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Tampa's Best Attorneys: 1112 East Kennedy Boulevard. * Tampa, FL 33602 * T 813.222.8210 * F 813.222.8211
www.Galewski.com
www.GalewskiTitle.com
Call us about BP Oil Claims - A new claims window has just opened. If you have not made a claim and your income has suffered over the time of the oil
spill, you may be eligible for to recover your lost commission, wages, profit or earnings.
Recent Updates to the Web Page:
1. Chapter 13 Bankruptcy updates including buying a home after Chapter 13, refinancing or paying off your bankruptcy payment plan early, and how
to remove a second mortgage in bankruptcy are available on www.Galewski.com/chapter13.html
2. Chapter 7 updates including income limitations in Chapter 7, rebuilding credit after a bankruptcy, and buying a home after chapter 7 with FHA loan
or conventional mortgage or other loans is available at www.Galewski.com/chapter7.html
3. Divorce updates including how to manage on one income after divorce, family law updates for Tampa, and changes to child time sharing ad
visitation based on Tampa Judges is available at www.Galewski.com/Tampa-Divorce-Lawyer.html
4. The Federal guidelines for the income threshold for a chapter 7 bankruptcy and the means test will change again on April 1, 2013. If you are
contemplating a bankruptcy you should speak with a bankruptcy attorney soon to see if the changes impact you ability to file or decrease your possible
payments in a chapter 13 bankruptcy.
5. Check out our new videos for Shortsales, Car Accidents, Bankruptcy Criminal Defense, Divorce Law, Foreclosure
d. Learn about BP Oil Spill Claims on our new BP and Insurance Claim page
Bankruptcy News Articles and Updates:
Press Release: The latest Foreclosure Abuse Agreement between 14 of the largest banks and various government
agencies was designed to end the Government review of robo-signing, bad mortgage fees and accounting and other bad
acts that may have lead to foreclosure for people that should have been granted a modification or some other assistance.
The new settlement has not yet been finalized but is designed to help current and past mortgage holders with new
modifications, cash payments, principal reductions of other assistance. The oversight committee will create various
categories of people that qualify for the assistance and carry out implementation of the settlement over the next year as a
the details of the settlement are finalized. As details are released we will create a new area of the web page to help
people navigate the settlement and to determine if their mortgage qualifies for assistance.
As part of this agreement Bank of America BOA will transfer more the servicing of more than $250,000,000,000 worth of
mortgages to nationstar and other mortgage servicers. This could delay some short sales and frustrate work already done
by many on modifications. Ultimately this could prolong the mortgage crises by taking a company that finally has a system
down and overwhelming new companies with a tremendous amount of work. The counter action that we must take is to be
diligent with each of our short sale and mortgage modification files. Please contact us to see how this may impact your
distresses property case.
Press Release: Marshal Watson, the head of one of Florida's largest foreclosure mills has agreed to a 91 day suspension
over the robo-signing debacle. The deal made with the Florida Bar Association over Watson's failure to supervise the
associates and staff handling many of the foreclosure cases must still be approved by the Florida Supreme Court, but
could have an impact on a number of foreclosure cases. Many of these cases may be transferred to other firms, or
Marshall Watson, P.A. may spilt up and the cases may be taken with associates eager to start their own firms. If this is the
case the new firms may want to work quickly to show that they can improve service and maintain the bank clients after
Watson is reinstated. We cannot stress the importance of having each document received in your foreclosure case
reviewed by and attorney. To discuss your mortgage, short sale or foreclosure please contact us for a free consultation.
PRESS RELEASE: The Federal Housing Finance Agency Has decided that it does not have the authority to approve
mortgage modifications with principal reduction. We can still help you attempt to convince your bank to reduce principal or
do a short sale, but Frannie Mae, and Freddie Mac will not consider reducing principal on your property while you keep the
property.
www.Galewski.com
www.GalewskiTitle.com
Call us about BP Oil Claims - A new claims window has just opened. If you have not made a claim and your income has suffered over the time of the oil
spill, you may be eligible for to recover your lost commission, wages, profit or earnings.
Recent Updates to the Web Page:
1. Chapter 13 Bankruptcy updates including buying a home after Chapter 13, refinancing or paying off your bankruptcy payment plan early, and how
to remove a second mortgage in bankruptcy are available on www.Galewski.com/chapter13.html
2. Chapter 7 updates including income limitations in Chapter 7, rebuilding credit after a bankruptcy, and buying a home after chapter 7 with FHA loan
or conventional mortgage or other loans is available at www.Galewski.com/chapter7.html
3. Divorce updates including how to manage on one income after divorce, family law updates for Tampa, and changes to child time sharing ad
visitation based on Tampa Judges is available at www.Galewski.com/Tampa-Divorce-Lawyer.html
4. The Federal guidelines for the income threshold for a chapter 7 bankruptcy and the means test will change again on April 1, 2013. If you are
contemplating a bankruptcy you should speak with a bankruptcy attorney soon to see if the changes impact you ability to file or decrease your possible
payments in a chapter 13 bankruptcy.
5. Check out our new videos for Shortsales, Car Accidents, Bankruptcy Criminal Defense, Divorce Law, Foreclosure
d. Learn about BP Oil Spill Claims on our new BP and Insurance Claim page
Bankruptcy News Articles and Updates:
Press Release: The latest Foreclosure Abuse Agreement between 14 of the largest banks and various government
agencies was designed to end the Government review of robo-signing, bad mortgage fees and accounting and other bad
acts that may have lead to foreclosure for people that should have been granted a modification or some other assistance.
The new settlement has not yet been finalized but is designed to help current and past mortgage holders with new
modifications, cash payments, principal reductions of other assistance. The oversight committee will create various
categories of people that qualify for the assistance and carry out implementation of the settlement over the next year as a
the details of the settlement are finalized. As details are released we will create a new area of the web page to help
people navigate the settlement and to determine if their mortgage qualifies for assistance.
As part of this agreement Bank of America BOA will transfer more the servicing of more than $250,000,000,000 worth of
mortgages to nationstar and other mortgage servicers. This could delay some short sales and frustrate work already done
by many on modifications. Ultimately this could prolong the mortgage crises by taking a company that finally has a system
down and overwhelming new companies with a tremendous amount of work. The counter action that we must take is to be
diligent with each of our short sale and mortgage modification files. Please contact us to see how this may impact your
distresses property case.
Press Release: Marshal Watson, the head of one of Florida's largest foreclosure mills has agreed to a 91 day suspension
over the robo-signing debacle. The deal made with the Florida Bar Association over Watson's failure to supervise the
associates and staff handling many of the foreclosure cases must still be approved by the Florida Supreme Court, but
could have an impact on a number of foreclosure cases. Many of these cases may be transferred to other firms, or
Marshall Watson, P.A. may spilt up and the cases may be taken with associates eager to start their own firms. If this is the
case the new firms may want to work quickly to show that they can improve service and maintain the bank clients after
Watson is reinstated. We cannot stress the importance of having each document received in your foreclosure case
reviewed by and attorney. To discuss your mortgage, short sale or foreclosure please contact us for a free consultation.
PRESS RELEASE: The Federal Housing Finance Agency Has decided that it does not have the authority to approve
mortgage modifications with principal reduction. We can still help you attempt to convince your bank to reduce principal or
do a short sale, but Frannie Mae, and Freddie Mac will not consider reducing principal on your property while you keep the
property.
| Home Practice Areas Tampa Lawyers Contact Disclaimer Links Tampa Bankruptcy Forum Tampa Divorce Forum Privacy Policy |
Tampa Attorneys at the Galewski Law Group, P.A. are pleased to announce the opening of our new office
at 1112 E. Kennedy Blvd, Tampa FL 33602.
Our Tampa Attorneys have a goal oriented approach to the law, with a focus on Bankruptcy, Mortgage
Modification, Foreclosure Defense, Marital, Divorce and Family Law, Sinkhole Claims, Criminal, DUI &
Ticket Defense, Real Estate & Title Services, Personal Injury & Accidents, Insurance Claims, Storm
Damage, BP Claims, Small Business & Corporations and General Litigation. Your Tampa Attorney invites
you to review the information throughout this website and to contact us for a free consultation in person or
over the phone. We cannot stress enough the importance of calling an attorney before it gets too far.
Our new office is located on the corner of East Kennedy Boulevard and Nebraska in Downtown Tampa
right near the Courthouse & Channelside. Our two parking lots offer free parking with easy access to the
Leeroy Selmon Crosstown Expressway, I-4 and 275. Call or stop in today to see how we can help you.
at 1112 E. Kennedy Blvd, Tampa FL 33602.
Our Tampa Attorneys have a goal oriented approach to the law, with a focus on Bankruptcy, Mortgage
Modification, Foreclosure Defense, Marital, Divorce and Family Law, Sinkhole Claims, Criminal, DUI &
Ticket Defense, Real Estate & Title Services, Personal Injury & Accidents, Insurance Claims, Storm
Damage, BP Claims, Small Business & Corporations and General Litigation. Your Tampa Attorney invites
you to review the information throughout this website and to contact us for a free consultation in person or
over the phone. We cannot stress enough the importance of calling an attorney before it gets too far.
Our new office is located on the corner of East Kennedy Boulevard and Nebraska in Downtown Tampa
right near the Courthouse & Channelside. Our two parking lots offer free parking with easy access to the
Leeroy Selmon Crosstown Expressway, I-4 and 275. Call or stop in today to see how we can help you.
Tampa Bankrupcty Attorney 1112 East Kennedy Boulevard, Tampa Fl 33602, Galewski Law Group, P.A.
Is there Life a After Bankruptcy, Divorce or a Short Sale? Yes. Any legal process including divorce, short sale or bankruptcy can have an impact on your credit. With our new series we will
be annotating our web page with information on the credit impact from bankruptcy, short sales and divorce. Typically it is not the shortsale, divorce or bankruptcy itself that creates the problem but
the collateral or indirect impact from related items. The short answer is that over the years we have developed methods to help you rebuild your credit, financial affairs and your world quickly with
after most legal matters,including bankruptcy, shortsale or divorce. With our new advice section, we will be bringing in links to friends in support businesses such as finance, mortgages, real estate
and family counseling.
The Galewski Law Group provides Chapter 7, Chapter 11 and Chapter 13 bankruptcy, foreclosure defense, mortgage modification, Divorce, Personal Injury and Accident representation to clients
throughout the Tampa Bay Area in cities that include Tampa, Clearwater, Tarpon Springs, St. Petersburg, Palm Harbor, Dunedin, Lutz, Holiday, Safety Harbor, Oldsmar, Sarasota, Crystal Beach,
Bradenton, Brandon, Plant City, Trinity, Lakeland, Spring Hill, New Port Richey, Port Richey, Largo, Seminole, Pinellas Park, Ozona and throughout Hillsborough County, Pinellas County, Manatee
County, Pasco County, Polk County, Sarasota County and Hardee County
be annotating our web page with information on the credit impact from bankruptcy, short sales and divorce. Typically it is not the shortsale, divorce or bankruptcy itself that creates the problem but
the collateral or indirect impact from related items. The short answer is that over the years we have developed methods to help you rebuild your credit, financial affairs and your world quickly with
after most legal matters,including bankruptcy, shortsale or divorce. With our new advice section, we will be bringing in links to friends in support businesses such as finance, mortgages, real estate
and family counseling.
The Galewski Law Group provides Chapter 7, Chapter 11 and Chapter 13 bankruptcy, foreclosure defense, mortgage modification, Divorce, Personal Injury and Accident representation to clients
throughout the Tampa Bay Area in cities that include Tampa, Clearwater, Tarpon Springs, St. Petersburg, Palm Harbor, Dunedin, Lutz, Holiday, Safety Harbor, Oldsmar, Sarasota, Crystal Beach,
Bradenton, Brandon, Plant City, Trinity, Lakeland, Spring Hill, New Port Richey, Port Richey, Largo, Seminole, Pinellas Park, Ozona and throughout Hillsborough County, Pinellas County, Manatee
County, Pasco County, Polk County, Sarasota County and Hardee County
Bankruptcy Chapter 7 v 13
Each Bankruptcy consists of the same basic tests:
Liquidation Analysis and the Means Test. In either
bankruptcy you must first perform a liquidation analysis to
determine if you have assets above the exemption level,
or the amount that you are allowed to keep. If you have
assets above the exemption amount, you may either
surrender them or pay their value over time. If you need
only a few months to pay a chapter 7 bankruptcy may
work. If you need more time a chapter 13 bankruptcy may
give you up to 60 months.
The means test is a test of average income. If your
household income exceeds the mean or average for your
area you may be considered to have discretionary income
and may be required to turn over the excess or
discretionary income over as much as 60 months in a
chapter 13 bankruptcy. If you do not have discretionary
income, by the Bankruptcy Means Test, and not in reality,
you may file either a chapter 7 or 13. Note that there are
very intricate details to review in determining what type of
bankruptcy to file or even if you should file. Please
contact our bankruptcy lawyers for a free consultation.
Each Bankruptcy consists of the same basic tests:
Liquidation Analysis and the Means Test. In either
bankruptcy you must first perform a liquidation analysis to
determine if you have assets above the exemption level,
or the amount that you are allowed to keep. If you have
assets above the exemption amount, you may either
surrender them or pay their value over time. If you need
only a few months to pay a chapter 7 bankruptcy may
work. If you need more time a chapter 13 bankruptcy may
give you up to 60 months.
The means test is a test of average income. If your
household income exceeds the mean or average for your
area you may be considered to have discretionary income
and may be required to turn over the excess or
discretionary income over as much as 60 months in a
chapter 13 bankruptcy. If you do not have discretionary
income, by the Bankruptcy Means Test, and not in reality,
you may file either a chapter 7 or 13. Note that there are
very intricate details to review in determining what type of
bankruptcy to file or even if you should file. Please
contact our bankruptcy lawyers for a free consultation.
Family Law - Divorce
Tampa Divorce Lawyers at the Galewski Law Group, P.A.
take a frank yet caring approach to your family law case.
We will carefully analyze your situation and give a
reasonable expectation for the outcome. We are not know
for false predictions and will be honest about what you can
expect from the legal process, child custody disputes,
alimony expectations and equitable distribution of marital
assets. In this economy, more so than ever, we see other
lawyers pushing for a fight and making unsubstantiated
demands for their clients just to run up a bill.
We recommend that you run from these people. You need
a Divorce Lawyer that can be upfront and frank with you;
someone that can tell you the good side as well as the bad
side. Even though we give you reasonable expectations
we will do everything to fight for your rights and to push for
what you believe is a fair outcome.
Your Tampa Divorce Attorney at the Galewski Law Group,
P.A. will fight hard for you, but will give you a set guideline
that your judge will likely use. We will use this guideline to
push your case to settle in a cost effective manner and with
the least disturbance to you and your children as possible.
This approach will help you to save a significant amount of
legal fees but will also get you the results that you deserve.
To learn more about Your Family Law Rights:
Divorce and Family Law
Tampa Divorce Lawyers at the Galewski Law Group, P.A.
take a frank yet caring approach to your family law case.
We will carefully analyze your situation and give a
reasonable expectation for the outcome. We are not know
for false predictions and will be honest about what you can
expect from the legal process, child custody disputes,
alimony expectations and equitable distribution of marital
assets. In this economy, more so than ever, we see other
lawyers pushing for a fight and making unsubstantiated
demands for their clients just to run up a bill.
We recommend that you run from these people. You need
a Divorce Lawyer that can be upfront and frank with you;
someone that can tell you the good side as well as the bad
side. Even though we give you reasonable expectations
we will do everything to fight for your rights and to push for
what you believe is a fair outcome.
Your Tampa Divorce Attorney at the Galewski Law Group,
P.A. will fight hard for you, but will give you a set guideline
that your judge will likely use. We will use this guideline to
push your case to settle in a cost effective manner and with
the least disturbance to you and your children as possible.
This approach will help you to save a significant amount of
legal fees but will also get you the results that you deserve.
To learn more about Your Family Law Rights:
Divorce and Family Law
Bankruptcy - Debt Relief
Tampa Bankruptcy Attorneys at the Galewski Law Group, P.A.
take a goal oriented approach to your financial protection. We
are careful to analyze your particular situation and look to
your debt problems, such as credit card debt, medical bills,
mortgage debt, repossessions and foreclosures. We strive
for comprehensive results, to give you a debt free fresh start.
We carefully compare your debt relief options with asset
protection strategies to assure that you do not have to pay
more than your fair share to your creditors. We utilize a
significant number of tools in house including Mortgage
Modifications, in or out of bankruptcy, Short Sales, principal
reduction short refinances, debt renegotiation, and
bankruptcy under Chapter 7, 11, or 13. Click on the
appropriate link for Articles on Bankruptcy:
Tampa Bankruptcy Attorneys at the Galewski Law Group, P.A.
take a goal oriented approach to your financial protection. We
are careful to analyze your particular situation and look to
your debt problems, such as credit card debt, medical bills,
mortgage debt, repossessions and foreclosures. We strive
for comprehensive results, to give you a debt free fresh start.
We carefully compare your debt relief options with asset
protection strategies to assure that you do not have to pay
more than your fair share to your creditors. We utilize a
significant number of tools in house including Mortgage
Modifications, in or out of bankruptcy, Short Sales, principal
reduction short refinances, debt renegotiation, and
bankruptcy under Chapter 7, 11, or 13. Click on the
appropriate link for Articles on Bankruptcy:
Sinkhole Insurance Claims
Tampa Sinkhole Lawyers at the Galewski Law Group, P.A.
use their long history in real estate and insurance claims to
protect your home or investment property against sink hole
damage.
Sinkhole claims are unique in the insurance claim industry,
because the insurance industry has lobbied for so many
years to exclude them from policies. Truth is even if your
insurance policy specifically excludes sinkhole claims, you
may have a right to have the company repair your home or
pay off your mortgage.
Sinkhole or settlement claims can impact your home,
business or investment home. Even a tenant in a
commercial building or rental home may have a claim
against the insurance company if there is settlement or
other damage caused by a sinkhole.
Sinkholes may present themselves as snake lines through
cinder blocks, foundation or wall cracks, driveway cracks,
depressions in land or other marks on a building.
The cost of a sinkhole claim may be in the tens of
thousands or more. We will typically front these costs for
you and because of the cost we typically take these cases
on a contingency and do not get paid unless we win.
To learn more about Sinkhole Claims and Real Estate:
Tampa Sinkhole Lawyers at the Galewski Law Group, P.A.
use their long history in real estate and insurance claims to
protect your home or investment property against sink hole
damage.
Sinkhole claims are unique in the insurance claim industry,
because the insurance industry has lobbied for so many
years to exclude them from policies. Truth is even if your
insurance policy specifically excludes sinkhole claims, you
may have a right to have the company repair your home or
pay off your mortgage.
Sinkhole or settlement claims can impact your home,
business or investment home. Even a tenant in a
commercial building or rental home may have a claim
against the insurance company if there is settlement or
other damage caused by a sinkhole.
Sinkholes may present themselves as snake lines through
cinder blocks, foundation or wall cracks, driveway cracks,
depressions in land or other marks on a building.
The cost of a sinkhole claim may be in the tens of
thousands or more. We will typically front these costs for
you and because of the cost we typically take these cases
on a contingency and do not get paid unless we win.
To learn more about Sinkhole Claims and Real Estate:
Auto Accidents - Personal injury
Tampa Injury Attorneys at the Galewski Law Group, P.A. take
a personal approach to your recovery. We work directly with
your doctors and insurance company to assure that first you
receive the proper medical care and second that you obtain
your maximum financial recovery.
We are careful to analyze your particular situation and to
assure that you do not simply run up a large medical bill that
would eat into your financial recovery.
We carefully monitor your rehabilitation as well as your
insurance coverage to protect you. If you are injured you
need someone on your side that can help you recover and
protect you. All to often we have people call us after they were
wrongfully sent for endless unneeded treatment that left them
with nothing at the end of the case.
We are here to help you recover from your injury. We do not
get paid unless we recover for you. If you are hurt in an car
accident, personal injury, slip and fall or some other type of
accident, please call us to get information before you speak
with an insurance company or give a statement.
To learn more about how we can help with your injury please
click below:
Tampa Injury Attorneys at the Galewski Law Group, P.A. take
a personal approach to your recovery. We work directly with
your doctors and insurance company to assure that first you
receive the proper medical care and second that you obtain
your maximum financial recovery.
We are careful to analyze your particular situation and to
assure that you do not simply run up a large medical bill that
would eat into your financial recovery.
We carefully monitor your rehabilitation as well as your
insurance coverage to protect you. If you are injured you
need someone on your side that can help you recover and
protect you. All to often we have people call us after they were
wrongfully sent for endless unneeded treatment that left them
with nothing at the end of the case.
We are here to help you recover from your injury. We do not
get paid unless we recover for you. If you are hurt in an car
accident, personal injury, slip and fall or some other type of
accident, please call us to get information before you speak
with an insurance company or give a statement.
To learn more about how we can help with your injury please
click below:
Short Sale - Mortgage Modifications
Tampa Foreclosure Defense Lawyers at the Galewski
Law, P.A. are dedicated to protecting your home and
you from mortgage problems.
If you want to save your home we may be able to modify
your mortgage in or out of bankruptcy. The Courts may
allow us to remove your second mortgage or equity line
or otherwise reduce your mortgage principal or interest
rate to obtain a more favorable payment. Recently many
banks have allowed short refinance options to allow
people to refinance with a reduced payoff amount so you
may keep your home.
If you want to sell, surrender or otherwise walk away from
your home, we may be able to assist with negotiating a
short sale, arranging a deed in lieu of foreclosure,
discharging a deficiency, or otherwise protecting you
from the negative ramifications of the toxic mortgage. In
addition we may be able to advise on tax ramifications or
refer you to a proper tax advisor to assure that there
truly are no major hurdles to you freeing yourself or a
toxic mortgage. Talk to us early, before you miss
payments;do not wait for foreclosure documents.
Mortgage foreclosure and mediation are complicated
legal venues, get competent legal help early in the
process.
For more information about Short Sales, Mortgage
Modifications or a deed in lieu of foreclosure Click below:
Tampa Foreclosure Defense Lawyers at the Galewski
Law, P.A. are dedicated to protecting your home and
you from mortgage problems.
If you want to save your home we may be able to modify
your mortgage in or out of bankruptcy. The Courts may
allow us to remove your second mortgage or equity line
or otherwise reduce your mortgage principal or interest
rate to obtain a more favorable payment. Recently many
banks have allowed short refinance options to allow
people to refinance with a reduced payoff amount so you
may keep your home.
If you want to sell, surrender or otherwise walk away from
your home, we may be able to assist with negotiating a
short sale, arranging a deed in lieu of foreclosure,
discharging a deficiency, or otherwise protecting you
from the negative ramifications of the toxic mortgage. In
addition we may be able to advise on tax ramifications or
refer you to a proper tax advisor to assure that there
truly are no major hurdles to you freeing yourself or a
toxic mortgage. Talk to us early, before you miss
payments;do not wait for foreclosure documents.
Mortgage foreclosure and mediation are complicated
legal venues, get competent legal help early in the
process.
For more information about Short Sales, Mortgage
Modifications or a deed in lieu of foreclosure Click below:
