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Questions Answered by Richard Paul Zaretsky
3 Answers | Asked in Bankruptcy, Foreclosure and Real Estate Law for Florida on
Q: My note was never sold before the original company went under... what do i do? can i sell it? I'm still on the tittle.

Full disclaimer: in 2009 I filed for chapter 7 and this property was supposed to be discharged. fast forward to now and I just found out that I'm still on the tittle and it was never sold or foreclosed. I've received an offer to by the property and I'm not sure what to do.

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Apr 6, 2018

I gather that you have a poor understanding of the process of a mortgage lien. You need to consult with an attorney near you that will encompass solutions for you to be able, with the lender's permission, sell the home. Typically this is called a "short sale" if the lender has to... View More

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3 Answers | Asked in Divorce and Real Estate Law for Florida on
Q: I have a question about a quitclaim deed

About 10 days ago or so, I submitted a question and I'm confused about the answer

I was married in NY 19 years ago and my husband abandoned me and moved to Germany! 2 years ago , I moved to Florida and bought a house ! I'm now ready to sell that house but I am still legally... View More

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Mar 22, 2018

you are totally confused.

No ifs' ands or buts' - your husband must join in the deed to sell the house. PERIOD.

No quit claim deed will work if this is the house you called your permanent property.

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2 Answers | Asked in Real Estate Law and Landlord - Tenant for Florida on
Q: So if you haven't paid your rent you can be put out in 3 days? Even though you have a lease and it says 30 days? It's

In Gainesville, Florida

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Mar 3, 2018

Someone needs to look at your lease. But also you use the words "put out".

The 3 day notice for non-payment of rent says if you don't pay it in 3 days the landlord can start eviction proceedings. In reality the 3 day notice is the first of 4 steps. The next step is an...
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2 Answers | Asked in Landlord - Tenant for Florida on
Q: I have a lease that says if landlord or tenant decides to terminate that they have 30 days to vacate. Landlord just hand

Delivered a 3 day quit notice and said if we're not out in 3 days he will sit our stuff on the curb. The notice says according to California law, but we're in Florida. Please help

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Mar 3, 2018

Your landlord sounds like they either don't know the law or don't care about the law.

You cannot be put out except with a court issued writ of possession. There are some exceptions (like hotel rooms).

The only Florida 3 day notice is for non payment of rent - and that...
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3 Answers | Asked in Probate for Florida on
Q: My grandfather died and left his house to my mother , father and uncle. Now their all dead who does the house go to?

If none of them had a will and my mother and father died first , then my uncle ??

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Feb 20, 2018

If this has not happened more than a few years ago (like two or three), the the house may still be owned by your family.

Assuming your grandfather's house was transferred by probate or deed to your relatives, then upon the passing of your parents it went to your uncle. However none of...
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3 Answers | Asked in Real Estate Law for Florida on
Q: Foreclosed property has 2 bank liens, primary lien holder filed suit & has a judgement. If I win property at auction am

I then liable for the 2nd lien on the property or does the foreclosure & bankruptcy process eliminate my liability?

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Feb 5, 2018

You did not mention where the bankruptcy comes into the picture.

In a foreclosure the priority of the lien of the mortgage that filed the foreclosure is the key important factor.

If the foreclosure is by the first mortgage then this foreclosure would eliminate the second mortgage if...
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2 Answers | Asked in Real Estate Law for Florida on
Q: Who owns the water pipes in my kitchen that leaked? Condo association or me?

Here's what Declaration of Condominium says:

5.1 Unit Boundaries. Each Unit shall include that part of the condominium property lying within the vertical and horizontal boundaries of the Unit as established by the condominium plat as set forth in Composited Exhibit "B", which... View More

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Feb 7, 2018

We have a lawsuit going on about this same thing. Inside the drywall (inside meaning the back of the drywall facing away from your unit) to the outside of the outer wall is owned by the Association, according to your recited document language.

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3 Answers | Asked in Real Estate Law and Probate for Florida on
Q: what do I need to do?

my mom passed away in 1997, we ( my mom and myself) bought and lived in condo in fl at that time. She had no will, and I was the only one paying the mortgage and bills. now I want to sell the property and am told I have to go thru probate? not sure how or what I need to do?

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Feb 4, 2018

Maybe you have to go thought probate - it depends on the deed you and your mother had and the wording in that deed.

An attorney should be able to quickly determine what you need to do. It could be as simple as recording a copy of your mother's death certificate.

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3 Answers | Asked in Divorce and Real Estate Law for Florida on
Q: I am listed as a grantor on the house my ex-husband bought one month prior to our divorce being finalized. Is that bad?

Because we were still married at the time he purchased the house, I was told I had to sign the papers with him when he bought it. Does this give me any rights to his house? Should I have my name removed from this now that he has owned the house for over 7 years?

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Jan 21, 2018

Your language in your question is problematic.

Your husband purchased a house and you are on the deed as a grantor (that means one who sold it - grantee would be one who bought it)?

Your husband still owns the house?

If your husband bought the house during the marriage, then...
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2 Answers | Asked in Real Estate Law for Florida on
Q: Title company missed mortgage on house and sent us the check. Can we just not pay mortgage?

Hi, we sold a home that is in an open estate. The home has a mortgage. The title company missed the mortgage and sent the check to the executor of the estate.

An acquaintance of ours told us not to pay off the mortgage at this point, that the title insurance will have to pay off the loan.... View More

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Jan 18, 2018

I have been down this road on the part of the buyer. Here is what is going to happen:

1. Title company asks for money back to pay mortgage.

2. You refuse.

3. Title company provides a title claim to the title underwriter.

4. Title underwriter attorney sends you a...
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2 Answers | Asked in Real Estate Law, Landlord - Tenant and Probate for Florida on
Q: Triplex is in probate my dad died. He had month to month renters. 1 is not paying fully how to evict?

My dad died 6/25/17. He had a triplex with month to month renters living there. 1 of the renters keeps telling us that he only charged him $350 a month, my dad told me he also charged for his part of the electric which comes to about $100 if he couldn't pay my dad would let him work around the... View More

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Jan 18, 2018

Month to Month tenancies can be terminated by giving written notice of termination of the tenancy to the tenant by mail or personal service (including posting on the residence front door). The notice must be provided at least 15 days prior to the next date the rent is due.

If the tenant...
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1 Answer | Asked in Real Estate Law and Landlord - Tenant for Florida on
Q: How can I get rid of a professional squatter in my home.

This man has made it to wear he legally lives in my home. I've asked him to leave on many occasions. He won't leave now he is trying to move a girl into my house I don't even know these people. The police are no help to me. It's like I have no rights to say anything

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Dec 30, 2017

Squatting is illegal - but not necessarily criminal. YOu need to find a real estate attorney in your location to go and file the appropriate legal action to have him removed.

2 Answers | Asked in Contracts and Real Estate Law for Florida on
Q: Can a text message be considered a legal binding contract?, I made an offer on a house via text message to the agent,

that same day she answered to me on a text saying the sellers accepted your offer,next morning she tells me she received a cash offer and they decided to go with that one instead?, can I make them liable of accepting my offer first???

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Dec 29, 2017

Any agreement concerning real estate must be in writing, be signed by all the parties, and contain the essential terms of the agreement, generally:

Who

What

Where

When

How Much

I doubt that your text message contained all of these elements....
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1 Answer | Asked in Real Estate Law for Florida on
Q: Purchasing a fractured condominium. Am buying out all unit owners to have complete control. How do I dissolve assoc.

I'm purchasing what was a fractured condominium. Majority owner owned 11 of 12 units, minority owner owned 1. Both have agreed to sell and closing will happen on the same day. Since I will own all units, I want to dissolve the condo association and run as an apartment building. To someone with... View More

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Dec 17, 2017

The estimates are in line with my experience.of doing this. What seems simple is also time consuming and requires proper documentation.

An experienced real estate attorney should advise you and undertake to do this right. Any wrong move could cost you far more in real dollars and...
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1 Answer | Asked in Real Estate Law and Construction Law for Florida on
Q: Lights were stolen from my homesite and the builder is saying he won't pay for them to be replaced. who is responsible?

With the permission of my builder I bought lighting for my home on my own and not through the builders vendors. I delivered it to the worksite under direction from the builder and at the time he designated. The site was then secured by the project manager. The night before the lights were to be... View More

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Dec 16, 2017

Essentially, if the builder did not put the lights there then his insurance probably wouldn't pay anyway. You putting your lights on the property would come under your insurance policy for theft of personal property. It may be made under your existing homeowners policy. Have a talk with... View More

3 Answers | Asked in Real Estate Law, Civil Rights and Landlord - Tenant for Florida on
Q: My landlord changed the address on my house from 1215 to 1213 so he wouldn't have to do repairs after hurricane

Is that legal? Which also led to illegal eviction 10 days after hurricane. I have pictures and i also have the actual original numbers that was on address. Which are1215 due to his scam of tenants it has left myself, child, and uncle homeless and in a situation that is wrong and a careless act of... View More

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Dec 15, 2017

Only the United States Post Office can change an address.

If the address was changed on the house by the landlord, alert the post office and the postmaster should handle the matter. You can also notify the local government building official

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1 Answer | Asked in Real Estate Law for Florida on
Q: I inherited a home but son of the former occupant won’t leave. DoI need to give notice prior to filing Unlawful Detaine

My father had a living trust wherein my step mother could occupy home till her passing. Now that she has passed we went to the home and found that her son is staying there but has taken no action to vacate the premises. There is a lawyer who has the funds to relocate him from his mothers trust but... View More

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Dec 14, 2017

There are some facts that have to be determined, but the probable remedy is a detainer action - which is a lawsuit to remove someone in a home that is not under a lease, but his legal authority to remain there has ended.

Seek a real estate attorney in the county where the property is...
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2 Answers | Asked in Real Estate Law for Florida on
Q: I owned a house alone, but added (never married) my then partner'sname to deed 2 years. ago. The morgage is paid off.

It is presently rented out. When unit is available, I want to move back in. Is this ok? Can I be evicted or charged rent by my expartner?

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Dec 7, 2017

Without knowing more I would presume you and your ex are "co tenants" of the property, meaning you each own a divisible one-half interest.

If you can, you should try to get your ex to deed his/her portion to you. Failing that, if you moved into the house you would be paying half...
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5 Answers | Asked in Real Estate Law and Probate for Florida on
Q: Can a lender foreclose a mortgage against the "estate" without having a person associated with the estate.

Borrower died 9 years ago. I own the property. I foreclosed the HOA lien. Took subject to the mortgage. Now mortgage company foreclosing but no estate has ever been raised and no personal representative named. They advertised for constructive service but they then filed an affidavit stating no... View More

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Dec 3, 2017

As others have stated, the answer is yes.

The lender has some options on how to proceed to foreclosure on the home. You acquired the home through a foreclosure sale by the HOA. The mortgage still outstanding may or may not have priority over the HOA lien. An experienced attorney can...
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3 Answers | Asked in Real Estate Law for Florida on
Q: My wife and I purchased a house in Florida two years ago from a builder and I have a question about the deed.

It is a special warranty deed in my name and hers but does not have the phrase "tenents by the entirety " or tenents in common". Nothing other than our two names as buyers. Will she automatically receive the house when I pass without going through probate?

Our wills leave... View More

Richard Paul Zaretsky
Richard Paul Zaretsky
answered on Dec 3, 2017

This is a relatively easy remedy. You and your wife merely need to deed the house from each of you to each of you. Sounds stupid but that is about it. You will be naming each other as husband and wife of the other in the new deed.

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