It is an important question to consider now that we know:

• Florida has the highest foreclosure rate in the country.
• Florida licensed thousands of convicted felons to become mortgage brokers during the real estate boom.
• Many banks pushed high risk, high costs loans on unsuspecting borrowers in violation of federal and state banking regulations.
• Wall Street lost track of its paperwork when it packaged thousands of mortgages to be resold as securities.

Barakat, Jacobs & Associates provides informed, practical advice for homeowners that want to negotiate from a position of strength.
Bruce Jacobs and Brian Barakat are former bank lawyers and economic crimes prosecutors now fighting for the homeowner.

Negotiate from a Position of Strength
The truth is the Government imposes strict regulations on Banks.  Barakat, Jacobs & Associates investigates your loan for:

• Lost Promissory Note or Assignment defenses
• Bad loan origination
• Inaccurate loan servicing
• Truth In Lending Act Violations (TILA)
• Home Owner’s Equity Protection Act (HOEPA)
• Real Estate Settlement Practices Act (RESPA)

There is help coming for Homeowners unless they lose their home to foreclosure

• Bankruptcy reform is pushing through congress that gives you the added threat that a judge could rewrite your loan
• Banks are under tremendous pressure to avoid lengthy foreclosures
• Federal Bank Regulators are searching for ways to force the bank to accept reasonable offers to jumpstart the economy

Are you upside-down?
The attorneys at Barakat, Jacobs & Associates  can fight your foreclosure and negotiate your:

• Loan Modification
• Short sale
• Walk-away workout
• Debt forgiveness
• Credit Repair

Negotiate from a position of strength.

Call Barakat, Jacobs & Associates, P.L. for a consultation or send us an e-mail. We can evaluate your case today.