You may have "run the numbers" over and over to the point where you have a strong idea what to do. However, you need experienced legal guidance to help execute that approach. Alternatively, you can count on us to analyze your situation from a range of perspectives, as when:

• You are looking for the best way to either save or let go of your family home— through informed foreclosure defense, a loan modification or short sale, or other strategic measures — and need a clear, comprehensive picture of your equity situation, outlook and legal options

• You are prepared to complete a real estate closing, either on a residential or commercial real estate property

• You need assistance evaluating all the different factors that may influence management of your real estate portfolio under today's challenging circumstances — such as rents, mortgage terms, HOA fees, market trends and more — in order to decide how to proceed and what transactions to prioritize

• You are coping with a real estate issue such as a property tax dispute, a questionable transaction calling for a TILA audit, or your situation as an investor in need of deposit recovery or rescission

• You are embroiled in a homeowners' association (HOA) dispute

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Although our firm has the skill and resourcefulness to help many people negotiate favorable loan modifications and other types of mortgage workouts, this approach is not right for every homeowner or investor. For personal attention, beginning with a free consultation in which a balanced, proven lawyer will hear you out on problems and goals, please contact our firm.

Our Lawyers Are Honest and Tell You Everything You Need To Hear
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Considering Your Best Interests from All Legal and Financial Avenues

In some cases, typically when a new loan on new terms will not help you because of the property's current market value, we may be able to help you complete a short sale in order to:

• Minimize short-term damage to your financial well-being and credit standing

• Free you from an obligation you do not want to keep, given current property values and a thorough assessment of your overall situation

• Limit or eliminate your future financial exposure

You may have had the misfortune, like countless others, to have purchased Central Florida real estate — whether a home, condo, commercial building or other investment property — at the peak of the market and since watched its market value plunge. This is one of many situations when our attorneys can be a tremendous asset, as we are familiar with a broad community of investors and real estate agents that may be integral for completing a short sale that makes sense for you.

The Frank Guidance and Responsiveness You Need from an Attorney

One critical strength of our firm is attorney Justin R. Clark's willingness to tell you everything you may need to hear — not just what you may want to hear. We base our recommendations on a firm grasp of your overall situation, rather than falling back consistently on one preferred solution or strategy. Mr. Clark will take the time to know you and your priorities well, and offer legal guidance based directly on our understanding of your goals.

As if the economic downturn and near-collapse of real estate values in some areas of Central Florida were not enough to put many thousands of people in dire straits, some of our clients see, in retrospect, that their bank or lender may have engaged in illegal activity. If you are facing foreclosure or other real estate-related challenges and believe you were taken advantage of, please contact our attorneys today for a free consultation.

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Pursuing Your Protections and Rights Under Federal Law

In part because real estate transactions and laws are so complex, we will likely never know just how widespread violations of the federal Truth in Lending Act (TILA) have been. However, a TILA audit may reveal what matters in your specific case, such as:

• Various deceptive practices used to avoid disclosure of the true cost of your mortgage over the full term of the loan

• Hidden fees paid to a mortgage broker or other party to the transaction — which may not have been clearly disclosed as a cost of getting the loan rather than part of the principal

• Misrepresentation of the terms of your home mortgage or other loan

Honest Guidance on the Best Approach for You

A TILA audit — including a thorough review of your mortgage documents and the lender's conduct — can be an intricate and costly process. At Gregory & Clark, PLLC, we conduct such audits only at a client's behest, or we may recommend a TILA audit based on what you tell us about your lender and problems others may have had with that organization.

If a TILA audit reveals violations, these are often clear and demonstrable. In many cases:

• A lender's claims that TILA violations are simple oversights will not hold up in court

• You may have the right to recover excess interest you have paid, plus other types of damages — or even to rescind (have declared void) the entire loan transaction

Any dispute between an individual and Florida homeowner's association (HOA) has the potential to become complex and highly adversarial. As with other governing and regulatory bodies, it can be important to remember that people, with distinct personalities, ultimately make decisions. We know that an HOA dispute may arise from personality conflict as well as a real issue over fees or adherence to policies. Contact Us »

You can consult with us free and begin learning your legal options, whether your HOA dispute involves a fee dispute or a claim that you have violated some policy or aspect of your contractual relationship. You can trust our trial-proven real estate attorneys, led by Justin R. Clark, to calmly and thoroughly assess your situation with your goals and best interests constantly in view.

We Represent Everyone From Individuals To Families
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Putting Legal Credibility and Knowledge on Your Side

Florida condominium, community and homeowner's associations are often "mini-governments" with a lot of power — but that power is not unlimited. Engaging in a dispute may not only threaten your place of residence, but it may become extremely time-consuming, stressful and personal. Because the ultimate stakes are high, you may be best served by hiring a knowledgeable real estate lawyer rather than seeking dispute resolution through the Florida Department of Business and Professional Regulation (DBPR).

Careful Analysis Targeting Sound Decisions and Positive Results

At Gregory & Clark, PLLC, we can:

• Thoroughly analyze covenants, contracts and other documents relevant to your HOA dispute

• Move in on your behalf to open more productive negotiations with a problem HOA president or other party to your dispute

• Help clarify what may be involved in some form of alternative dispute resolution — such as mediation or arbitration — as an alternative to either defending or filing a lawsuit and engaging in a potentially costly courtroom battle

Volatile economic conditions in recent years have had an obvious, dramatic and almost universally negative impact on property values in our region of Florida. From owners of homes in Sanford or Apopka to condominium owners in the greater Orlando area, property tax assessments are causing alarm and controversy. Contact Us »

A property tax dispute can be frustrating or even futile to pursue on your own. Please contact us for informed, honest legal guidance from a personable lawyer who will prioritize your rights, goals, and financial well-being.

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Successful Appeals of Property Taxes May Require an Experienced Lawyer

The Florida Department of Revenue provides a statewide Property Taxpayer's Bill of Rights, but local governments, property appraisers and assessors, and others involved in your tax bill all apply their own standards. If you have recently received an assessment or tax bill you believe is unfair, the most direct, effective way to fight for your rights may be to bring your property tax dispute to our attorneys.

Our lawyers have experience appealing tax assessments at the local and state government levels, and we can also bring the benefit of a network of independent property appraisers, construction experts, and market authorities into your case if necessary. We will provide personal, dedicated attention to your property tax dispute, including:

• Diligent preparation of the strongest possible appeal, including use of comparable property values and assessments

• Accompanying you to hearings before the appeals board or other tax authority in your jurisdiction

An unfortunately common situation throughout the greater Orlando area and across Florida is turning dreams into financial nightmares. If you have made a pre-construction deposit on a condominium or home — only to find that its value when completed will not justify your investment — our attorneys are here to help, beginning with a free initial consultation. Contact Us »

We'll Work With You To Resolve Every Issue
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Considering All Avenues to Recover Your Money

This is a complex area of contract and real estate law that calls for the efforts of a focused, savvy Florida lawyer. Led by Justin R. Clark, our legal team is committed to exploring all potential avenues for a favorable resolution of your problem. Our deposit recovery and contract rescission efforts on your behalf may include:

• Intense examination of your rights under the Interstate Land Sales Act, identifying potential violations of laws requiring property report filings, guaranteed timely completion of construction, and more

• Review of all aspects of your contracts, agreements, and the delivery of services by a contractor — including any breach of a contract or warranty or the presence of construction defects on your purchased property

We also know avenues to pursue on your behalf if your investment in a commercial real estate development that has failed to proceed according to plan or lost value since you made a deposit.

An undeniably tough market does not have to mean you have no options but to lose money. To speak directly and personally with an honest lawyer determined to help you make sound decisions and take productive action, please contact our Longwood, Florida, law office today.