Can I Pay a Family Member to Be My Caregiver?
Video Summary
Can I pay a family member to be my caregiver? The answer is yes you can and it’s called a personal services contract and is used to help qualify people for Medicaid. If you would like to see about qualifying for Medicaid I suggest that you give my office a call and ask to speak to Jaleh or Thomas Mitchell. They do elder law and are familiar with and can provide you with a personal services contract. It’s important that you do sign a contract for paying a relative for your personal care because if you do not, and then when you pass away, they will have a difficult time receiving any compensation from your estate for their services because they are not liquidated. We do not know how much you have agreed to pay them and furthermore it is presumed, if they are a family member that they were doing it for love rather than for money.
So, if you would like to set up a personal services contract, give my office a call and ask to set up an appointment with Jaleh and/or Mr. Mitchell and they will be glad to prepare the contract for you.
Give us a call at 847-2288.
- Published in Medicaid Planning, Videos
How Long Do I Have to Wait to Qualify for a New Mortgage After a Short Sale?
Video Summary
How long do I have to wait before I can obtain a mortgage if I sell my property in a short sale? You have to wait at least a minimum of two years before you are able to apply for a mortgage if you have been foreclosed by a federally insured lending institution. Some lenders may require a longer waiting period than two years but that’s the minimum and you need to of course have your credit recover since that period of time. There is certainly no harm in applying to refinance or obtain a mortgage on your home after a short sale.
So if you have any questions about that, well give me a call at 847-2288.
- Published in Real Estate - Foreclosure, Videos
Can I Dispute a Foreclosure Action on My Home?
Video Summary
Can I dispute a foreclosure action on my home? The answer to that is yes you can. In Florida we are a judicial foreclosure state, which means that the person who holds your mortgage, must file a lawsuit called a mortgage foreclosure action against you and you will be served with the papers. That is usually done by a process server. The summons provides that you have 20 days in which to respond. That is the best time to engage an attorney and to file a response. That is how you dispute the mortgage foreclosure action in the event that there is some allegation in the complaint that is not correct.
So if you want to dispute it and try and save your home, the courts have set up what they call mediation. And you can take advantage of mediation once you receive the summons and ask the court to send you to a mediator which will be automatic. If you want to participate in mediation to try and resolve the foreclosure action, you need to file certain paperwork such as your financial statements to send to the lender. If the foreclosure action is just flat wrong and you have made all your payments and you are not in default well then the attorney would file an answer to the complaint. I think that you would be well served by hiring a lawyer to handle this because you are governed by the rules of civil procedure and it would be an expense to you. But that’s the best way to bring forward any defenses you have to a mortgage foreclosure action.
So the best time to defend a mortgage foreclosure action as soon as you receive the summons which has attached to it the mortgage foreclosure complaint. We do any number of foreclosure defense cases and attempt to get mortgage modifications, participate in mediation as well as defend and try mortgage foreclosure cases to try and save your home for you.
If you have any questions, give me a call at 727-847-2288.
- Published in Real Estate - Foreclosure, Videos