Archive for September, 2009

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5 Ways to Avoid Florida Foreclosure: Free Legal Workshop Aims to Help Homeowners

Wednesday, September 23rd, 2009
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The legal side of Florida real estate can be daunting in this economy. Knowing your legal rights increases your survival and recovery rate says, Florida foreclosure attorney and South Florida law blogger Roy Oppenheim.

Designed to help homeowners, Oppenheim’s monthly Florida foreclosure workshop provides a venue where homeowners and real estate professionals unite. The October workshop will not only focus on defending foreclosures but is also coupled with tips on buying and selling Florida real estate, including how to buy a short sale or a previously foreclosed property.

What: Florida Housing Help: Free Real Estate Workshop
Who: Real estate professionals and homeowners facing foreclosure, buyers, and sellers
Where: 2500 Weston Rd Ste 404, Weston, FL 33331
When: Thursday, October 1, 2009 – 6:00 to 7:00 PM
Cost: Free with advanced registration
RSVP: To register email roy@oplaw.net or call 954.384.6114

Whether its volunteering at the CBS Neighbors 4 Neighbors phone banks answering questions about foreclosure or hosting his own free workshops, Oppenheim spends his time educating real estate professionals and Florida homeowners about their legal rights when it comes to foreclosures, shorts sales, loan modifications, and REOS.

Oppenheim Law’s October workshop will highlight the following foreclosure defense strategies and real estate tips:
• Learn the process of foreclosure and how to defend your home
• How to locate and purchase foreclosed properties substantially below market value.
• Tips on finding, buying, and selling short sales
• Insight on current Florida home prices and the right times to buy/sell
(more…)

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Posted in Foreclosure Workshop, Neighbors 4 Neighbors, Roy Oppenheim | No Comments »

Roy Oppenheim Answers the Call on Florida Reverse Mortgages

Monday, September 21st, 2009
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Helping CBS Neighbors 4 Neighbors, Oppenheim Law Attorney’s Geoff Sherman and Roy Oppenheim Volunteer by Answering Calls for the CBS Neighbors 4 Neighbors 15-line Phone Bank
neighbors4neighbors
With Al Sunshine reporting the CBS news, Roy Oppenheim and the attorneys from Oppenheim Law will be answering all things reverse mortgage-related tonight at CBS4’s For Your Money phone bank.

Reverse Mortgage Questions Answered Tonight
How does a reverse mortgage work?
Am I eligible for a reverse mortgage?
What is the best way to apply for a reverse mortgage?
What if the value of my home has dropped dramatically?
How do reverse mortgages stop the process of foreclosure?

CBS4 Reverse Mortgage Phone Bank
Who: Foreclosure Defense Law Firm Oppenheim Law + CBS4
When: Tonight, Monday September 21st from 5:30 – 6:00 PM
How: Call CBS4 305-597-4404 and speak to a foreclosure attorney

Oppenheim Law advises homeowners to be proactive and ask questions if they fear they may be facing foreclosure. Tonight’s phone bank will offer free advice for homeowners considering a reverse mortgage.

About Neighbors 4 Neighbors
Neighbors 4 Neighbors is the most identifiable public service campaign in the Miami-Fort Lauderdale market. South Florida viewers know Neighbors 4 Neighbors, consider it important, and respond to it in a remarkable way.

Here is a sampling of what Neighbors 4 Neighbors has done during the past fourteen years:
• Nearly 4 million calls have been logged in the phone bank
• More than $10 million in donations of cash, foods and services have gone to those in need
• Nearly 400,000 people have participated in the Neighbor’s Adopt-A-Family for the Holidays program
(more…)

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Posted in Al Sunshine, Loan Modification, Neighbors 4 Neighbors, Reverse Mortgages | No Comments »

I Couldn’t Have Said It Better Myself…

Monday, September 14th, 2009
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Watch this insightful video on how we got to where we are just from one year ago….

Wall Street, One Year Later

The Times’s Andrew Ross Sorkin, Gretchen Morgenson and Joe Nocera recount the events of the weekend that Lehman Brothers failed and discuss the lessons learned from the financial crisis…

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Posted in Entrepreneurial News, Florida foreclosures | No Comments »

Deficiency Judgments “Are a Comin”… Say it “Ain’t So”:

Friday, September 11th, 2009
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You can run but you can’t hide from Florida’s deficiency judgments….

While it’s now well accepted that 98% of Florida homeowners in foreclosure are just walking away and putting their head in the sand, it is now becoming apparent that while these folks can run, but they probably can’t hide.

Definition of a deficiency judgment according to Wikipedia:

A deficiency judgment is a judgment lien against a debtor, defendant or borrower whose foreclosure sale did not produce sufficient funds to pay the mortgage in full. This option may or may not be available to the lender, depending on whether they have made a recourse or nonrecourse loan.

Until now, there was some uncertainty whether the banks were going to pursue deficiency judgments from Florida homeowners. Well the evidence is becoming clear that many banks will pursue and ARE NOW pursuing these Florida judgments post-foreclosure.

For the uninitiated, in Florida and other “recourse” states, a Bank would be entitled to obtain a judgment against you for the difference between the mortgage amount and the value of the property. In other words, if your Florida real estate property is worth less than the mortgage the Bank can come after you for the difference. In non-recourse states, like California, the Banks can not do that. Florida is a recourse state and the Banks may have up to five years to bring the action. Although if the Bank doesn’t bring the action within one year after the Florida foreclosure sale, it can be argued that the Bank failed to diligently pursue the case and the Court “could” in theory dismiss the action for failure to prosecute. I say good luck on that one!

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Posted in Florida foreclosures, Florida Law News, Foreclosure Defense | No Comments »

SFBJ Highlights Oppenheim Law’s Hybrid Marketing

Wednesday, September 9th, 2009
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So, we all know how much I hate publicity! LOL. But, when marketing columnist Jeff Zbar from the South Florida Business Journal was looking for a local business to feature, one that was blending social media and traditional to gain more online visibility, how could I say no?

My PR agency, The Buyer Group, told me I needed to be in this story! I’m proud to be the trail blazer when it comes time to reinventing your business and how you think. In today’s economy, what worked yesterday might never work again, so we try new things.

Here’s the story, let me know what you think.

sfbj

Hybrid campaigns blend online, traditional marketing methods

When Roy Oppenheim appears as an expert guest on a local television news broadcast, that’s the start of a hybrid marketing campaign.

His media relations firm pitches him to the media as an expert in foreclosure and real estate law. When Oppenheim appears on television, he takes that recording and posts it to YouTube – and then embeds it in his Web site and blog site. He then blogs – in one of the more than two dozen blogs he’ll post each month – about the appearance, his monthly seminars and other content.

Oppenheim once believed in the power of traditional marketing. Today, his campaigns are a blend of some traditional and heavy online and social media.

“We’re not using social media just to solicit clients, but as a means to deliver services and information,” said Oppenheim, senior partner with the newly branded practice, Oppenheim Law. “We’re redefining ourselves as almost a Web-based firm. You have to be on the path and embrace this medium to make it successful.”
(more…)

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Posted in Entrepreneurial News, South Florida Business Journal | 1 Comment »

10 Inside Tips for Buying or Selling Florida Foreclosures, REOs, Short Sales

Tuesday, September 8th, 2009
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If you missed last weeks real estate workshop, Roy Oppenheim discussed the current Florida real estate market and offered tips for homeowners to stay above water.

Roy offers a free foreclosure defense and real estate workshop on the first Thursday of every month, so make sure you check it out or send your friends next time around.

See below for the tips Roy shared at the workshop and a video of Roy discussing what to do when buying a foreclosure or short sale.

10 Tips to Survive Today’s Florida Real Estate Market

  1. Home prices will not increase until the foreclosure rate stabilizes. Watch out for median home prices, they can be very misleading.
  2. Sellers should accept multiple offers on their home when doing a short sale.
  3. To be approved for a short sale, the seller needs to provide a unique hardship (ie. Loss of income, family member becomes unemployed).
  4. Lenders can seek a deficiency judgement even after they issue a 1099
  5. Be patient and perform a scrupulous inspection. Roy’s special tip – Spec homes from a builder are your best bet. You know what you are getting and often times builders offer great deals.
  6. Lots of opportunities are available for investors.
  7. In the process of foreclosure, defend your home and make the bank prove that they own the note.
  8. A homeowner is more likely to get a loan modification approved during foreclosure because of the likelihood of mandatory mediation.
  9. Lender’s will most likely not accept a Deed in Lieu if you have a second mortgage.
  10. In a Chapter 13 you can possibly wipe out the second mortgage on your home if the property is underwater.

    11. (more…)

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Posted in Chapter 13, Deed in Lieu, Florida foreclosures, Florida short sales, Foreclosure Defense, Loan Modification | 4 Comments »

Tonight: Free Real Estate Buying and Selling Workshop

Thursday, September 3rd, 2009
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I’m a firm believer in word of mouth advertising. What a better way to get a referral than from a trusted friend? Since 23% of home loans in Florida are in foreclosure or behind on mortgage payments, chances are you know someone I can help.

Tell your friends to join us tonight for a free workshop and learn 10 Tips to Survive in today’s real estate market.

What: Free Real Estate Buying and Selling Workshop
Who: Homeowners and Realtors
When: Thursday, September 3, 2009, 6:00 to 7:00 PM
Where: 2500 Weston Rd Ste 404, Weston, FL 33331
RSVP: To register please email roy@oplaw.net or call 954.384.6114

Tonight’s workshop will be split into three strategy segments: buying Florida real estate, defending Florida foreclosures, and investors looking for opportunities.

Please feel free to pass this on to someone you know and for more information view the full press release.

See you tonight!

Roy Oppenheim

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Posted in Florida foreclosures | 1 Comment »

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