Volume 1, Issue 1 November 15, 2007
South Shore Legal News
For archived issues of this newsletter go to: www.law-cameron.com
N I C O L E M . C A M E R O N - A T T O R N E Y A T L A W
S P E C I A L
P O I N T S O F T o p 1 0 c o n c e r n s f o r h o m e b u y e r s
I N T E R E S T : a n d s e l l e r s
• Upgrading an Buying or selling a home can using a lot of electronics? causing structural dam-
older home can be a very stressful time in life. If so, upgrades are impor- age inside walls.
save headaches Knowing the top defects that tant.
for a home buyer. 8. Water seepage. Check
are common in a home can
4. Heating system. It may for water coming in, lead-
• Watch out for the help make the buyer and seller
be a benefit to replace ing to mold, mildew & dry
do-it-yourself a little less anxious about the
older systems with more rot. This will need to be
buying a home. energy efficient ones. caulked.
1. Structural Damage. A Gas and oil systems will
• Hiring a home 9. Improper maintenance.
house can become unsta- require a carbon monox-
inspector prior to Do-it-yourself items from
purchasing a ble as it settles causing ide detector.
previous owners can
home can save doors, walls and support
5. Drainage. Check for the cause problems in the
time and money beams to be out of align-
grading of the property to future.
for any home ment.
buyer. see if water runs away
10. Hazardous material.
2. Roof. Roofs leak for a from the house. Check
Check for lead-based
variety of reasons. It is gutters and downspouts
paint, asbestos, carbon
important to find out what and replace as necessary.
monoxide, radon gas or
the repairs entail, i.e.
6. Plumbing. If pipes are toxic mold in older
I N S I D E TH I S replacing shingles or the
I S S U E : made of polybutylene, houses. These can cause
they are prone to leak and serious health problems.
Do you need a referral 3. Wiring. Depending on the should be replaced.
A good home inspector is in-
for a service but do not 2 age of the home, up-
know where to go? 7. Ventilation. Bathrooms valuable during the purchasing
grades may need to be
need proper ventilation to process. Call our office for a
PIP—What Does It All done. Are you going to be
2 prevent moisture buildup referral to an inspector.
The Fallout of the
3 “ F r a n k s g i v i n g ? ”
Bankruptcy Law Could In 1939 President Roosevelt test to the new holiday.
3 Happy Thanksgiving!
Prevent You From Filing moved Thanksgiving from the
President Roosevelt admitted
fourth Thursday in November
he made a mistake and in May
to the third Thursday to allow
Afraid Your Memory Is 1941 mandated that the holi-
Going or Know Someone 4 an extra week of shopping
day would be held on the
Who Might Be? before Christmas.
fourth Thursday of November
Opponents called the new as it is today.
holiday “Franksgiving” in pro-
P a g e 2 S o u t h S h o r e L eg a l N e w s
d o y o u n e e d a r e f e r r a l f o r a s e r v i c e
b u t d o n o t k n o w w h e r e t o g o ?
Our firm has developed Air Conditioning/Heating Flooring Power Washing
relationships with many
Acupuncture General Contractor Residential Real Estate
businesses in the Tampa
Bay Area. Are you in need Appraisal Services Gift Baskets Residential Mortgage
of any of the following Auto Detailing Salon Services
services? Call our office
Auto Services Home Staging Security Services
and we can refer you to a
well qualified professional Banking Services Insurance Tax Services
in that industry Business Furniture/Interiors IT Services Title & Escrow Agency
Catering Landscaping/Lawn Services
Cosmetics/Skin Car Pool & Hot Tub Construction
P I P — w h a t d o e s i t a l l m e a n ?
On October 1, 2007, Flor- would have prior to website:
“If you are or were ida’s no-fault law came to an October 1, 2007. www.myfloridacfo.com/
in a car accident end. That means PIP
3. Should you cancel your
NoFault/. This site contains
(personal injury protection) scenarios of what happens
PIP coverage during
between Oct. 1, 2007 insurance is no longer re-
this transition? No. As
under an at-fault system,
quired. However, the legisla- which is currently in effect. It
and Dec. 31, 2007, ture passed a bill reinstating
stated in No. 2, if both
also contains questions you
drivers have PIP you
you must prove the the no-fault law as of January
can still be covered.
should consider when look-
1, 2008. What does this ing at your policy.
So, keep your PIP cov-
other driver is at fault mean to you as a consumer?
erage. If you are or were in an acci-
in order to receive 1. In general, if you are or
4. What happens if my
dent during this time, it is
were in a car accident important that you speak
insurance benefits for between October 1,
policy is renewed dur-
with an attorney to discuss
ing this transition
your injuries.” 2007 and December
31, 2007, you must
time? It depends on
your rights. Please call our
office for a free initial consul-
your insurance carrier.
prove the other driver is tation.
Some will re-write the
at fault in order to col-
policy with PIP cover- If you want to speak with a
lect insurance benefits
age. Others will not. qualified insurance agent
for your injuries.
Call your carrier to be that can help you determine
2. There is an exception to sure. if your policy adequately
the rule. If both drivers covers you during this time,
For more information on
have a PIP policy, then please call our office for a
PIP, visit Alex Sink’s, Chief
you can still claim on referral.
Financial Officer of Florida,
your own PIP as you
V o l u m e 1 , I s s u e 1 P a g e 3
t h e f a l l o u t o f t h e f o r e c l o s u r e
Foreclosures are everywhere. What happens to the difference many years to come. help you make the deci-
You hear it in the news, you of the loan amount and the sion on whether bank-
There are several options you ruptcy is right for you.
see it on your street, you feel it amount the home sold? You Please call our office for
can use to try to prevent a
at home. What happens when are responsible for the differ- a free initial consultation
foreclosure affects your life? ence. This is a called a defi- to determine if you qual-
ciency. The holder of the defi- 1) Talk to your mortgage ify for bankruptcy.
Foreclosure is the process a
ciency can then begin collec- company. They may be
lien holder uses to take back Our firm can refer you to
tion actions against you for the willing to adjust your a qualified real estate
its security in your home. This
deficiency amount. contract to keep you in professional to help you
can be anyone from a tradi- during your time of need.
tional mortgage company to If you are unable to pay, a judg-
your local homeowner’s asso- ment will be entered against 2) Short Sale. This is where
ciation for late fees to a sec- you. The judgment is filed in you sell the house
ond mortgage company. the county records and at- quickly. It is very compli-
taches to any real property that cated and you should
A suit is filed with the court in
you purchase for a period of up speak with an attorney or
the county where the home is
to 20 years. This judgment lien real estate professional
located. A sale date is sched-
then must be paid when you try before choosing the op-
uled and the home is sold at
to sell your real property in tion.
auction to the highest bidder.
order to clear title for the new 3) Bankruptcy. There are
Occasionally, the home is not
owner. two options. Chapter 7
sold and it is reset for sale.
However, most mortgage com- A foreclosure on your credit can allows you to give the
panies will purchase the home drastically reduce your credit house back. Chapter 13
themselves at a deeply dis- score. This will affect your fu- may help you keep the
counted price. ture purchases on credit for house. An attorney can
b a n k r u p t c y l a w c o u l d p r e v e n t
y o u f r o m f i l i n g
In October 2005, the bank- filing to stop a foreclosure or may need their services. The
ruptcy code was changed to repossession, this course must attorney can discuss the re-
“Please don’t wait
help combat abuse of the sys- be done at least the day prior quirements for obtaining a to the day before
tem. The new change has to filing your bankruptcy. discharge in detail.
several requirements debtors Please don’t wait to the day
Certain assets are exempt
a foreclosure to
must fulfill in order to obtain a before a foreclosure to speak
Chapter 7 discharge of their to an attorney. It may be too
from the court being able to speak to an
seize them to pay for your
debts. attorney. It may
For example, prior to filing for Also, prior to obtaining a dis-
bankruptcy a debtor needs to charge, the debtor must com-
If you are considering bank- be too late.”
ruptcy, please call our office
take a credit counseling plete a finance course. It is
for a free initial consultation.
course. This is important to be important to speak to an attor-
aware of because if you are ney as soon as you believe you
Our firm is committed to providing per-
sonal, yet aggressive, representation for
our clients throughout Tampa Bay.
Our firm provides services for:
Business Incorporation/Registered Agent
Your South Shore Attorney Family Law
DUI Defense/Criminal Defense
a f r a i d y o u r m e m o r y i s g o i n g o r k n o w
s o m e o n e w h o m i g h t b e ?
As we age, our memory can go. How- mine if you need further in depth test-
ever, there are diseases that can in- ing.
crease our loss of memory such as
The screening test only takes about 30
Alzheimer’s. The University of South
minutes and is done at the clinic. The
Florida established a research clinic
screening includes questions about
that is specially designed to research
daily life and how well you care for
Alzheimer’s and its affects on its vic-
yourself. A memory checklist asks
tims. The Johnnie B. Byrd Sr., Alz-
questions about specific memory prob-
heimer’s Center and Research Insti-
lems. additional screening tests check
tute was established in 2004 by for-
for attention and problem solving. And
mer Speaker of the House, Johnnie
hands-on tests demonstrate the ability
Byrd after his father was stricken with
to recall and recreate.
For more information about the
The clinic recommends that a baseline
screening test and the Byrd Institute,
memory test be completed at age 50.
log on to http://www.byrdinstitute.org/
This will help determine if your mem-
or call 813-866-1611. The Byrd Institute and Research Clinic
ory is failing later in life and to what
degree. The test is designed to deter-