Gary H. Baker, P.A.
Attorney and Counselor at law
Representing Consumer Debtors in Bankruptcy, Foreclosure and Collections
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Today’s economic realities have caused many Mr. Baker is well versed in Florida foreclosure law and is even a certified foreclosure mediator. You have only 20 days to respond Don't wait. Now is the time to consult with a qualified attorney. More options are available the earlier you deal with the problem. Aggressively fight for your home.Gary H. Baker, P.A. can help you understand your options
(727) 561-0066
Foreclosure Defenses may be available - BUT you need to act quickly
Ø If you have been served with foreclosure papers
Ø If you have not yet been served with
Ø Don’t live in fear of foreclosure.
Consult with an attorney NOW.
Know your options.
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Mr. Baker is knowledgeable in many areas of the law affecting consumer debtors. Gary H. Baker, P.A. represents consumers in Foreclosure defense, Short Sale Negotiations, Deed in Lieu Negotiations, and Mortgage Modification. Mr. Baker also handles chapter 7 bankruptcy and chapter 13 bankruptcy. With over 35 years of experience, Mr. Baker can review your situation and help with your options.
More and more, we are seeing clients who don't want to stay in their homes or can not afford to stay in their homes. Many of these families need help with their options, and need to understand the legal ramifications and liabilities of their choices. Gary H. Baker, P.A. can help with these answers and many more.
If you are having trouble paying your mortgage (even if you have not yet been served with foreclosure papers) please call us to schedule a consultation. You do have options and it's important to understand them. At Gary H. Baker, P.A. we take a very personal approach to our client's problems. We will take the time to listen and to provide you with the information you need to make informed decisions. _________________________________________________________
To schedule your free consultation call (727) 561-0066 or e-mail us now
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For more information on these topics please continue reading below
· Foreclosure
· Short Sale
· Deed in Lieu of Foreclosure
· Deficieny Judgment
For more information on these topics please click the link to be taken to the proper page
· Mortgage Modification
· Chapter 7 Bankruptcy
· Chapter 13 Bankruptcy
The Florida
- A borrower defaults on their mortgage
- The lender files a foreclosure law suit
- The lender notifies you of the law suit (usually through a process server)
- You have a limited amount of time (usually only 20 days) to respond
- If you don't respond the Lender will obtain a Default Judgment
- The Lender can then obtain a Summary Judgment of Foreclosure
- And can then schedule your home to be sold at a Foreclosure sale
The earlier you consult with an attorney in this process the more options & defenses you may have.
Short Sale
A short sale occurs when real estate is sold for an amount less than the outstanding balance on the mortgage. Both the borrower and the lender must agree to the short sale process and the lender has the final authority to accept or reject an amount offered for the property.
A short sale does not necessarily mean you are “off the hook” as far as your debt to the lender. You may still owe the bank a deficiency amount and the lender can pursue this deficiency in a number of ways.
You need to know the consequences of a short sale. Consult with a qualified attorney who has experience with short sales and who can provide you with information on all of the possible remedies.
Deed in Lieu of Foreclosure
A deed in lieu of foreclosure is a legal agreement whereby a borrower voluntarily turns the mortgaged property over to the lender. Both parties must agree to the terms.
Not all lenders will agree to a deed in lieu of foreclosure and the terms of these agreements vary. Hiring a qualified attorney to represent you in this process can help ensure that all of the details are handled a
Deficiency Judgment
When the sale of a property does not provide satisfaction of the mortgage indebtedness, the lender may be able to obtain a deficiency judgment against the former borrower. This holds the former mortgagor responsible for the balance of the uncollected mortgage debt.
Deficiency judgments can be the result of a foreclosure sale, short sale or even a deed in lieu agreement. Before you decide what to do with your "under water" or "upside down" property consult with an attorney. For some consumers, bankruptcy can provide protection from a deficiency judgment. However, you need to plan ahead and protect yourself.
Not sure where you are headed? Consult with an attorney who specializes in consumer debts and explore all of your options. Many of our clients are surprised to know that they even have options. At Gary H. Baker, P.A. we understand that debt problems (especially those involving your home) are stressful, and we don't think anyone should live in fear because of their credit problems. We also believe, that the most important service that we can provide to our clients is information. Call us to schedule a free consultation. _________________________________________________________
· Sale, Purchase, or Lease of Property · Title Insurance
Mr. Baker can also offer representation in these other commercial and residential real estate areas:
· Real Estate Disputes
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_______________________________________________________________________________ Home ¨ Bankruptcy ¨ Foreclosure ¨ Collections ¨ Mortgage Modification ¨ Resources ¨ About Us ¨ Contact Us
Gary H. Baker, P.A.
Clearwater, Florida 33762
Call us Today to Schedule your Free Consultation!
(727) 561-0066
or send us an e-mail: info@BakerDebtRelief.com
Clearwater Office New Port Richey Office St. Petersburg Office
3001 Executive Drive, Suite 390 2154 Seven Springs Blvd., Suite 102 724-B Second Avenue South
Clearwater, Florida 33762 New Port Richey, Florida 34655 St. Petersburg, Florida 33701
(727) 561-0066 (727) 376-3180 (727) 561-0066
We file Bankruptcies in the Middle District of Florida Bankruptcy Court. From our offices in Clearwater (Headquarters), New Port Richey and St. Petersburg we serve clients throughout the Tampa Bay area including: Pinellas County - Clearwater, St. Petersburg, Largo, Pinellas Park, Palm Harbor, Tarpon Springs; Pasco County - New Port Richey, Trinity, Port Richey, Holiday, Hudson, Zephyrhills, Dade City; Hillsborough County - Tampa, South Tampa, Carrollwood, Odessa, Plant City, Riverview; as well as clients in Polk and Hernando counties.
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We are a debt relief agency. We help people file for bankruptcy under the United States Bankruptcy Code.
The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.