COVID-19 UPDATE: The Law Offices of Evan M. Rosen remains open to help clients in personal injury, real estate, foreclosure defense, and consumer protection matters. We are working remotely and can be reached by phone, e-mail, chat, contact form, and video conference. Click here for the latest updates on how COVID-19 is impacting the law.

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Check out the recently released November 2020 Miami-Dade, Broward, and Palm Beach Real Estate Reports. Due to listing data being uploaded sometimes weeks after a transaction closes, these reports are often a month behind. The delay is required to make sure the reports are as accurate as possible.

In summary, we are seeing increases in sales activity and prices across the board in South Florida. Inventory (supply) is also dropping.

Knowledge is power and here is the latest:

Check out the newly released Third Quarter 2020 Miami-Dade, Broward, and Palm Beach Real Estate Report here: 2020-Q3-South Florida Market Report

We help people defend against foreclosure, fight improper debt collection, obtain a fresh start in bankruptcy, and buy, sell, and refinance real estate. Let Law Offices of Evan M. Rosen, P.A. serve you!

 

Join us tomorrow, November 13th from noon to 1:00 P.M., for Part I of a webinar series that breaks down the formula every successful person uses. The process is not complicated but there is a lot to cover. This Part I addresses a number of foundational issues that are a must.

For over two decades, I’ve served clients struggling with health, financial, legal, and family issues. Some of my clients have gone on to do very well, some seem to stay stuck, and most are somewhere in the middle. Successful people have a distinct approach to life, work, and problem-solving. And unsuccessful people have a unique approach too, only it holds them back.

As someone who has been fascinated by these distinctions and who believes everyone has the potential for success, I’ve read tons of self-help books and have attended well-known self-improvement workshops. I’ve also interviewed many extremely successful people to find out what makes them tick. And I’ve taken and kept notes from all of it.

Join us, this Friday, November 13th from noon to 1:00 P.M. for Part I of a webinar series that breaks down the formula every successful person uses. The process is not complicated but there is a lot to cover. This Part I addresses a number of foundational issues that are a must.

For over two decades, I’ve served clients struggling with health, financial, legal, and family issues. Some of my clients have gone on to do very well, some seem to stay stuck, and most are somewhere in the middle. Successful people have a distinct approach to life, work, and problem-solving. And unsuccessful people have a unique approach too, only it holds them back.

As someone who has been fascinated by these distinctions and who believes everyone has the potential for success, I’ve read tons of self-help books and have attended well-known self-improvement workshops. I’ve also interviewed many extremely successful people to find out what makes them tick. And I’ve taken and kept notes from all of it.

All successful people have a formula. Whether it’s making hamburgers or rocket ships, the factors that determine success are the same. Ray Kroc of McDonald’s followed the same basic approach to success that Elon Musk is now using to launch rocket ships into space.

For over two decades, I’ve served clients struggling with health, financial, legal, and family issues. Some of my clients have gone on to do very well, some seem to stay stuck, and most are somewhere in the middle. I’ve noticed there are thought and behavior patterns among them. Successful people have a distinct approach to life, work, and problem-solving. And unsuccessful people have a unique approach too, only it holds them back. I’ve been conscious of this for years and have taken notes on it. I’ve also interviewed many extremely successful people to find out what makes them tick. And since I was a teenager, I’ve read tons of self-help books and have attended well-known self-improvement workshops. I’ve taken and kept notes on that too.

About a year ago, I started compiling all my notes and workbooks from these experiences–organizing everything in a way that is easy to follow. And the result is “Ignite Your Mission to Success,” a seminar and workshop that covers every step of the formula for success. It includes worksheets and exercises to help guide you through everything. But instead of spending thousands of dollars and several long days together (like almost all other self-help seminars/workshops), we will cover the material over the course of ten one-hour, reasonably priced Zoom-based webinars. The registration and fee covers one webinar. New invitations will be sent each week. And while it’s best to attend all of the webinars as the content flows from one to the next, you can attend any of them and benefit from it.

Our client is a hospice nurse who was injured on the job. A patient stomped her foot, tearing the LisFranc ligament. She’s had three surgeries, all of which were paid through Florida’s Workers’ Compensation Law. The workers’ compensation insurance carrier ordered pre-operative blood work through Quest Diagnostics. But Quest sent the bills (referencing the insurance company) to our client and then sent her to collections. We sued for improper debt collection, obtained a final judgment, and then Quest appealed.

Quest is a Fortune 500 and S&P 500 company that grossed over $7.7 billion in 2019. Rather than do the right thing and resolve this, they never responded to our early settlement proposals and appealed the judgment. G-d willing, justice will prevail.

Our latest brief is here.

 

 

On April 2nd, Governor DeSantis entered an Order that started Florida’s foreclosure and eviction “moratorium.”  The Governor extended that three times (on May 14th to June 2nd, on June 1st to July 1st, and on June 30th to August 1st). But rather than simply extend it a fourth time, the Governor made significant changes in his most recent July 29th Order.

As covered in our blog, the first Order only suspended and tolled statutes “providing for mortgage foreclosure [and eviction] cause[s] of action.” In the most recent July 29th Order, Governor DeSantis suspended and tolled any statutes “providing for final action at the conclusion of a mortgage foreclosure [or eviction] proceeding under Florida law solely when the proceeding arises from non-payment of mortgage by a single-family mortgagor [or non-payment of rent by a residential tenant] adversely affected by the COVID-19 emergency.” (Emphasis added.) The Order defines “adversely affected by the COVID-19 emergency” as “loss of employment, diminished wages or business income, or other monetary loss realized during the Florida State of Emergency directly impacting the ability of a [single-family mortgagor or residential tenant] to make [mortgage or rent] payments.” The Order only lasts through 12:01 A.M. on September 1st.

Unlike before, new residential foreclosure and eviction suits can now be filed. Pending cases can proceed. But “final action[s]” cannot be taken for people “adversely affected” by COVID-19. The final action in foreclosures and evictions are, at worst, when a writ of possession is issued. That is after a judgment is entered and, for foreclosure, after a sale is completed. So arguably under this new Order, cases can proceed to judgment, but sheriffs cannot remove people from their homes who are “adversely affected by [] COVID-19” until September 1st.

Many companies are breaking the law and you could be entitled to recover money when they do.

According to a body of federal law designed to protect consumers, lenders, and our entire banking system, a printed credit or debit card receipt provided at the point of sale/transaction cannot show any portion of the expiration date of your card nor can it show more than the last five digits of your card number. This includes ATM receipts. But it does not apply to handwritten or emailed receipts, nor does it apply to those that contain an imprint or copy of the actual card.

If you don’t keep receipts, please start paying attention to any receipt provided to you at the point of sale/transaction and let us know if you find one that violates the law.

The press is reporting that Governor DeSantis’ April 2nd Order suspends all foreclosures and evictions. After all, that’s what he said at a recent press conference. (Watch the video clip here.) But what the Governor said is not what the Order states.

This is from the April 2nd Order:

NOW, THEREFORE, I, RON DESANTIS, as Governor of Florida, by virtue of the authority vested in me by Article IV, Section (1 )(a) of the Florida Constitution, Chapter 252, Florida Statutes, and all other applicable laws, promulgate the following Executive Order to take immediate effect:

The Coronavirus Aid, Relief, and Economic Security Act or “CARES Act” became law on March 27, 2020. Out of 335 pages, just over one page pertains to owners of single-family homes, townhouses, and condos. About a page and a half pertains to people who own and rent multi-family investment properties. And, there is about a page and a half on evictions. The great majority of the Act addresses unemployment, medical issues, and appropriation of funds to various government agencies. There is also a sizable section on $500,000,000,000 in loans, guarantees, and investments that the Treasury Secretary gets to dole out.

I’ve posted the applicable sections below but first, here is my summary of the key points for homeowners and tenants:

  • All of the protections apply only to properties that have “Federally backed mortgage loans.”
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