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Manage your ads with dynamic ad insertion capability.
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Earn rewards and recurring income from Fan Club membership.
Get the answers and support you need.
Resources and guides to launch, grow, and monetize podcast.
Stay updated with the latest podcasting tips and trends.
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Podcast interviews, best practices, and helpful tips.
The step-by-step guide to start your own podcast.
Create the best live podcast and engage your audience.
Tips on making the decision to monetize your podcast.
The best ways to get more eyes and ears on your podcast.
Everything you need to know about podcast advertising.
The ultimate guide to recording a podcast on your phone.
Steps to set up and use group recording in the Podbean app.
You Can't Take My House! Can You? - Episode 299
What four (or five) creditors can foreclose and take away your primary residence?
What legal authority in Florida allows a creditor to take your home?
How does the Florida Homestead Laws play into this analysis?
What can I do if my credit card company records a judgment against my homestead property?
In this week's episode, I describe the four (maybe five) creditors that can take your primary residence through foreclosure: (1) Property Tax Collector, (2) Mortgage Company, (3) Contractor who does work on the home, (4) the IRS, and (5) your homeowner or condo association.
The authority for them to do this, or more accurately, the inability of other creditors from doing this - like credit cards, hospital bills, student loans, etc., is found in the Florida Constitution, Article X, Section 4, and Florida Statutes Chapter 222.
I've been able to use a "Notice of Homestead" to eliminate unsecured liens against homes, but it is not a quick process. Therefore, you want to ensure that you file and record the Notice of Homestead far enough in advance of closing for it to eliminate the lien.
Some of the links mentioned in today's episode:
The Notice of Homestead procedure is found in Section 222.01 and is fairly straight forward, but if you need help, please contact our office.
Please also visit our sponsor Sam Cohen for an "apples to apples" comparison of malpractice insurance if you are or if you know an attorney or title company in Florida or Texas. Sam@AttorneysFirst.com or www.AttorneysFirst.com.
If you have any further questions for me, please reach out at Shawn@YesnerLaw.com or www.YesnerLaw.com.
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