Foreclosure Attorney Ross Spano

January 20, 2012

Hear from expert foreclosure attorney Ross Spano on how to leverage your rights and what options you have to defend your home.


HOA Fees And Foreclosure

December 16, 2011

How important are HOA fees and should Tampa residents pay them during the foreclosure process?


More legal strategies for Foreclosures in Tampa

October 14, 2011

What happens if you stop paying on your mortgage? Chris Sommer of Hope for Homeowners Consulting and Michael Owen of Christmas & Spano answer this question and many more in this video:


Foreclosure consulting for investment property owners in Tampa

October 10, 2011

Chris Sommer of Hope for Homeowners and John Baker of Discount Management, Inc. talk and answer questions about Florida HOA’s and property management:


More foreclosure information in Florida or Wesley Chapel…

September 6, 2011

Did you know that there a way to avoid deficiency judgments? Yes. If you can stop foreclosure, you can avoid the judgment. In case you’re having difficulty in making mortgage payments and a foreclosure is imminent, you can look for various loss mitigation options like loan modification, deed in lieu (DIL), etc. A loan modification […]


Tampa Foreclosure information about deficiency judgements continued…

August 26, 2011

Let’s take a closer look at what deficiency judgments are now. So when you default on a loan and the lender repossesses your property, the value of the property may not pay off the loan. For example, you might owe $100,000 on your home, but it only sells for $80,000. You’re $20,000 short. Because the […]


Tampa Foreclosures and deficiency judgment explained.

August 15, 2011

When dealing with a Tampa foreclosure or short sale a lot of questions arise and one of them might be “What is a deficiency judgment and how does it impact me?” Well, a deficiency judgment is an unsecured money judgment against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the […]