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Sunday, December 20, 2015
The Fernandez Law Group: Monthly Newsletter - December 2015
Personal injury is a legal term for an injury to the body, mind or emotions, as opposed to an injury to property. The term is most commonly used to refer to a type of tort lawsuit alleging that the plaintiff's injury has been caused by the negligence of another, but also arises in defamation torts. 
Different Types of Negligence Resulting in Auto Accidents:
Our 
1. Loss of Job
Monday, November 30, 2015
Fernandez Law Group: Monthly Newsletter - November 2015
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When accidents happen as the result of another person's negligence, the cost of treating injuries are relatively high and the victims are entitled to compensation from the wrong doer. 
Florida Bail and Bond Hearing Attorneys:
The cost of foreclosure defense with our firm is affordable even for homeowners in the worst economic position, and a much more affordable option than being foreclosed upon and leaving the home. We will assist you in preserving all of the legal options available to you through the judicial process of foreclosure, and fight to keep you in your home. Get your Adult Criminal Record Sealed or Expunged in Florida
If you, a child, family member, or anyone close to you has ever been arrested, convicted, or both; then you know how difficult the consequences can be later on in life.
Often times it can hinder progress for those who are trying to move on and improve their lives. Landlords may deny leasing or renting and employers may skip over your application for someone with a clean record.
At the Fernandez Law Group, we have more than 43 years experience handling criminal cases.
How can Fernandez Law Group help me get my record sealed or expunged?
Our team of attorneys understand these circumstances can be difficult for anyone to face. Fortunately, Florida law provides an option for qualifying individuals to have certain criminal arrest records sealed or expunged if those records stem from a single arrest or incident.
The process is rather complicated and the requirements as per Florida Statutes are very complex. Aside from having a knowledge of the process, many people have difficulty understanding what types of records can be sealed or expunged, and whether or not they qualify. Hiring a criminal defense attorney can really go a long way in helping you achieve this goal - and we have a new solution that's affordable for anyone.
Built off of our many years of experience and success in helping Florida residents get their records sealed or expunged, we have developed a streamlined program to help you through the entire process. We will complete all of the necessary paperwork, file the required petitions and appear in court on your behalf as needed. We understand what your rights are under Florida law and will aggressively represent your best interests at all times.
Take advantage of our FREE consultation - We will discuss the entire process with you, and present all costs and fees associated with this service to you up front. There will be no hidden fees or surprises. Find out if you qualify to have your record sealed or expunged at no up front cost to you. Our attorneys are ready to give you an overview of the process and determine your eligibility today.
When someone searches for my name online, will they learn about my arrest?
Not only can we help you get your record sealed or expunged, we also take it a step further with by providing mugshot removals from websites and having your online reputation cleaned up in other areas that could affect employment or rental and lease agreements. Any unwanted content associated with your name is removed from search engine results through proprietary methodologies.
This reputation repair service ensures a clean search of your name or business on all online search entities such as Google, Yahoo and Bing. Any unwanted listings will be eliminated, obfuscated or hidden from public view. And you don't have to worry about falling prey to any "fly-by-night" operations offering "search engine image protection" - the job is done right through our professional agents.
What do I need to do to get started?
The first step is to take advantage of our FREE consultation and find out if you're eligible. Once we determine eligibility and we reach an agreement then we begin taking care of every step of the process for you. Any paperwork that needs completed will be done by our attorneys. We will provide you with detailed instructions for anything you need to complete on your end. You will also need to sign some documents for us and have your fingerprints taken in some cases as well. If a hearing is required, we can appear on your behalf.
Our Tampa Attorneys are ready to provide you with a detailed consultation for FREE!
GET HELP NOW!When you come to Fernandez Law Group to have your criminal record sealed or expunged, you get several advantages over many other law firms.
- You will be working with a team of attorneys, not just one attorney.
- Our attorneys are experienced and qualified to practice in state or federal courts.
- We have helped seal or expunge many records over the years here in Florida
- We have developed a streamlined program to help you through the process quickly and affordably.
- We go a step further and help remove mugshots and repair your online name reputation.
- Consultations are FREE - find out if you qualify, learn about the process and fees up front at no cost to you.
Call us today at 813-489-3222 for a FREE consultation and find out what we can do to begin helping you get your record sealed or expunged before you spend a dime!
Criminal Defense Solutions:
- Assault and Battery Defense
- Bail and Bond Hearing Attorneys
- Burglary, Larceny, Robbery, Shoplifting and Theft Defense
- Computer, internet, and Cyber Crime Defense
- Defending Drug Violation Charges and Offenses in Florida
- Drug Manufacturing Defense
- Drug Possession Defense
- Drug Sale Defense - Early Termination of Probation Attorneys
- Firearm or Weapons Violation Defense
- Fraud and Fraudulent Activities Defense
- Prostitution Defense / Defense for Solicitation of a Prostitute
- Seal or Expunge a Criminal Record
- White Collar Criminal Defense Attorneys with aggressive representation
- Wire and Mail Fraud Defense
- Get your Criminal Record Sealed or Expunged
Criminal Defense Resources:
Call us today at 813-489-3222 for a FREE consultation and case evaluation.
Read more: http://thefernandezlawgroup.com/criminal-law/seal-or-expunge-your-criminal-record-in-florida.html#ixzz3t0LNxkke
Tampa Attorney Frank Fernandez receives client distinction award again in 2015
Tampa Attorney Frank Fernandez has received the Client Distinction Award once again in 2015. This marks the third consecutive year the award has been presented to Frank from Martindale-Hubble® and Lawyers.com.
Frank has been recognized by his clients for excellence in Quality of Service, Overall Value, Responsiveness and Communication Ability. He also received this award in 2013 and 2014.
Less than 4% of the 900,000+ attorneys listed on martindale.com and lawyers.com have been accorded this Martindale-Hubbell® honor of distinction.
Learn more about the Awards and Recognitions our Tampa Attorneys have received.
Learn more about the Awards and Recognitions our Tampa Attorneys have received.
Thursday, October 1, 2015
Fernandez Law Group: Monthly Newsletter - October 2015
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Florida Early Termination of Probation:Read more: http://thefernandezlawgroup.com/newsletter/october-2015.html#ixzz3t0An4ujx
Monday, September 14, 2015
The Fernandez Law Group: Monthly Newsletter - September 2015
The Fernandez Law Group: Monthly Newsletter - September 2015
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Protecting the rights of Children of Divorce:
1. Insurance Companies Do Not Have Your Best Interests at HeartHAMP (Home Affordable Modification Program) extended through 2016
HAMP (Home Affordable Modification Program) extended through 2016
Designed in order to try and help millions of homeowners facing foreclosure, HAMP was created back in 2009 as part of the Making Home Affordable Program. Originally set to expire in December 2013, this program was extended to run through December 2015. Since then, it has been extended yet again, and is currently set to expire in December 2016. Homeowners can still use HAMP to modify their loan terms to make payments more affordable now and up through December of 2016.
The United States Treasury has reported that since 2009, the program has saved an average of $546 per month in mortgage payments for qualified participants. Those savings are rather substantial and as a result, many people have been able to stay in their homes.
Having an attorney represent your interests when working with the lender on a loan modification can make all the difference in whether you get approved or denied. Here in Florida, the Fernandez Law Group has been very successful in getting a steady flow of loan modification requests processed for clients while delivering results that often exceed their expectations.
The results provide only an estimate of a mortgage servicer's NPV evaluation. Although the same formula in the NPV tool is required to be used by mortgage servicers, differences in input data and other industry-related data could result in different outputs.
You can visit CheckMyNPV.com to conduct the evaluation on your own, but we strongly recommend having an attorney assist you with the process. If you do complete the process on your own, be sure to save a copy of the evaluation as you will need it in order to discuss what options are available to you through the mortgage servicer.
Our years of experience in the industry as foreclosure defense attorneys enables us to work every possible angle between the homeowner and lender. When you hire an experienced foreclosure defense team who also specialize in loan modification and short sales, you can expect to maximize your potential savings while increasing your chances for getting approval as well.
The Tampa attorneys at Fernandez Law Group have been helping Florida homeowners get the loan modifications they've needed for years. Let us put our experience in foreclosure defense to work for you today.
Content authored by 
Gaston Fernandez
Designed in order to try and help millions of homeowners facing foreclosure, HAMP was created back in 2009 as part of the Making Home Affordable Program. Originally set to expire in December 2013, this program was extended to run through December 2015. Since then, it has been extended yet again, and is currently set to expire in December 2016. Homeowners can still use HAMP to modify their loan terms to make payments more affordable now and up through December of 2016.
Why was HAMP extended?
When HAMP was originally proposed, the federal government had estimated that around 3.5 million homeowners would participate in the program. But according to statistics, only about 1.1 million people have actually participated. It was determined that the difficulty of applying for and receiving assistance under the program has been one of the main reasons for that lack of participation. Many homeowners found it too difficult to complete the initial requests and paperwork and were instantly denied as a result. In most cases, those who found relief were able to do so by hiring loan modification attorneys to represent their interests to the lender. Since then, HAMP has been streamlined and the process is much easier to complete, but it is still a very complex process. HAMP has been largely structured and driven by the lending institutions and they have been notoriously difficult for homeowners to deal with one on one. As a result, most homeowners are still consulting professionals in order to have a better chance at getting their modifications approved.How much can a homeowner save under HAMP?
The United States Treasury has reported that since 2009, the program has saved an average of $546 per month in mortgage payments for qualified participants. Those savings are rather substantial and as a result, many people have been able to stay in their homes.
Having an attorney represent your interests when working with the lender on a loan modification can make all the difference in whether you get approved or denied. Here in Florida, the Fernandez Law Group has been very successful in getting a steady flow of loan modification requests processed for clients while delivering results that often exceed their expectations.
Understanding how the HAMP process works:
The HAMP process is fairly straightforward. To begin, the lender is going to review the borrower's financial status using what's called a Net Present Value Test. The results will help the lender determine what interest rates are available to the borrower. From there, up to three separate waterfall tests will be conducted. The reduction will be granted if the interest rate is kept within the available range determined through the Net Present Value Test.What is the Net Present Value Test?
The Net Present Value Test is a free tool that is provided by the U.S. Department of Treasury along with the Department of Housing and Urban Development all done in conjunction with the Making Home Affordable Program created under the Obama Administration. The tool was designed to help assist homeowners in conducting the net present value evaluation required for their mortgage to be considered for HAMP. Homeowners can make use of this tool to gain a better understanding of the NPV prior to applying for HAMP.The results provide only an estimate of a mortgage servicer's NPV evaluation. Although the same formula in the NPV tool is required to be used by mortgage servicers, differences in input data and other industry-related data could result in different outputs.
You can visit CheckMyNPV.com to conduct the evaluation on your own, but we strongly recommend having an attorney assist you with the process. If you do complete the process on your own, be sure to save a copy of the evaluation as you will need it in order to discuss what options are available to you through the mortgage servicer.
What are the waterfall tests?
After the NPV is determined, the lender is going to complete a series of waterfall tests once the range of interest rates have been determined. First waterfall test: The first of which will attempt to reduce the monthly payment. This reduction will attempt to reduce the monthly payment to no more than 31% of a borrower's income. In order for the reduction to be granted, the interest rate must be kept within the available range. If this is not possible, then a second waterfall test will be conducted by the lender. Second waterfall test: This will extend the mortgage out for a period of 40 years. Once again, if the interest calculated here rate does not fall within the range of interest rates from the Net Present Value Test, then a third waterfall test would be conducted. Third waterfall test: During this stage, a principal forbearance will be applied by the lender. When that happens, a portion of the principal amount of the loan will have interest charges waived. This provides an opportunity to minimize the amount of the principal forbearance without having to lower the interest rate below the allowable range determined with the Net Present Value Test. Homeowners must participate in the HAMP program in order to qualify for having their interest rates adjusted through the waterfall tests.How can the Fernandez Law Group help me qualify for HAMP?
Our years of experience in the industry as foreclosure defense attorneys enables us to work every possible angle between the homeowner and lender. When you hire an experienced foreclosure defense team who also specialize in loan modification and short sales, you can expect to maximize your potential savings while increasing your chances for getting approval as well.
The Tampa attorneys at Fernandez Law Group have been helping Florida homeowners get the loan modifications they've needed for years. Let us put our experience in foreclosure defense to work for you today.
The consultation is FREE and you can call us today at 813-489-3222 to schedule a review of your particular situation.
Additional information about Loan Modifications:
- Reasons why you should hire a Loan Modification Attorney
- Different Types of Loan Modification programs explained
- 2013 Streamlined Modification Initiative
- Streamlined Modification Initiative Frequently Asked Questions
- Loan modification terminology explained
- Conditions that qualify as a Hardship for Loan Modifications
- How to write a Hardship Letter for Loan Modifications
- HAMP (Home Affordable Modification Program) extended through December 31, 2015
Content authored by Gaston Fernandez
Our Tampa Attorneys are ready to provide you with a detailed consultation for FREE!
GET HELP NOW!Call us today at 813-489-3222 for a FREE consultation and case evaluation.
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