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Signs of Household Credit Stress on the Rise: 6 Things To Do To Improving Your Credit Score and Reducing Expenses
Household credit use is at historic levels. Not since 2007 have credit use and home equity lines been higher, and homeowners are once again starting to feel the pinch. These days my work has been focused on issues related to this crazy real estate market; I am...
The Best Way of Working with Your Creditors
DEEP IN DEBT? Critical Steps to Win Over Creditors Whether a debt obligation is $1,000 or in the millions, the overall advice for handling debt negotiation remains the same: communicate, consult with the appropriate experts and proceed with caution. Soble, an attorney...
Not So Fast! Understanding the Real Estates Agents Conflicts of Interest
As if purchasing or refinancing a home isn’t stressful enough, the key professional players in a real estate transaction don’t necessarily have their client’s best interests in mind. Contractual limitations, professional conflicts of interest, and lack of proper...
The Importance of a Memorandum of Land Contract
Memorandum of Land Contract I prepared a land contract for the seller of an investment home for her tenant. As part of the process, I drafted a Memorandum of Land Contract (“Memorandum”) for the parties. My seller had sold several properties on a land contract but had...
Embroiled in a Lawsuit? 5 Things to Consider for Negotiating a Legal Settlement
According to the American Bar Association, relatively few lawsuits ever go all the way to trial. Most parties to civil (non-criminal) cases are settled long before trial. Once a suit is filed, the legal process itself can help opposing parties understand the strengths...
The Waterfall That’s In Your Basement: Home Seller Liability and Buyer Remedies for Basement Water Damage
With the change in seasons, snow melt and the onset of spring rain, some home buyers who recently purchased their property during the winter months have come to discover, to their surprise, that their basement leaks or worse, floods. Nothing is more disappointing,...
Deep in Debt: Financial Relief Feels Great!
Critical Steps to Win Over Creditors Whether a debt obligation is $1,000 or in the millions, the overall advice for handling debt negotiation remains the same, according to David Soble: communicate, consult with the appropriate experts and proceed with caution....
Just What Are Your Intentions? Problems Associated with Letters of Intent
LETTERS OF INTENT Imagine for a moment a small business owner, “Sally”, is considering a new location for her business when she happens upon a small retail building that would serve as a perfect location for her future success. One problem. The building is not for...
Why Quit Claim Deeds Are Like Bad Tattoos
Each month, I receive more than a handful of calls concerning quitclaim deed forms. Usually the callers are not looking to me to obtain the legal forms; they can be easily downloaded online. No, instead, they are usually calling me for legal advice on how to “reverse”...
Disclose, Disclose: 8 Reasons Why a Rushed Real Estate Deal Still Requires Disclosures
As originally published in Miami Herald and Boston Globe (September 2013) by David Soble. With the spike in home sales, buyers and sellers alike are feeling the pressure to quickly close on their purchase transactions before mortgage rates go up and demand for new...
Meet David Soble
DAVID SOBLE
Real Estate & Finance Attorney