For many people, owning their own home is a lifelong dream. When you find the right property for you and your family, it may be one of the most significant purchases you ever make. But what if you fall behind on your mortgage payments? Home foreclosure is increasingly common in these tough economic times. However, there is hope. Mortgage modification could enable you to lower your mortgage payments by:
At Perry G. Gruman, P.A., we guide you through the loan modification process, identifying the best mortgage rates and helping you save your home.
- Reducing your mortgage rate
- Extending the length of your loan
- Adding past-due payments into the back end of your loan
Attorney Perry Gruman has in-depth knowledge of all aspects of real estate law and practical, hands-on experience dealing with residential and commercial real estate issues. Along with his brother Eric, he founded a title company in 1997. Their business, Peer Title, Inc., provides complete real estate title and closing services for residential and commercial properties.
As our economy continues to lag, more and more properties are facing foreclosure. One option that may help you avoid foreclosure is the short sale. Properties sold through short sales are typically sold at a loss to the lender, so the short sale must be agreed upon by both parties. Whether you are considering selling or purchasing a home through a short sale, it is important to consult with an experienced Tampa real estate attorney.
Estate planning is one of the best ways to make sure everything you have acquired throughout your life is distributed according to your wishes. A clear, concise and legally sound will or trust can help ensure your beneficiaries are protected after you are gone. At the Gruman Tampa Probate Law Firm, we help you prepare for the unknown through:
We explain the benefits and drawbacks of each tool as it relates to the size of your estate and the type of assets involved, and then we advise you on the most effective way to protect your legacy through estate planning.
At the Tampa law office of Perry G. Gruman, P.A., we help clients file for Chapter 7, Chapter 11 and Chapter 13 bankruptcy.
Known to many as straight bankruptcy, Chapter 7 is a basic liquidation process for individuals and businesses. It allows filers to discharge most debts and is most effective in eliminating unsecured debt, including:
- Credit card debt
- Deficiency balances due to auto repossession
- Medical bills
Chapter 7 is an efficient way to clear your debts, but those considering Chapter 7 must pass a means test that proves their average monthly income falls within certain guidelines. If you are approved to file for Chapter 7, a bankruptcy trustee converts your non-exempt property into cash and then distributes it to your creditors. It usually takes approximately four months to receive a discharge of all eligible debts.
This chapter is mainly used by business debtors but is occasionally used by individuals who have substantial debts and assets. Chapter 11 allows businesses to continue operating while reorganizing and paying off their debt.
Under Chapter 13 bankruptcy, your various debts are consolidated into one payment you make according to a three- to a five-year payment plan. The amount of each payment and the length of the payment plan is based on your income rather than your assets. Each payment is made to a Chapter 13 trustee who then disburses payments to your individual creditors.
Chapter 13 is an excellent option if you have a non-exempt property you would like to keep and a reliable income that allows you to pay your daily expenses while paying off your debt. Filing for Chapter 13 stops foreclosure actions and can enable you to refinance any existing auto loans. If you think Chapter 13 may be right for you, we can help.
The Florida Consumer Collections Practices Act (FCCPA) and the Fair Debt Collection Practices Act (FDCPA) protect consumers from harassment by bill collectors. Common violations of the FCCPA and FDCPA include:
- Calling debtor at work
- Contacting debtor who has retained an attorney
- Refusing to cease contact
- Contacting third parties
- Collecting money not owed
Unfortunately, these are just a few of the ways debt collectors harass consumers. Some collection agencies use these techniques to intimidate and harass debtors on a regular basis. They have one goal and one goal only: to collect on your debt. They rely on your fear and lack of knowledge about consumer protection laws to ensure you do not report them for FCCPA and FDCPA violations.
Protecting you from abusive bill collectors
If you or a family member has experienced any of these tactics, your rights have been violated. You need a skilled Florida debt harassment lawyer to help. At the Tampa debt harassment law firm of Perry G. Gruman, P.A., we have a deep understanding of federal and state laws as they pertain to bankruptcy, debt relief, and consumer protections. We use that breadth of knowledge and Attorney Gruman’s 27 years of legal experience to protect you and your loved ones from the unlawful practices of debt collectors.
Other Practice Areas
Legal issues involving family law and personal injury law are often among the most stressful. You need an attorney you can trust to listen to the details of your situation without judgment and provide the knowledgeable, experienced legal counsel you need.
Family law attorneys handle matters such as:
- Alternative dispute resolution
- Child custody and support
- Domestic violence
- Father’s rights
- Marital property rights
- Post-nuptial agreements
- Prenuptial agreements
- Property settlement
- Spousal support
- Visitation rights
Personal injury lawyers represent clients in a range of cases, including the involving:
- Motor vehicle accidents
- Premises liability (slips and falls)
- Dog Bites
- Products liability(defective products)
- Medical malpractice
- Nursing home negligence
- Traumatic brain injuries
- Wrongful death
Contact Us Today
If you or a loved one is in need of a Tampa Probate Law Firm or any other legal issues, call our office at 813-870-1614 or contact us online to discuss your issue. We look forward to speaking with you. Se habla español.