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Questions Answered by Sherri B. Simpson
1 Answer | Asked in Foreclosure, Estate Planning, Probate and Real Estate Law for Florida on
Q: As a personal rep in FL am I able to sell a homestead property with a reverse mortgage if one of the heirs lives oversea

And is unable to be found( presumed dead) and the other also lives overseas but refuses to sign any documents?

Sherri B. Simpson
Sherri B. Simpson
answered on Oct 25, 2022

That is certainly not a simple question to answer and without more facts, I would be unable to do so with any certainty. I assume you have filed a probate action? I have handled both probate and guardianship cases and you always need a court order to sell an asset of the estate and if the property... View More

2 Answers | Asked in Foreclosure for Florida on
Q: I am a senior citizen holding a mortgage in Charlotte County, Florida. I could not afford a lawyer to foreclose.

I successfully did it on my own with the final judgment awarded in late March and the auction scheduled for April 30. The morning of the auction the debtor showed up with Ch.13 bankruptcy papers and the auction was cancelled. This morning her bankruptcy was dismissed due to non compliance and... View More

Sherri B. Simpson
Sherri B. Simpson
answered on Jul 14, 2021

I agree with Barbara and I am not sure what district you are in but generally, reopen the case, file the order dismissing the bankruptcy and request that a new sale date be scheduled. You can attach the order to your request for a new sale date.

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2 Answers | Asked in Bankruptcy for Florida on
Q: Hi, I’m recently divorced and my ex husband has just filed for chapter 13 Bk, the family court order him to pay me $75k

for equitable distribution as well as ordered the marital home to be sold immediately, we had a buyer who offered 1.2 mill and ex refused b/c he wanted full asking price, there is about $700k equity. He told Bk court house was valued at $225 thousand. We also owned another property with a lot of... View More

Sherri B. Simpson
Sherri B. Simpson
answered on Dec 11, 2020

Is the marital home in Florida? Is the business property in Florida? Is the dissolution of marriage in Florida?

Notwithstanding any of that, it sounds like your ex-husband is committing bankruptcy fraud which is never a good thing.

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1 Answer | Asked in Civil Litigation, Consumer Law, Contracts and Foreclosure for Florida on
Q: Are you an attorney who has won foreclosure cases based on breaches of contract and fraud or know of someone who can .

My attorney has just notified me of his suspension and need to find new counsel. I have filed counterclaims and defenses with exhibits proving the new plaintiff is no a holder in due course. I have TILA violations, FDCPA violations , Breach of contrat including fraud in the inducement ,appriasal... View More

Sherri B. Simpson
Sherri B. Simpson
answered on Sep 20, 2020

Although I handle those types of cases, I am not in Punta Gorda. Call Mark Dann at Dann Law 877-475-8100. If he cannot handle the case he should know someone who can. Or email mdann@dannlaw.com or intake at Dannlaw.com.

1 Answer | Asked in Foreclosure for Florida on
Q: I have no mortgage on my condo. I owe my HOA 10,000. Notice of sale issued. Will I lose my condo?
Sherri B. Simpson
Sherri B. Simpson
answered on Aug 26, 2020

You will if it goes to foreclosure sale. If you can pay off over 5 years you can file a chapter 13 bankruptcy. You really need to speak to an attorney asap.

2 Answers | Asked in Contracts, Foreclosure, Real Estate Law and Landlord - Tenant for Florida on
Q: i was served by broward county a Summons/Residential summary procedure pursuant to Florida statute 51.011 for eviction

AS OF MONDAY, AUGUST 17TH THE CITY OF DEERFIELD BEACH WILL NOW BE ACCEPTING RENTAL, MORTGAGE AND UTILITY ASSISTANCE. I THEN WENT TO MY LANDLORD TO SHOW HER THIS NEW DEERFIELD BEACH ASSISTANCE PROGRAM. I THEN REQUESTED A W-9 FORM (DOCUMENT) FROM HER (LANDLORD) WHICH WAS REQUESTED BY DEERFIELD BEACH... View More

Sherri B. Simpson
Sherri B. Simpson
answered on Aug 24, 2020

You must put the past due rent into the court registry OR file an answer showing why the rent is not due and owing. Eviction is a very quick process so you should try to retain an attorney, call Legal Aid if you qualify or otherwise get representation immediately as applying for aid is no defense... View More

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3 Answers | Asked in Bankruptcy for Florida on
Q: I am in need of Bankruptcy Layer

2 years out of work and finally received SSI Diasbility but deeply in dept.

Sherri B. Simpson
Sherri B. Simpson
answered on Jul 28, 2020

Your SSI should be protected. Unfortunately I am not located near you but definitely seek out an experienced attorney in your area.

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1 Answer | Asked in Bankruptcy for Florida on
Q: My husband and I filed for Chapter 7 bankruptcy in jan, and it was discharged in May

we own a home in Florida and of course plan on keeping it. I noticed my mortgage company stopped reporting on my credit, and it also appears my lawyer never reaffirmed the house as the mortgage company advised me when I called them, although my lawyers office told me to call the bank and they do... View More

Sherri B. Simpson
Sherri B. Simpson
answered on Jul 21, 2020

Depending on the district you are in, you may be able to reopen the bankruptcy case, vacate the discharge for purposes of filing the reaffirmation agreement, file the reaffirmation agreement and obtain the order and have the discharge reissued and the case closed. We can do that in the Southern... View More

3 Answers | Asked in Bankruptcy for Florida on
Q: What happens on credit report if you keep making mortgage payments on chapter 7? I no longer see my mortgage at all

Not only don't I see my mortgage being reported on my credit, it's completely wiped out as if it's paid??? I have Wells Fargo and have never been late

Sherri B. Simpson
Sherri B. Simpson
answered on Jul 14, 2020

Did you formally reaffirm the mortgage obligation During the chapter 7? If not, they stop reporting to the credit bureaus.

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3 Answers | Asked in Contracts and Bankruptcy for Florida on
Q: What are my rights on a promissory note on a property I invested in

I invested in a property to which I have a promissory note and after the 6 months, I would be receiving my investments back plus the interest. The promissory notes specifically states the address of the property I have the note against. 5 months in to the agreement, the debtor sold the property and... View More

Sherri B. Simpson
Sherri B. Simpson
answered on Jun 16, 2020

Basically you have an unsecured debt in bankruptcy but you may be able to be paid out of the proceeds of the sale. Was the property the homestead property of the person who sold? My advice is to immediately retain an attorney who understands real estate, contracts and bankruptcy law and have them... View More

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2 Answers | Asked in Bankruptcy for Florida on
Q: Is deferred principal of a mortgage required to be repaid as arrears in chapter 13 bankruptcy?
Sherri B. Simpson
Sherri B. Simpson
answered on Jun 7, 2020

The deferred principal of a mortgage under a modification agreement has to be repaid in accordance with the terms of the modification agreement. Without reading it, I can't state with 100% positivity but usually the deferred portion does not need to be repaid as arrears in a chapter 13... View More

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2 Answers | Asked in Bankruptcy for Florida on
Q: Does the deferred portion of a mortgage from prior mod have to be repaid as arrears in a Chapter 13 bankruptcy?

I am in the process of filing Ch. 13. Our Foreclosure judgement lists an amount appox. $31k for "streamline mods" as part of the total due back to the lender as part of the foreclosure. This is an amount of prinicipal that was deferred to either sale of home or maturity of loan as part of... View More

Sherri B. Simpson
Sherri B. Simpson
answered on Jun 3, 2020

You should be able to list this is a separate obligation or keep it separate from the amount you are reinstating under the plan. I have handled many of these and while they are fact specific, they usually do not need to be repaid as part of the arrearage. It can be listed with specificity under... View More

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2 Answers | Asked in Bankruptcy for Florida on
Q: Why is Florida public record showing a judgement that was re-recorded before my Chapter 7 Bankruptcy was discharged.

Does a specific part of my petition need to be sent to Florida's public record agency? Civil circuit court has one document attached and the judgement is closed showing a zero balance.

Sherri B. Simpson
Sherri B. Simpson
answered on Jun 3, 2020

Was your judgment released in your bankruptcy, or only the debt? If it was only the debt, then typically the judgment remains to cause you grief later if you refinance or even buy a home or otherwise need to access your credit. If the judgment itself was not released then you should call your... View More

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4 Answers | Asked in Bankruptcy and Small Claims for Florida on
Q: Does successfully cashing a previously bounced NSF debtor's check during a ch7 bankruptcy violate the automatic stay?

My Ex took $1000 that did not belong to her. She claims the taking was in error. She wrote a check to repay the $1000 which bounced due to NSF. She told me she was stopping payment on the check and filing bankruptcy. She demanded I return the check to her. I refused unless she signed a payment... View More

Sherri B. Simpson
Sherri B. Simpson
answered on Mar 19, 2020

I believe you have violated the automatic stay as you state you were aware she was filing for bankruptcy before you cashed the check, the debt was unsecured and even though you were not given formal notice, you were put on notice and had an obligation to research first. Even if you did not violate... View More

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3 Answers | Asked in Bankruptcy for Florida on
Q: Can I file chapter 7 bankruptcy? I just found out one month before retirement, an old business judgment from 12 years

I just found out one month before retirement, an old business civil lawsuit judgment from 12 years ago is attempting to be collected. I would like to consider filing chapter 7 bankruptcy. I am 65 years old and planning to retire this year. Pre-retirement my income was $175,000. Post retirement... View More

Sherri B. Simpson
Sherri B. Simpson
answered on Mar 19, 2020

You should speak to a local attorney as determination of what chapter under the bankruptcy code is a complicated and detailed matter. But good news - if your post retirement income is pension and/or social security it may be fully exempt.

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