MORTGAGES AFTER BANKRUPTCY – IS IT ABOUT TO GET BETTER?

MORTGAGES AFTER BANKRUPTCY – IS IT ABOUT TO GET BETTER?

One of the leading questions that I receive while consulting with people is about the effect of bankruptcy on the ability to purchase a home in the future. Despite financial troubles, people tend to look ahead in their lives and see a brighter financial future. This can be especially true when they consider that they could be essentially debt free after many bankruptcies.

A recent article highlights the potential to quickly recover from a negative credit event in order to purchase a home:

http://www.wsj.com/articles/call-it-a-comeback-for-risky-home-buyers-1435185671

The Wall Street Journal article discussed the new lenders pouring into the mortgage market in order to fund home mortgages shortly after foreclosure, bankruptcy or other types of credit events. Typical waiting times for mortgages after such events are normally 2-4 years. According to the article, hedge funds and other private lenders have stepped into the void left behind by traditional lenders. These non-traditional lenders can approve a mortgage loan in just weeks after a foreclosure according the article. Often these lenders charge rates between 5-10% and require down payments of 25% for mortgage loans, well above traditional levels.

The service provided by these lenders is a valuable one. But like the subprime mortgage crisis that caused the financial turmoil of the last few years, it will be interesting to see if the loosening of lending standards causes a return of the high default rates of the past.

At Mickler & Mickler, we attend Court on a regular basis. We have the experience and knowledge to ensure that you receive the correct advice when confronted with difficult financial decisions related to filing bankruptcy. Contact us at 904.725.0822 orbkmickler@planlaw.com.

 

Bryan K. Mickler

The End of Stripping Second Mortgages in Jacksonville Bankruptcy

13802 Windsor Crown Ct E, Jacksonville, FL 32225

 

The End of Stripping Second Mortgages in Jacksonville Bankruptcy

 

It was fun while it lasted. For the past two years, the 11th Circuit decision of McNeal v. GMAC Mortgage LLC (In re McNeal), 2012 WL 1649853 (11th Cir. May 11, 2012), allowed lien-stripping of a wholly unsecured lien or second mortgage in chapter 7. However, the as the saying goes, “The party is over . . . “

 

This week, however, the Supreme Court voided the ability to strip second mortgages in Chapter 7 cases. Now, Chapter 13 may be the only avenue to obtain relief from the second mortgage. This option is still attractive if the first mortgage is subject to modification. I have previously written about modification of Mortgages through Chapter 13 in Jacksonville, FL bankruptcy:

 

https://www.planlaw.com/modification-of-mortgages-in-chapter-13-in-jacksonville-fl/

 

If you feel that you may benefit from a loan modification or any type of mortgage relief, contact our office at 904.725.0822 or bkmickler@planlaw.com for a free consultation.

 

Bryan Mickler

 

TAX REFUNDS AND DEBT COLLECTORS – IS IT ABOUT TO GET EASIER TO TAKE YOUR MONEY?

 

 

TAX REFUNDS AND DEBT COLLECTORS – IS IT ABOUT TO GET EASIER TO TAKE YOUR MONEY?

One of the leading causes of filing bankruptcy is having a judgment entered against an individual. In Florida, the entry of a judgment allows a judgment creditor up to 20 years to collect the debt, allows the judgment creditor to place liens on property and even garnish wages in certain instances.

Now it appears that some debt collectors feel that is not enough power. Recently, an article out of Indiana House of Representatives highlighted the aggressive nature of debt collection these days. The article can be found here: https://iga.in.gov/legislative/2015/bills/house/1358

This bill provides that if a debt has been reduced to a judgment in Indiana and the judgment has not been satisfied, set aside, or discharged in bankruptcy, the judgment creditor may garnish a state tax refund otherwise due to the debtor. The bill also allows a writ of garnishment to be electronically filed with the department of state revenue. The easy garnishment of the tax refund will deprive many needy families of a source of income that many rely upon for providing extra income for necessary expenses.

At this point the legislation is only related to Indiana State tax returns. However, the debt collection industry is very powerful at lobbying. It would not be at all surprising if similar legislation is introduced in other States and/or targets the federal refunds of State citizens. If you have a judgment against you, don’t wait until your wages or property are seized. Call our office today to see if the debt may be discharged in a bankruptcy procedure.

At Mickler & Mickler, we attend Court on a regular basis. We have the experience and knowledge to ensure that you receive the correct advice when confronted with difficult financial decisions related to filing bankruptcy. Contact us at 904.725.0822 orbkmickler@planlaw.com.

 

Bryan K. Mickler

 

 

New FHFA Rules May Help With Modification of Mortgages through Chapter 13 in Jacksonville, FL

 

Recently an article came out about loan buyers and some new requirements for attempting to modify delinquent mortgage loans prior to foreclosure. The article, found here:

http://www.wsj.com/articles/fannie-freddie-regulator-puts-new-rules-on-delinquent-loan-sales-1425318221

 

summarized the new Fannie Mae and Freddie Mac sale rules for delinquent mortgages.

It appears that Fannie Mae and Freddie Mac are preparing to auction a large portion of delinquent mortgage loans to private entities in order to recover some portion of the outstanding debt. The loan buyer would then be required to institute procedures for modifying the loan prior to foreclosing as part of the sale terms. It was interesting to note that according to the article, “Loan buyers also have the flexibility to take drastic steps to keep homeowners in place, such as by cutting mortgage principal balances, which Fannie and Freddie are largely prohibited from doing.” This has been a big problem in mortgage modifications in loans owned by a governmental agency since most of the loans are severely underwater. In some instances, the homeowners have received a modification designed to save the home from foreclosure, but have walked away due to the amount of debt on the property as related to the value.

If the loan buyers do follow through on actually working with families to save homes, reducing principal, extending terms and lowering interest rates, then the program could potentially save thousands of homes from being foreclosed. In the past, this type of relief has been hard to achieve as hedge fund investors have purchased the loans and looked to turn a quick profit by foreclosing on the homes in order to sell or rent them quickly.

Our office has worked for the last three years through the Bankruptcy Court Modification program. The results so far have been very positive if you compare the current system to the old “cure” plans that were required under the Bankruptcy Code. Under Chapter 13 (Section 1323(b)(2)), the Chapter 13 Plan may not modify the rights of lien holders secured by real estate that is the principal residence of the debtor. The same prohibition exists in Chapter 11 in § 1123(b)(5). These sections have been interpreted to mean that principal residence mortgages may not be “stripped down” to current value, may not have legitimate interest charges as allowed by the note and mortgage deleted from the account and also may not prohibit attorney’s fees and other charges if allowed by the note and mortgage. The end result was that many people were unable to save their home from foreclosure due to a variety of factors.

Take, for instance, a hypothetical example of a couple who went to a foreclosure defense firm prior to the mediation program. The foreclosure defense firm may have been able to stall the foreclosure process due to the backlog in the court system. Eventually, however, the home will be severely delinquent and a summary judgment hearing will be looming. At this point, many foreclosure defense firms would have simply told the couple to plan on moving out shortly. Or that firm may have recommended to the couple to file Chapter 13. However, due to the delay in the filing of the Chapter 13 case, the arrearages under the old “cure” Chapter 13 would have been too large to cure while trying to maintain the regular mortgage payments each month. Not only did the foreclosure defense serve only to delay the inevitable, it also made a cure plan impossible.

HAMP Program now in use by the Jacksonville Bankruptcy Courts

In December of 2011, the Jacksonville Bankruptcy Courts began a HAMP modification program in Chapter 13 cases. The program is a voluntary mediation program that was modeled after successful programs in Orlando and Tampa Bankruptcy Courts. The program cannot force the mortgage company to modify a loan. But, it does provide a process to obtain a HAMP modification through a mediation session with a federally appointed mediator. The great benefit of the program is that it is run through the Federal Bankruptcy Court and is subject to the Mediation Order issued by the Bankruptcy Judge. If the mortgage company fails to cooperate or does not offer a HAMP modification to an otherwise qualified candidate, that mortgage company may be subject to sanctions.

In fact, statistically, our office has seen great success in obtaining modifications, either through HAMP or an “in house” program offered by the servicer. Each financial situation is different, so a full evaluation of your particular eligibility for the modification program must be performed prior to any recommendation to attempt to obtain a modification through Chapter 13.

HAMP Eligibility

To be eligible for HAMP, a homeowner must owe less than $729,750 on a one-unit property, have established the mortgage prior to January 1, 2009, and have monthly mortgage payment greater than 31 percent of his monthly gross income. Also, a homeowner must be able to provide documentation indicating that he is facing a serious financial hardship as a result of his mortgage. Our office has a full-time person devoted to making sure that your paperwork is organized and prepared properly prior to submission to the mortgage servicer. Based on our experience, the paperwork component of the modification process is the step that most denials have been based upon outside of Chapter 13. Without the experience of a dedicated staff member and multiple past modifications, it is simply too difficult to put together a complete modification package. We utilize a court approved website which serves as a deposit site for all mortgage related documents provided to the mortgage servicer. No More lost documents!!

Once our office has obtained your package, the mediation session is set up to provide a decision on the modification request. Typically, the mediation session is held about 45 days after the modification package has been presented. The mediation session is held at our office with the mortgage company on the phone and generally lasts about 20 minutes. The mediator is present during the mediation session and will guide the parties through the process in order to ensure that each side has a chance to present whatever documentation and testimony is needed. A modification is usually offered at the mediation session or at a follow up phone conference to be held within two weeks of the mediation session.

There are also instances where the modification is denied at the mediation session. Normal reasons for denial are that the mortgage payment is currently low enough to be below the 31% of gross income, the borrower does not currently have income to support the modified payment amount needed or that the Net Present Value of the home is greater through foreclosure.

The mortgage modification process has been extremely beneficial to those people who qualify for HAMP treatment on their principal residence. With the benefit of judicial oversight and attorney involvement on by both the borrower and lender, more modifications have been obtained through the Chapter 13 loan modification program. While no modification can be guaranteed, you can at least have your modification application reviewed by mortgage company and expect to receive a written approval or denial instead never receiving any response. If you feel that you may benefit from a loan modification or any type of mortgage relief, contact our office at 904.725.0822 for a free consultation.

Bryan Mickler

bkmickler@planlaw.com

2015 Bankruptcy Filings Predictions

BANKRUPTCY PREDICTIONS FOR 2015

            In my 2014 Blog on the state of bankruptcy filings, I discussed the causes of bankruptcy filings and how it was related to the availability and amount of consumer credit. That article is here: https://www.planlaw.com/bankruptcy-predictions-2014-beyond/

            Now with 2015 upon us, how is the model of cause and effect playing out? In 2014 it appeared that short term credit was rising which was expected to push down filing rates. As expected, the 2014 numbers show a 12% decline in bankruptcy filings compared to 2013. http://www.acainternational.org/creditors-bankruptcy-filings-decrease-by-12-percent-in-2014-34672.aspx

            So how is 2015 going to compare to 2014? It appears that consumer debt is still rising. This article shows that consumer debt increased by over 3% in the third quarter of 2014, or almost $15 Billion. http://www.ttnews.com/articles/basetemplate.aspx?storyid=36997

      As expected, after the short term credit bulge, delinquencies are starting to rise. The subprime auto market is especially vulnerable to a dramatic rise in delinquency rates. http://www.wsj.com/articles/car-loans-see-rise-in-missed-payments-1420768083

            So based on the availability of credit, what can we expect for 2015? Based on the below chart, it appears that consumer credit has been steadily increasing since 2011 at approximately 4-8% a year. At that rate, the bankruptcy filings should start to pick up during 2015 and accelerate in 2016. This would coincide with a greater amount of consumer debt levels and the gradual tightening of the credit markets as delinquencies start to increase. Of course, real wages remain flat for most workers, making any increased expense difficult to handle. It will be interesting to see if the historical trends continue with the current tepid recovery that has been ongoing in the job market.

Consumer Credit Outstanding 1

Seasonally adjusted. Billions of dollars except as noted.

 YearQuarterMonth
 20132014
 20092010201120122013Q3Q4rQ1rQ2Q3rSeprOctrNovp
Total percent change (annual rate)2-3.9-1.04.16.26.06.35.46.68.26.76.25.95.1
Revolving-8.8-7.60.20.61.30.92.01.86.32.92.12.0-1.3
Nonrevolving 3-1.02.75.98.67.98.56.78.59.08.17.77.37.5
Total flow (annual rate)2,4-103.6-25.3108.5169.7174.3190.6164.7205.7259.6214.6200.8191.6169.0
Revolving-88.0-69.71.84.910.97.517.115.754.425.818.817.7-11.4
Nonrevolving 3-15.744.4106.8164.7163.4183.1147.6190.0205.2188.8181.9173.9180.3
Total outstanding2,552.82,647.42,755.92,923.63,097.93,056.73,097.93,149.33,214.23,267.93,267.93,283.93,297.9
Revolving916.8840.0841.7846.7857.6853.3857.6861.5875.1881.6881.6883.1882.1
Nonrevolving 31,636.11,807.41,914.22,076.92,240.32,203.42,240.32,287.82,339.12,386.32,386.32,400.82,415.8

 

At Mickler & Mickler, we attend Court on a regular basis. We have the experience and knowledge to ensure that you receive the correct advice when confronted with difficult financial decisions related to filing bankruptcy. Contact us at 904.725.0822 orbkmickler@planlaw.com.

 

Bryan K. Mickler

 

REVERSE MORTGAGES AND CHAPTER 13: CAN I SAVE MY INHERITED PROPERTY?

 

REVERSE MORTGAGES AND CHAPTER 13 BANKRUPTCY: HOW TO SAVE YOUR INHERITED HOME

            By now, everyone has seen the flood of reverse mortgage advertisements which have appeared on television. Celebrity spokespersons invite you to put a reverse mortgage on your home to pay off your existing mortgage and never make a mortgage payment again if you are over 62 years old. Many of you may have a parent who has taken advantage of a reverse mortgage in order avoid mortgage payments while on a fixed income.

            Reverse mortgages are great for eliminating mortgage payments on homestead property, while preserving income during retirement. Generally, a reverse mortgage is not payable until sale of the property or death of the mortgagor. The homeowner is responsible for payment of all taxes and insurance on the property while the reverse mortgage is in place.

            So what happens after the death of the homeowner when a reverse mortgage has been taken out against a property? Typically, the lender will allow the heirs a period of time to repay the original principal amount and all accrued interest. Normally, this period of time is a year. The problems come in when the heirs want to keep the home, but cannot qualify for a mortgage to pay off the reverse mortgage. This may be due to credit score issues, lack of equity in the home or if the probate of the home has not been completed.

            So what is an heir to do to save the inherited home? Recent Bankruptcy Court cases suggest that Chapter 13 may be a legitimate option. Several recent Chapter 13 cases have dealt with the situation above, i.e. that an heir is trying to save a home they live in and inherited, which is subject to a reverse mortgage. See Fannie Mae v. Griffin (In re Griffin), 489 B.R. 638, 642 (Bankr.D.MD 2013) and cases cited therein.

            The above case and the cases cited by the Maryland Court hold that an heir may file a Chapter 13 bankruptcy to protect the home. Since the mortgage has expired and is due and payable in full prior to the end of the Chapter 13 Plan, the home mortgage may be modified to change the balance, interest rate and term of the mortgage. This means that a home on which a reverse mortgage is owed $80,000.00, but is only worth $29,000, may be valued at $29,000.00 by an heir and paid off over the five (5) year term of a Chapter 13 Plan. If the Court approves the Plan, the heir will own the home after 5 years for $29,000.00, with the remainder treated as an unsecured claim.

            If you find yourself facing the loss of your inherited property due to a reverse mortgage which has matured, give us a call to discuss your rights. You may be able to save the home through a Chapter 13. You may even be able to strip down the amount owing on the home.

At Mickler & Mickler, we attend Court on a regular basis. We have the experience and knowledge to ensure that you receive the correct advice when confronted with difficult financial decisions related to filing bankruptcy. Contact us at 904.725.0822 orbkmickler@planlaw.com.

 

Bryan K. Mickler

Credit Unions and Bankruptcy

BANKRUPTCY AND CREDIT UNIONS

            Over the many years of filing every Chapter of bankruptcy for people, one thing has remained constant – people really like their credit union accounts. I have clients come in who have been with Vystar or Navy Federal for years and don’t want to include such debts in any bankruptcy filing. We always end up talking about the same thing in every meeting: “Will I lose my credit union account?”.

            The short answer is “Yes, if the credit union will lose money when you file.” Typically, a person will come in with a credit card, a car loan and maybe a signature loan through a credit union. They would like to keep the car, but discharge the credit card and signature loan. That is easily accomplished through a Chapter 7 or Chapter 13 filing, but the credit union will close any checking or savings accounts held by the individual. Why does this happen? Credit unions are member owned, as you often hear in advertisements. That means if the credit union takes a loss on a member, that member hurts all other members. Until the loss is cured or made up by the member, the credit union will normally deny membership privileges.

            What can be done to make things a little easier for the client looking to file a bankruptcy and discharge credit union debt? First, consult with experienced bankruptcy counsel to make sure that you receive appropriate advice regarding the problems with a credit union account after bankruptcy. There is nothing worse than having no access to a direct deposited paycheck and trying to pay bills. Not to mention trying to open a bank account with an open bankruptcy filing. Second, make sure that you open any new bank or credit union accounts prior to filing a bankruptcy and move any direct deposits or debits to the new account. A lot of frustration and aggravation can be avoided with just a little planning. Contact our office if you have other questions regarding a credit union account during a bankruptcy filing.

          At Mickler & Mickler, we attend Court on a regular basis. We have the experience and knowledge to ensure that you receive the correct advice when confronted with difficult financial decisions related to filing bankruptcy. Contact us at 904.725.0822 or bkmickler@planlaw.com.

 

Bryan K. Mickler

Bankruptcy Saving Lives!!!

 

BANKRUPTCY SAVING LIVES!!

A new study finds that bankruptcy filers make more money and live longer than those who were denied such protection, Fortune Magazine reported today. In a working paper released Monday by the National Bureau of Economic Research, economists Will Dobbie and Jae Song examine 500,000 bankruptcy filings in the U.S. to measure the effect of bankruptcy laws on consumers. They found that the Bankruptcy Code is an effective social insurance policy. According to their findings, getting approved for chapter 13 bankruptcy protection “increases annual earnings by $5,562, decreases five-year mortality by 1.2 percentage points, and decreases five-year foreclosure rates by 19.1 percentage points.”

 See the entire article here: http://fortune.com/2014/09/30/bankruptcy-law-inequality-income/

At Mickler & Mickler, we attend Court on a regular basis. We have the experience and knowledge to ensure that you receive the correct advice when confronted with difficult financial decisions related to filing bankruptcy. Contact us at 904.725.0822 orbkmickler@planlaw.com.

Bryan K. Mickler

FDCPA Violations for Proofs of Claims in Chapter 13 Cases

FDCPA Claims in Chapter 13 for Stale Proof of Claims

I have previously written about the potential for FDCPA claims after filing for bankruptcy and having a debt collector contact you regarding a debt that was discharged in the bankruptcy filing.

https://www.planlaw.com/bankruptcy-and-the-fair-debt-collection-practices-act-understanding-your-consumer-rights/

Essentially, the attempt to collect a debt that had been discharged in a previous filing was generally a violation of the FDCPA since the FDCPA prevents the collection of debts not owed by a consumer. Our office has vigorously defended the attempts to collect discharged debt for the past several years from collectors looking to pay pennies on the dollar for old debt in hopes that it could be collected. Most collectors never bother to check the status of the debt, previous settlements, bankruptcy or any other factor which may make a debt uncollectible. Instead, the collector just purchases a set of accounts and begins collection activity immediately. For a shocking look at the business of selling collection accounts check out this story: http://www.nytimes.com/interactive/2014/08/15/magazine/bad-paper-debt-collector.html

Another method of attempting to collect debts which are not collectible by collectors is to actually chase people after they have filed for Chapter 13. There is a huge business of selling debt to collectors by the original creditor after a person has filed for Chapter 13 relief. The collectors buy the debt for pennies on the dollar, file a claim for the full amount and hope to make more from the Chapter 13 payoff than they paid for the account. If they weren’t making money this way, the collectors would not continue to buy the accounts and file claims.

 One reason the bankruptcy accounts can be so cheap is that they can be very old. Recently, I have seen claims from the 1990s filed in Chapter 13 cases. Claims continue to be filed by collectors long past the date that the law allows them to be collected. In Florida, the statute of limitations for claims is five (5) years from the date of the default.

 Recently, the 11th Circuit Court of Appeals in Atlanta issued an opinion which may finally put an end to the practice of filing stale claims in Chapter 13 cases. Crawford v. LVNV Funding, http://law.justia.com/cases/federal/appellate-courts/ca11/13-12389/13-12389-2014-07-10.html

 Crawford found that filing a Proof of Claim in a Chapter 13 case for a debt which is uncollectible under a State statute of limitations was a violation of the FDCPA. When a debt collector violates the FDCPA, they are responsible for the up to $1,000.00 in damages and attorney’s fees and costs. Damages may be doubled if the State Statute regulating collection has also been violated. Our office has been actively checking all proofs of claims in every Chapter 13 case that we have filed in the past two years to determine if there have been claim violations. This effort will, hopefully, result in recoveries for our Chapter 13 clients, increased distributions to legitimate creditors and possibly shorter plan periods for some clients.

 If you feel that you may benefit from a Chapter 13 filing or a review of claims in your case, contact our office at 904.725.0822 for a free consultation.

Bryan Mickler

bkmickler@planlaw.com

Modification of Mortgages through Chapter 7 in Jacksonville, FL – What’s Not to like?

 

 

Modification of Mortgages through Chapter 7 in Jacksonville, FL – What’s Not to like?

I have previously written about the mortgage modification program in Chapter 13 that was been available in the Jacksonville Division of the Bankruptcy Court for the past two years. https://www.planlaw.com/modification-of-mortgages-in-chapter-13-in-jacksonville-fl/

The program has been a great success for many homeowners who have come to our office to save their homes. Instead of having to cure many months or years of arrearages over the life of the Chapter 13 Plan, the homeowners have been able to modify the mortgages and cure the arrears over the life of the mortgage loans. The program has also lowered interest rates and allowed longer terms for mortgages in order to make payments more affordable and save homes.

 Recently, the Court expanded the program to include Chapter 7 filings to be eligible for mortgage modification relief. The announcement can be found here:

https://ecf.flmb.uscourts.gov/announcements/MemorandumforExternalWebsitereDistrictMMMprocedureswithsampleorderforemailblast.pdf

To be eligible for HAMP modification in a Chapter 7 or Chapter 13 (or even a Chapter 11 case), a homeowner must owe less than $729,750 on a one-unit property, have established the mortgage prior to January 1, 2009, and have monthly mortgage payment greater than 31 percent of his monthly gross income. Also, a homeowner must be able to provide documentation indicating that he is facing a serious financial hardship as a result of his mortgage. In house modifications have significantly broader eligibility criteria limited only by the investor for the loan.

So what is not to like about the prospect of a mortgage modification through Chapter 7? To understand the potential traps in a Chapter 7 modification program, it is necessary to understand how Chapter 7 and Chapter 13 differ.

Initially, the Chapter 7 has no Plan or payment to the mortgage company. This means that the mortgage company is receiving no potential trial payments and has no real understanding of what a homeowner considers 31% of their income – the normal trial period payment. Secondly, the Chapter 7 process is over in approximately 90 days. This means that a homeowner will lose all protection from foreclosure after 90 days when a discharge has been entered. In a Chapter 13, the stay is in effect for several months while estimated trial payments are being made to a Chapter 13 Trustee and a modification is being reviewed by the mortgage servicer. No foreclosure can commence or resume as long as the Chapter 13 payments are being made to the Trustee.

Finally, remember that modifications are voluntary. There is no forced modification under Chapters 7, 11 or 13 of the Bankruptcy Code for homestead property. If the normal modification process takes 6-9 months – what protection does a homeowner have once a Chapter 7 discharge has been entered? Mortgage companies routinely foreclose on homeowners who have modification applications pending. Just do an internet search for the horror stories related to modifications outside of bankruptcy and lost houses.

It will be interesting to see how the Chapter 7 modification process will work out over the next few months or years. My fear is that many homeowners will see Chapter 7 as an easy way to modify the mortgage on their home. This will lead to significantly lower Chapter 13 filing rates in the next few months, as home modifications are the main reason to file Chapter 13. However, will we see a great loss of homes as a result of this shift in filings? Based on past experience, I fear that will be the result.

If you are seeking to modify your home mortgage through a Chapter 7 or Chapter 13, make sure that the attorney who you are dealing with can answer the above questions regarding protection after the discharge, foreclosure during a modification and ability to save a home in default after discharge when the mortgage company refuses payments. All of these are critical to deciding if a Chapter 13 or Chapter 7 is the appropriate Chapter to file in your situation.

 If you feel that you may benefit from a loan modification or any type of mortgage relief, contact our office at 904.725.0822 for a free consultation.

Bryan Mickler

bkmickler@planlaw.com