat.5.nasb
Christians sometimes tend to view Jesus' words as being important. They are, but must be placed in context of the Roman Empire and the Province of Judea where Jesus lived and taught. Roman law allowed a man to put away his wife by divorce for any reason. Women had no such right to seek a divorce as they were mere chattel to be bought or sold by their fathers. Men could divorce their wives, but women could not, even for domestic violence, adultery, neglect, abandonment, etc. Since Women were tied to their father, husband, or son, they were destitute without such patriarchal support.
Divorce has been around for more than 3,000 years, but a Woman's Right to sue for divorce is quite new. Today in Florida, the only reason needed for a marriage is "the Marriage is Irretrievably Broken." When a spouse physically abuses and violates his or her "true love" how can the marriage survive?
Every now and then I see a story in the news that makes me want to help. Some friends have put together a seminar on Domestic Violence. Associated Baptist Press reporter Bob Allen writes: American Baptist Women’s Ministries will lead an online “virtual mission encounter” on the topic of domestic violence Sept. 23-27.
“Garlands instead of Ashes: Domestic Violence” is the third of four learning opportunities in 2013 allowing women to meet online and share their passion for mission without the expense of travel and having to take time off work. http://www.abpnews.com/culture/social-issues/item/8786-domestic-violence-focus-of-virtual-tour#.UhYEYTbD-M8
No person should be forced to live with an abuser, and especially not for "Christian reasons."
If Domestic Violence is a part of your life and you want it to stop, call me at 407-645-3297. I may be able to help, even if I don't like the phrase "Christian Attorney." You can also visit my website at www.aubreylaw.com for more information and links regarding Divorce, Child Support, Alimony, Equitable Distribution, and many other topics. I am an Attorney, licensed in Florida, practicing in the areas of Collaborative Divorce, Elder Law, Family Law, and Guardianships. I have helped numerous husbands and wives seek a fresh start.
Tuesday, August 13, 2013
Ask Your Attorney to Attend!
Modification Workshop – Orlando, FL August 26, 2013
Event Details
Track I: 8 Hour Course (Includes 1 hour ethics) for Mediators: Residential Mortgage Modification Course pursuant to Administrative Order 2013-3 for inclusion on the Bankruptcy Court panel of mediators for the United States Bankruptcy Court, Middle District of FloridaTrack II: 8 Hour Course (Includes 1 hour ethics) for Attorneys, Staff and Law Students: Successful Mortgage Mediation through Bankruptcy
Time
8:30 a.m. – 4:35 p.m.Cost
Early Registration through August 18, 2013Attorney / Mediator: $349.00
Staff: $249.00
Law Students: $150.00
Late Registration begins August 19, 2013
Attorney / Mediator: $399.00
Staff: $299.00
Law Students: $199.00
Flash drive of materials and resource tools are provided. Binder cost is $75.00
Location
UCF Executive Development Center at Ying Academic CenterUniversity of Central Florida
36 West Pine Street
Orlando, Florida 32801
View Larger Map
For parking details, click here: Directions and Parking to EDC 2011
Hotel Information: Crown Plaza Hotel Orlando
Thursday, July 11, 2013
Legal Realities of Complex Litigated Divorce Proceedings
When people want a divorce there are several questions they must consider, the How's, When's Where's, Who's, Why's and What's.
How to tell the spouse? How to tell the children? How to tell the rest of the family? How to go about filing a divorce?
When should I tell my Spouse, children, family, and friends? When should I move out or insist my spouse move out? When should I find a job? When should I consult an attorney?
Where should I live? Where should my children live? Where should we file the divorce?
Who should get an attorney? Who should represent me? Who should know what?
Why do I want a divorce? Why should I stay? Why should I care about all these questions??????
Finally, the What's!
What is the law applied to my case? What do I do if . . .? What will my spouse do? What will everyone think? What will happen to all our savings? What will happen to the china cabinet mom gave me and all its contents we have accumulated? What do I do with my wedding ring?
You want Answers? The Court wants answers. The Courts want answers to Alimony and Child Support. Who will pay and How Much? The Courts want to know who is going to pay attorney's fees. Courts will decide who gets the High Assets or valuable Personal Property. The Court can decide what to do with the Marital Home. There is an easier way!
That is a long list of questions with very few easy answers! Some of the questions I would ask are:
How much time do you want to devote to court proceedings?
When do you want all this to be completed?
Where do you want to end up after all is finalized by the court?
Who will win/lose or decide?
Why does anyone have to let the Judge Decide?
What do you want to happen with your children? Of course my questions are directly related to a Collaborative Divorce, in which the Husband and Wife make all the decisions about the Property, Assets, Timing, and living situations, and the Mother and Father make all the decisions about the children. Some people think this is a Radical idea. Others believe that two people who could not get along well enough to remain married Cannot Possibly Get Along well enough to decide what is best for their family. I Disagree. From years of practice, we in the Collaborative Practice community have witnessed the most intractable situations turn out with everyone in agreement to a reasonable outcome.
Attorneys who are not committed to the collaborative practice and merely offer it alongside their mainly Litigation Practice, do no favors to their clients. Litigated cases are almost always significantly more expensive than Collaborative Cases. Further, Collaborative cases allow you to decide the timeframes for completion. You are not forced to work at the court's convenience, rather, your time schedule is of paramount importance.
Finally, you get to make the decisions affecting your family. By negotiated agreement you and your spouse will decide all issues. That is a radical idea. Call me at 407-645-3297 or visit my website at www.aubreylaw.com or visit the Collaborative Family Law of Central Florida website at www.cfl-cfl..org
Investigate the questions. Get answers to your questions. You have the Power!
How to tell the spouse? How to tell the children? How to tell the rest of the family? How to go about filing a divorce?
When should I tell my Spouse, children, family, and friends? When should I move out or insist my spouse move out? When should I find a job? When should I consult an attorney?
Where should I live? Where should my children live? Where should we file the divorce?
Who should get an attorney? Who should represent me? Who should know what?
Why do I want a divorce? Why should I stay? Why should I care about all these questions??????
Finally, the What's!
What is the law applied to my case? What do I do if . . .? What will my spouse do? What will everyone think? What will happen to all our savings? What will happen to the china cabinet mom gave me and all its contents we have accumulated? What do I do with my wedding ring?
You want Answers? The Court wants answers. The Courts want answers to Alimony and Child Support. Who will pay and How Much? The Courts want to know who is going to pay attorney's fees. Courts will decide who gets the High Assets or valuable Personal Property. The Court can decide what to do with the Marital Home. There is an easier way!
That is a long list of questions with very few easy answers! Some of the questions I would ask are:
How much time do you want to devote to court proceedings?
When do you want all this to be completed?
Where do you want to end up after all is finalized by the court?
Who will win/lose or decide?
Why does anyone have to let the Judge Decide?
What do you want to happen with your children? Of course my questions are directly related to a Collaborative Divorce, in which the Husband and Wife make all the decisions about the Property, Assets, Timing, and living situations, and the Mother and Father make all the decisions about the children. Some people think this is a Radical idea. Others believe that two people who could not get along well enough to remain married Cannot Possibly Get Along well enough to decide what is best for their family. I Disagree. From years of practice, we in the Collaborative Practice community have witnessed the most intractable situations turn out with everyone in agreement to a reasonable outcome.
Attorneys who are not committed to the collaborative practice and merely offer it alongside their mainly Litigation Practice, do no favors to their clients. Litigated cases are almost always significantly more expensive than Collaborative Cases. Further, Collaborative cases allow you to decide the timeframes for completion. You are not forced to work at the court's convenience, rather, your time schedule is of paramount importance.
Finally, you get to make the decisions affecting your family. By negotiated agreement you and your spouse will decide all issues. That is a radical idea. Call me at 407-645-3297 or visit my website at www.aubreylaw.com or visit the Collaborative Family Law of Central Florida website at www.cfl-cfl..org
Investigate the questions. Get answers to your questions. You have the Power!
Monday, June 24, 2013
Frequently Asked Questions: Mortgage Modification Mediation
For the past year, I have been involved in a company which trains attorneys to defend Foreclosures through Bankruptcy and the Mortgage Modification Process.
While normally mediations in foreclosure proceedings are not very successful, (less than 5 percent result in loan modifications or the owner being able to remain in the home) we have seen great success through a relatively new bankruptcy court proceedure requiring Mediation. In the Orlando area, more than 70 percent of homeowners have been able to modify their mortgages and keep their homes through this program.
Yes, you read that correctly, higher than 70 % success rate through Mortgage Mediation in Bankruptcy in the Orlando Division of the Middle District of Florida!
While the program is taylored toward bankruptcy, any attorney can benefit from the training provided. To learn more, visit www.mortgagemodificationeducation.com or call me at 407-645-3297.
Now for those FAQs:
Do I have to file bankruptcy to save my home? No, but you must not rule out this alternative.
Why do the banks make it so hard to get a modification? Banks and their underwriters have VERY STRICT Guidelines to qualify a home mortgage for modification.
Why does the bank want to foreclose my home? The bank DOES NOT WANT YOUR HOME. The bank wants a PERFORMING LOAN. In fact the bank must meet very specific guidelines once the foreclosure is completed in selling the home which results in significant lost value. For this reason, banks attorneys are very reluctant to move foreward with the foreclosure and will even resist completing the foreclosure on anything other than their own timeframe.
Is it too late to save my home? Not if the Foreclosure is still pending. However, once the home is sold at auction, and title is issued by the court, you probably cannot save the home. However, you may be allowed to negotiate your leaving on favorable terms with the new owner.
Should I hire an attorney to represent me? Yes, but be very careful that the attorney is familiar with the Mortgage Mediation Program of the Bankruptcy Court. Avoid simple Foreclosure Defenses as they seldom result in Modification of the Mortgage allowing you to remain in the home.
For additional information, visit www.mortgagemodificationeducation.com my website at www.aubreylaw.com or call me at 407-645-3297.
I look forward to speaking with you! Aubrey
While normally mediations in foreclosure proceedings are not very successful, (less than 5 percent result in loan modifications or the owner being able to remain in the home) we have seen great success through a relatively new bankruptcy court proceedure requiring Mediation. In the Orlando area, more than 70 percent of homeowners have been able to modify their mortgages and keep their homes through this program.
Yes, you read that correctly, higher than 70 % success rate through Mortgage Mediation in Bankruptcy in the Orlando Division of the Middle District of Florida!
While the program is taylored toward bankruptcy, any attorney can benefit from the training provided. To learn more, visit www.mortgagemodificationeducation.com or call me at 407-645-3297.
Now for those FAQs:
Do I have to file bankruptcy to save my home? No, but you must not rule out this alternative.
Why do the banks make it so hard to get a modification? Banks and their underwriters have VERY STRICT Guidelines to qualify a home mortgage for modification.
Why does the bank want to foreclose my home? The bank DOES NOT WANT YOUR HOME. The bank wants a PERFORMING LOAN. In fact the bank must meet very specific guidelines once the foreclosure is completed in selling the home which results in significant lost value. For this reason, banks attorneys are very reluctant to move foreward with the foreclosure and will even resist completing the foreclosure on anything other than their own timeframe.
Is it too late to save my home? Not if the Foreclosure is still pending. However, once the home is sold at auction, and title is issued by the court, you probably cannot save the home. However, you may be allowed to negotiate your leaving on favorable terms with the new owner.
Should I hire an attorney to represent me? Yes, but be very careful that the attorney is familiar with the Mortgage Mediation Program of the Bankruptcy Court. Avoid simple Foreclosure Defenses as they seldom result in Modification of the Mortgage allowing you to remain in the home.
For additional information, visit www.mortgagemodificationeducation.com my website at www.aubreylaw.com or call me at 407-645-3297.
I look forward to speaking with you! Aubrey
Tuesday, June 18, 2013
"Family Circus" Best - Not in Court
One of my favorite cartoons is Family Circus. One of my favorite cartoons included the following exchange between the characters 3 year old and 6 year old siblings:
Why are you crying?
Mom and Dad are yelling at each other.
But at least they are not yelling at you!
I know, but if they were yelling at me, at least I'd understand it!
Family conflict is difficult for children to understand. When parents fail to communicate, or communicate in abusive ways, children suffer the most, primarily because they do not understand. They try to understand Love through their parents' teaching, but when parents resort to yelling, children become stressed because they do not understand!
Mommy and Daddy love each other.
Mommy and Daddy love me.
Mommy and Daddy are yelling at each other.
Mommy and Daddy will yell at me.
So goes childhood logic. Children resort to acting out. Parents resort to discipline. The Spiral of Conflict has begun. Where will it end?
Collaborative Divorce seeks to place two parents on equal terms for communication with a trained guide to assist in adult, two-way communication. Many parents say they communicate better after a Collaborative Divorce than they Ever Did in the marriage.
What a shame we cannot get the communications right before the Marriage is endangered.
When you have questions regarding a Collaborative Divorce, Call me!
I will teach you effective ways to communicate.
Mommy and Daddy love each other.
Mommy and Daddy love me.
Mommy and Daddy are yelling at each other.
Mommy and Daddy will yell at me.
So goes childhood logic. Children resort to acting out. Parents resort to discipline. The Spiral of Conflict has begun. Where will it end?
Collaborative Divorce seeks to place two parents on equal terms for communication with a trained guide to assist in adult, two-way communication. Many parents say they communicate better after a Collaborative Divorce than they Ever Did in the marriage.
What a shame we cannot get the communications right before the Marriage is endangered.
When you have questions regarding a Collaborative Divorce, Call me!
I will teach you effective ways to communicate.
Tuesday, June 11, 2013
How to Contact an Attorney
Today I received an Email:
How would you like to be contacted?
Email
Brief description of your legal issue:
Price range for divorce. Older couple, married 9 years, No children, Income husb works in construction wife receiving SS only. Homeowner, property value is upside down. owe more that is worth. No 401K or savings, living pay check to paycheck. How much will it cost to get a divorce and how long will it take for the divorce to become final. Thanks,
This email was initiated at the Findlaw FirmSite http://www.aubreylaw.com/Contact.shtml.
This is the letter I sent in response:
Dear Ms. _____________,
If you and your husband agree to divorce, and agree to divide all assets, your divorce could be very inexpensive. With agreements, you could be divorce in as little as 21 days. On the other hand, if you cannot agree, and the two of you fight it out in court, your divorce could take a very long time and take significantly more of your resources to complete.
I charge $1,500 for an Uncontested Divorce. A Contested matter begins at $3,000. Fees for filing are also required, $408 filing fee and approximately $42 in service of process charges.
Your divorce sounds as if it should be uncontested; it could also be completed in a Collaborative PRocess, where the two of you meet with advisers and work out the details, then file as "Uncontested." If you choose a collaborative process, I would represent you for $1,500, but there may be some additional charges for excess time spent in meetings.
Please call my office to schedule an appointment.
How would you like to be contacted?
Brief description of your legal issue:
Price range for divorce. Older couple, married 9 years, No children, Income husb works in construction wife receiving SS only. Homeowner, property value is upside down. owe more that is worth. No 401K or savings, living pay check to paycheck. How much will it cost to get a divorce and how long will it take for the divorce to become final. Thanks,
This email was initiated at the Findlaw FirmSite http://www.aubreylaw.com/Contact.shtml.
This is the letter I sent in response:
Dear Ms. _____________,
If you and your husband agree to divorce, and agree to divide all assets, your divorce could be very inexpensive. With agreements, you could be divorce in as little as 21 days. On the other hand, if you cannot agree, and the two of you fight it out in court, your divorce could take a very long time and take significantly more of your resources to complete.
I charge $1,500 for an Uncontested Divorce. A Contested matter begins at $3,000. Fees for filing are also required, $408 filing fee and approximately $42 in service of process charges.
Your divorce sounds as if it should be uncontested; it could also be completed in a Collaborative PRocess, where the two of you meet with advisers and work out the details, then file as "Uncontested." If you choose a collaborative process, I would represent you for $1,500, but there may be some additional charges for excess time spent in meetings.
Please call my office to schedule an appointment.
Aubrey Ducker
The Law Offices of
Aubrey Harry Ducker, Jr. PLC
2020 Mizell Avenue
Winter Park, FL 32792
Fla. Bar No.: 173680
Phone: 407-645-3297
Fax: 407-645-3298
I look forward to hearing from you.
I look forward to hearing from you.
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