Property Assessed Clean Energy (PACE) Loan Headaches and common PACE Loan Questions

Did you just find out what the payment on your Property Assessed Clean Energy (PACE) loan will be?

Haven’t heard of a PACE loan? Me either. I recently read a National Consumer Law Center response that has me very afraid for my clients and the increase of PACE Loans. I wanted to take a few moments to educate and try to help those that are only know learning about this loan type:

Do you have a Property Assessed Clean Energy (PACE) loan? Are you finding out what your payment is now going to be? You’re not alone – hundreds (if not thousands) of homeowners have been in the same position you are. This is a newly forming, and potentially disastrous new form of lending which is currently the fastest growing lending and investment program throughout the nation. This form of lending has been compared to the type of sub-prime loans that caused the economic downturn and the foreclosures that still haunt our state to this day.

What is a PACE loan?

A PACE loan, at its core, is a loan program that offered loans for energy-efficient home improvements (solar panels, HVAC systems, and energy-efficient windows). A contractor typically offers this loan and secures it by a property tax lien. The local tax collector (property taxes) then collects the outstanding amount through annual tax assessments. The state of Florida and your local government authorizes these programs, but they are generally run by private corporations with no oversight.

How does a PACE loan work?

Generally, a homeowner will be approached by a contractor or other private individual citing issues with the property. In fact, the PACE program is designed to use a home improvement contractor as the salesperson for the loan product. Even if you are not approached directly door-to-door, it is becoming increasingly more common for a contractor to try to “up-sell” repairs needed to the home (i. e., a new toilet becomes the need for a set of solar panels and water heater). Typically, homeowners are being told that the savings on energy will offset the cost of, or even pay for, the new upgrade to the home.

There are minimal criteria for receiving this form of financing: (1) improvements must not exceed 15% of the property’s value, (2) the combined mortgage related debt and amount of the PACE loan cannot equal more than 100% of the property’s value, and (3) the total annual property tax and assessments must not exceed a percentage of the property’s market value.

What are the risks?

As you can imagine, this is fraught with issues. Gone are the days when the world could be trusted – especially door-to-door salespeople. While the complaints associated with this type of lending are numerous, I’ve gathered a few to help you conceptualize and envision just how scary this type of loan can be:

  1. First of all, imagine you were convinced to take a PACE loan on your property. You probably know you are going to have a new tax assessment. You know you have the ability to pay it. Imagine the repair starts to show signs of not being done properly (those new solar panels? The roof leaks during the first rain!) The contractor has probably been paid for the work – and now you have to track them down;
  2. Homeowners are told they can get a tax refund. Generally, there is only a non-refundable tax credit available for this type of loan. Most importantly, consult your CPA and ask about 26 USC 25C/25D;
  3. The sales person knows the maximum your home can qualify for! It’s pretty easy math that leads to exploitation – they shoot for 15% of the market value of the property. Your $200,000 home can be a $30,000 payday for the contractor;
  4. This loan isn’t like a mortgage – it is applied as a tax lien. Generally, these loans will take priority over your mortgage – which may put you in default;
  5. Escrowed Mortgage Payment (where you pay insurance and taxes through your mortgage payment)? Expect an increase in your mortgage payment months after the work has been done. This can be devastating to homeowners on a fixed income. Often times, your escrow payment is calculated around mid year. This means that if you put the solar panels on 6 months ago, it’ll take time to catch up with you;
  6. Trying to refinance or sell your home? This loan can cause issues with that. Homeowners are being told that if they sell the property, the tax assessment will go on to the new owner. This may be a deal breaker for some buyers. If the buyer finds out about it post contract (and you did not disclose the loan) you can be looking at a lot of headaches in your transaction; AND
  7. Finally, there is no meaningful review of an ability to pay. This loan is tied to your property’s value – not your income. Consequently, it’s incredibly difficult for homeowners that are living paycheck to paycheck to budget for.

I have a PACE loan and didn’t know all of this – we need to talk!

Most importantly, if you have recently gotten a PACE loan – or have a contractor that is asking you to get one – meeting with an attorney can be very helpful to you. I pride myself on being easy to get to. You can reach me 3 ways: (1) call my office at 813.502.6768, (2) e-mail me at my firm – we’ll get you set up for a time to speak to me; or (3) schedule a consultation by using my online platform.

Posted in Consumer Protection, PACE Loan, Real Estate

Debt Arrest Warrant and Debt Collection Violations

Debt Arrest Warrant

Person in Handcuffs – Arrested for Debt???

I was in court this week, and a situation that I had become jaded with was unfolding in front of my eyes. At the defense table was an elderly man, flanked by a translator and a bailiff within reach, standing while being addressed by the judge. This man was literally shaking. He looked at the judge and simply said – I can’t pay them anything. The judge, who likely hears this more often than he can count, said to the man “We don’t send people to jail for not having enough money. Not in this country.” With that, the shaking stopped and the man looked very relieved. It was clear – his big fear was that some debt arrest warrant could be issued if judgment was entered. So I wanted to take a moment and tell everyone about the dreaded debt arrest warrant.

It’s lost on consumers what can happen to them if they can’t repay their debts

As a consumer attorney, I very frequently consult with individuals seeking to negotiate their debts, consolidate them through bankruptcy, or fight a lawsuit that has been filed against them by a debt buyer. Oftentimes, this initial consultation will yield some of the most distressing forms of debt collection – the fake debt arrest warrant. A simple google search for “debt collector arrest warrant” shows over 1.6 million results.

I remember the first time I encountered this. It was with a consumer who was at their wit’s end. I asked them what was so troubling, hadn’t they told them that they could not afford to pay them anything? the consumer told them that exact same thing, but the debt collector responded by sending them something via e-mail. I was then shown an arrest warrant – it bore the seal of a court in New York – apparently signed by an attorney working for the prosecutor’s office. I now understood exactly why this individual was so troubled – it looked real.

Threatened with arrest by a debt collector? Most people don’t know that they may be able to put money into their own pocket because of one law…let’s talk.

If you cannot pay your debts, a few different things can happen.

Typically, a debt arrest warrant is not issued. In fact, you generally cannot go to jail for your debts. You may see the delinquent debt being reported negatively on your credit. You may have a credit union terminate your relationship with them. You may see an increase in phone calls and written correspondence from the creditor or a debt collector acting on their behalf. The debt may be sold to a debt buyer or a third-party for pennies on the dollar to try to make some profit for that company. You may be served in a breach of contract type lawsuit where the debt collector or creditor will seek a money judgment against you.

These are just a few of the common examples of *what could happen to you*. But, going to jail is not typically not going to be on that list*.

What can you do?

First, ask for a copy of the warrant. Then, consult with an attorney immediately. At this point, despite catching on to the debt collectors game, you may be able to find things out about the debt that can aid your defense tremendously. It may even help put you on the offensive against the debt collector.

Second, take good notes. Are they calling you? Detail the call, number it came from, and the contents. Ask them to stop calling (if you want). Are they swearing at you over the phone? Make sure you note that. Ask that they communicate with you in writing.

Third, research your debt. Is it legitimate in the first place? After the breaches over at the credit reporting companies, your personal information may have been compromised.

Keep checking in with your attorney. Each communication may be a potential step for you into leveraging your position with this debt collector that is using illegal tactics.

You could be entitled to $1,000 for something you are not even looking for.

When can you go to jail?

Believe it or not, if a debt collector or creditor gets a judgment against you, and you are ordered to fill out a fact information sheet and you fail to do so, the court can hold you in contempt for violating its order. If the judge is so inclined, this can include a bench warrant for your arrest or a writ of bodily attachment.

If someone is threatening you with an arrest warrant for owing money, call an attorney immediately. My office is available to help! Simply call at 813.502.6768, e-mail, or set up a consultation now!

Photo by niu niu on Unsplash
Posted in Uncategorized

Equifax data breach lawsuits – what you need to know.

In a world where more and more consumers are incredibly mindful about their credit history and credit score, a leading credit reporting agency, Equifax, has announced that over 100m individuals are the victims of a cyber breach which has lead to a leak of their personal information. To determine if you are a victim, Equifax has set up a checking tool which can tell you whether your information has been compromised. Find it at https://trustedidpremier.com/eligibility/eligibility.html. 

What this means for consumers.

Obviously, it’s disheartening. This is a credit reporting agency that insurance companies, credit card companies, and background checks look to for verifiable information regarding a individual. There is a large amount of trust that is put into this company by the public and they report information which can impact many things, and the impact of a data breach like this can then span decades. 

For starters, a common piece of information that credit reporting agencies use is your social security number. Generally, identity theft is an insufficient ground to get a replacement social security number – in fact, the burden will be on you to prove someone else is using your number. Even if you are able to change the numbers, it does not automatically fix your credit report either – something that is generally done at the discretion, after a formal inquiry, if the credit reporting agency. 
In addition to the social security number issue, other information can now potentially be in the public sphere – your address, date of birth, maiden name, former addresses, etc. this information is generally used by lenders to verify that you are you (especially if you have a common name). 

What can you do?

As of now, there have been over 30 lawsuits filed against Equifax for this data breach. Our office focuses not only on bringing suit, but trying to help you recover from the damage caused by this data breach. If you have been affected by this breach, please feel free to give me a call at the office: 813.502.6768. Our services can include securing your credit, suing Equifax on your behalf, or potentially a class action. 

Posted in Consumer Protection

Credit Card Lawsuit in Florida – Fighting back against Junk Debt Buyers

Junk debt buyers like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, CACH, LLC continue to sue Florida consumers for debts they did not originate every day. For many consumers, their credit card lawsuit goes undefended.

In a recent study by the Federal Trade Commission junk debt buyers are paying, on average, 4 cents on the dollar for this debt. Florida consumers are being targeted by a credit card lawsuit that seeks to collect this debt. These companies – Midland Funding, Portfolio Recovery Associates, Cach LLC and others – may be buying these debts in agreements that encompass hundreds, if not thousands, of accounts at a huge discount and then trying to collect the full face value of that debt. These companies are stating in the documents that they are filing that they are owned the debt – often ambiguously. The problem is that most, if not all, consumers did not take out a loan or credit card with these companies.

Midland Funding, Portfolio Recovery Associates, Cach, LLC, and Cavalry SPV I bring a credit card lawsuit (or an account stated lawsuit) after they have purchased these debts. They give basic information – a purchase and sale agreement or affidavit – and seek to get a judgment against consumers in court. Generally, these lawsuits are for damages that are less than $15,000 – which puts them in county court.

Can you defend a credit card lawsuit?

The simple answer is that generally, most of these cases are defensible. The problem for Midland, Portfolio Recovery Associations, or CACH LLC is that they have a hard time explaining how they are entitled to enforce the debt. Generally they need agreements that they do not want publicly disclose. This is where actually putting up a defense is key. Most of the time, these lawsuits go undefended and end up with default judgments followed by garnishment and years of debt collection. After they get their judgment it is very difficult to get a judge to change his mid. Oftentimes this leads to bankruptcy.

Getting an attorney involved early in the process is key. The earlier from when you are served allows an attorney the most time to try to litigate real issues in your case and do discovery. This allows for them to depose corporate representatives to understand just what will be faced at trial.

How are we different

We focus not only on standing and evidentiary issues, but also consumer collection violations that may give your case some added strength. Generally, for defense of these suits, we take reasonable flat fee type of charges to save you and your family money while having the benefit of an attorney. If we discover an FDCPA or FCCPA lawsuit, we generally take these cases for only the costs of filing and we will not get paid unless you win!

If you would like to speak to me regarding defending your suit, time is of the essence. In some instances a court date may already be set (if the case is for less than $5,000). Call me today at 813.502.6768 for a no obligation consultation.

 

Posted in CACH LLC, Credit Card Lawsuit Defense, Midland Funding LLC, Portfolio Recovery Associates

National Collegiate Student Loan Trust Lawsuits in Florida – Are there defenses?

National Collegiate Student Loan Trust lawsuits are continuing to hamper consumers in Florida. Many ask, is there any relief?

One incredible result of the ‘great recession’ was a raise in student loan debt and an inability of consumers to pay. This leaves them in the perilous position of having student loans with a specialized degree or even “the minimum” to locate a job and being either under employed or not employed at all. This left student loan borrowers with a hard choice – eat or default. After many chose the latter, and student loan default became a more common occurrence. Private student loan companies then sold of massive amounts of student loan debt. This also impacted investment portfolios as student loan debt, and the difficulty in getting them forgiven, was seen as a ‘safe’ investment. A large number of these debts were held by National Collegiate Student Loan Trust (NCSLT). Many student loans were then gathered into trusts and sold to various investors.

The thought was, from an investment standpoint, after an increasing number of student loan borrowers defaulted, individuals would then face lawsuits on the non-payment of these loans to try to turn these loans into collectible judgments. Many student loan borrowers, like those in foreclosure, often do not think there is any defense to these suits. They may be surprised to learn that there are a few defenses out there for these student loan lawsuits.

Are there Defenses to National Collegiate Student Loan Trust lawsuits?

That answer may startle you – yes! One big issue for them seems to be the ability to prove they have a right to sue. Like many cases where debts have transferred, proving it can be difficult. They will have to overcome evidentiary rules. They may have to overcome statute of frauds issues relating to paying debt. Having an attorney that understands these rules is very important.

Another issue the student loan debt collector may have is the statute of limitations. This is a bar to the collection of your debt through a lawsuit. This may not stop the ability to collect. It’s important to note, this can be waived. Understanding how to maintain this defense could be helpful in defending your case.

If you are involved in active litigation with National Collegiate Student Loan Trust, an experienced defense attorney may be able to help!

If you would like a review of your student loan case – whether with Sallie Mae, Navient, or National Collegiate Student Loan Trust, please do not hesitate to contact my office at 813.502.6768.

Posted in Debt Collection, Student Loan Default

Lis Pendens and Foreclosure is further explained by Florida Courts

A recent Florida court decision cast a shadow on the lis pendens. Now, the 4th DCA has tried to fix its past decision.

In its recent decision in Ober v. Town of Lauderdale-by-the-Sea, the Florida appellate court is trying to correct an issue that came out of a previous decision in the same case (Ober 1) which held that a lis pendens was extinguished with the entry of a final judgment.

In Ober 1, the 4th District ruled that where a final judgment had been entered in a foreclosure case, which occurs after a lis pendens is filed, and a subsequent lien arises before the sale resulting from the final judgment, that lien will not be extinguished. That case looked at a code enforcement lien entered by the city after judgment. It was a long process, but a foreclosure sale finally occurred four years after judgment. This case represented a huge deviation from existing case law as to the lis pendens statute.

In its first decision, the final judgment extinguished the lis pendens and the city’s lien was valid. It’s decision on rehearing reversed that decision.

What is a Lis Pendens

A lis pendens is a legal notice. It’s defined by Florida Statute (48.23). Basically once it’s recorded it gives people constructive notice of issues such as a lawsuit related to the property. This is vital for prospective purchasers or lenders that may be interested in the property. For those that have an interest in property that is not of record, once a lis pendens is recorded they must assert their rights.

How did they correct it

Basically, on rehearing,the 4th DCA went back to a strict interpretation of the lis pendens statute and a standard understanding of a foreclosure lawsuit. A foreclosure doesn’t end at judgment. It’s an interim period before a sale.

Posted in Foreclosure Defense, Law Update

Frontier Communication Billing Issue – Can you sue?

Verizon Fios has become Frontier Communication, and it’s causing consumers a lot of headaches.

For years, Verizon Fios was a service that Floridians relied on every day for their internet, television, and telephone. Recently, a new company purchased this service – Frontier – and took over providing service and billing. Frontier’s billing practices have been the subject of many articles showing what issues they have caused. As a consumer protection attorney in Florida, I have been asked if there are grounds for a lawsuit, and have been researching possibilities. If you have been affected by a Frontier Communication billing issue, we are available for a consultation.

Can Floridians Sue Frontier or other new service providers?

It depends. There may be a way that Frontier Communications, or a similarly situated company, is arguably liable to consumers. Under the Florida Consumer Collections Practices Act, it is a violation for a person to “[c]laim, attempt, or threaten to enforce a debt when such person knows that the debt is not legitimate, or assert the existence of some other legal right when such person knows that the right does not exist.” Fla. Stat. 559.72(9). Many people find that this is vague and hard to understand. Basically, in attempting to collect a consumer debt – a personal, family, or household debt – there has to be a legal right to the money. Companies that have taken over consumer accounts arguably run into some issues when it comes to their billing practices.

A resident of Florida that was only paying for internet with Verizon may be the easiest example. That person is only using one of multiple different services that Verizon may have offered. Now, generally there is a contract to that service. After the account is transferred to the new provider, the contract should have transferred with the same details that Verizon had. In some instances, this contract was not properly transferred over and the consumer may be charged for more services than they had agreed to pay for (e.g., internet and cable).

More issues may arise if the billing changed after an account was already late or delinquent and may open up more possibilities of suit. The state version of this statute allows for actual damages (if you paid the wrong bill), statutory damages (up to $1,000), and attorney’s fees and costs.

What about a Frontier Class Action?

Honestly, there may be some pending at this time given the scrutiny that has come their way from the State of Florida. In an effort to help Florida Consumers, my firm is speaking to those affected to try to determine the best options for them, some of which may be litigation.

If you are fighting with Frontier over billing and service related issues, call my office at 813.502.6768.
Posted in Consumer Protection, Frontier Communications

Why do you need a property inspection when buying a new home?

Recently, I was posed a question from a blogger over at realtor.com where they were looking for a real estate attorney to talk about home inspections gone wrong and how to mitigate risk. It’s an important issue and, while they were asking about real estate inspections and liability for the inspector, and  I don’t know if that will see the light of day, but my answer was as follows:

“There may be a [possible] cause of action against the home inspector; however, a great deal of home inspection contracts attempt to waive certain issues that may arise from the inspection (some even recommend getting a second opinion). If a home inspector misses something big, the contract to employ them should speak to that. A common cause of action in this instance is a professional negligence cause of action. Sometimes there may be a insurance policy covering the inspector, and this may be the primary source of recovery.
In terms of making sure the job is thorough – being there during the inspection can help. Make sure the inspection company is licensed, bonded, and insured. Making sure they actually enter attic spaces and crawl spaces can help too. A report should be generated for your review. There should be pictures taken during the inspection.
In a Florida real estate transaction – the seller has to disclose known facts materially affecting the value of the property which are not readily observable and are not known to the buyer. As an inspection is more thorough it helps to further explore issues with property that the seller may not know about.
Overall, inspections are designed to help inform the buyer. It’s the buyer’s job to make the most of the inspection so as to inform themselves. Picking a reputable inspection company is key.”

Every scenario is different, but if there is an issue with a home inspector, a fresh set of eyes may be beneficial to you.

 

Posted in Real Estate, Real Estate Attorney

Setting Aside a Default Judgment on the Day of Trial

Today, I was able to overcome a Motion for Default on the day of trial

With some exceptions, a Motion for Default, and a subsequent default, can be a death knell for a Civil Case in Florida. Brought pursuant to Fla. R. Civ. P. 1.500, a clerk’s default can be entered when a party – most likely a defendant – has failed to file any paper or pleading in a pending lawsuit. I see this pretty commonly in Foreclosure cases throughout the state of Florida. Generally, the banks are telling consumers that they will not try to foreclose as long as the borrower is trying to modify the loan. What they don’t tell you is that they won’t tell their attorney of their conversation. This generally results in a Motion for Default being filed despite a home owners best intentions. Many times, even after the motion for default is filed and entered, there is no notice to the consumer.

What is a default?

A default literally means that you have admitted to all well pled facts of the Complaint. This means conditions precedent, a parties standing, liquidated damages, and even in some instances jurisdiction and venue. This eliminates any chance you have as a defendant to enter defenses or conduct discovery. It is generally something that signals to both the judge and the represented parties in the suit as a waiver of the right to defend in a lawsuit.

How can this be bad at trial

A Motion for Default, or default judgment, is dangerous for a trial. Defenses that may have existed have been waived by nature of the default. This puts you at a significant disadvantage. You would only be able to contest unliquidated damages of the cause of action, allege that the bank failed to state a cause of action, object to some evidence, or potentially fight a court’s jurisdiction over the case. Outside of that, a judge will pretty quickly stop you from defending given the default.

This is troublesome, especially in a foreclosure case, for a number of reasons. It shortens the time period it takes the bank to get judgment significantly. In some instances, judgment can be entered in as little as six months. If you are interested in saving your home, you may not get a chance at mediation or loss mitigation. If you made payments after the alleged date of default or if the bank does not really have your note, the judge may never hear these arguments.

If a default is entered against you, can you fix it?

If a default has been entered against you, and you have a trial date rapidly approaching, you have to seek out counsel. A motion to set aside or vacate a default is very precise in what must be laid out. There are certain things that must be alleged, it must be brought diligently, and there has to be some sort of defense. Failure to show the right things can result in the motion being denied. If you are facing trial with a default, the odds are already stacked against you, and a motion to set aside the default may be a long shot as well.

Posted in Default Judgement, Default Judgment

Served in a lawsuit by Dyck O’Neal Inc.?

Dyck O’Neal Inc. served me in a lawsuit, what does this mean?

If you have been served in a lawsuit recently by Dyck O’neal Inc., or have current pending litigation with Dyck O’Neal, you are not alone. They are a debt collection company – they have purchased rights to old deficiencies from the bank that previously foreclosed on you and it is trying to collect whatever it can on this amount. This company has served thousands of Floridians and are seeking judgments against them. Many consumers are facing upcoming trial dates and summary judgment dates and are faced with having uncertain counsel as to how to best defend these actions as well. If you are facing a deficiency judgment lawsuit or motion by Dyck O’Neal, Inc., having an attorney that knows how to defend against a deficiency lawsuit is paramount to mitigating your damages or having a strong defense.

What is a deficiency judgment

A deficiency judgment is best put in perspective with a simple math equation – say you have a foreclosure judgment entered against you for $100,000.00. Now say that the value of the home that was foreclosed on was $50,000.00. The difference between those two amounts ($50,000.00) is known as a deficiency. The bank, or in this case a new company, can attempt to collect on the deficiency and must obtain a deficiency judgment to do so. These types of judgments are the rule and not the exception. They are very common, and are subject to very limited defenses.

One such defense is the statute of limitations. Basically, for those individuals that have had a judgment entered against them before July of 2013, the banks had five (5) years to seek this deficiency judgment. This was not the case after the statutes were amended to reflect the changes in the 2012-2013 congressional sessions. All of the old bank judgments now only have until July 2014 to seek to enforce the alleged rights to a deficiency judgment. What this means for a lot of Florida residents is simple: the foreclosure nightmare is not over, now the deficiency judgment you thought was forgiven could come back and haunt you. Creditors like Dyck O’neal Inc., can purchase these debts, become a debt collector, report on your credit, file a deficiency lawsuit or motion for deficiency, and now seek judgment against you.

What can I do?

Florida homeowners that had faced foreclosure, and perhaps lost a tough case or simply did not defend their suit, are now in a panic. After being served by Dyck O’neal Inc., it is hard to make an informed decision regarding this matter. Sure, you may now be doing much better than you were at the time of the foreclosure, but this is what Dyck O’Neal Inc., is hoping for. While you can see from my other posts, there are defenses to foreclosure cases, and there are also defenses to deficiency judgments, but to put it succinctly fighting a deficiency in court adds to the amount the bank or Dyck Oneal, Inc. will seek against you. If they do get a deficiency judgment, they will then try to garnish your wages or attach liens against your personal property. It is important that you understand that a settlement, and not a final judgment, may be in your best interest to avoid these outcomes.

What if you are in ongoing litigation

Over the years, one sad part of these lawsuits that I have seen are the weak pleadings and weak defenses being offered against Dyck O’Neal and their attorney. While I speak highly of settlement – for those doing well – making Dyck O’Neal prove its case and meet their burden is extremely important. Like I tell my clients – when I take a case, I am trying to win. This means knowing what defenses, documents, and data may best help their case and in some rare occasions, may end in a good day.

If you have counsel in ongoing litigation – it’s important that they have defended a case against Dyck O’neal. Case law is coming out each week that dramatically effects what defenses may prevail and which ones may not. Knowing these are a key to court room success. If you are facing a Dyck O’Neal trial or a motion for deficiency judgment and are uncomfortable with your attorney or don’t hear back – it may be time to find counsel you are comfortable with.

How can an attorney help?

An attorney can help dramatically in a settlement negotiation and at trial. Not only does it give your side more strength in a negotiation, it also shows that if pressed you are not afraid to have a judge rule on your case. If you have recently been served by Dyck O’Neal, and would like to know your options, please contact my office at 813.502.6768 or email me to set up a consultation.

Posted in Deficiency Judgment, Dyck O'neal Inc, Foreclosure Defense, Post Judgment Collection Tagged with:

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Attorney Bryant Dunivan's offices are centrally located in Tampa, FL and Valrico, FL. From these locations, Mr. Dunivan represents clients facing Foreclosure, Chapter 7 and 13 Bankruptcy, Consumer Protection, and Real Estate Law. This includes the entire state of Florida - including Hillsborough, Pasco, Pinellas, Osceola, Seminole, Orange, Lee, and Collier counties. Mr. Dunivan represents clients throughout the state of Florida.


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