What Foreclosure Means

Foreclosure is what occurs when a homeowner fails to make mortgage payments. The bank or creditor that loaned the money then takes possession of the home in foreclosure. The mortgage lender may put the foreclosed property up for sale to make up for any losses. We understand that foreclosure can be a very anxious and frustrating time—read on to learn more about foreclosures and your options—including a free consultation with an attorney at (800) 603-3900.

What is Pre-Foreclosure?

It all begins when the homeowner (a borrower) fails to make timely mortgage payments. Unfortunately, this inability to pay is usually due to hardship; divorce, unemployment, or disability—among many other reasons. You won’t lose your home for being a few days late on your payment; most banks give you a grace period along with a late fee. Foreclosure is a costly undertaking and lenders would rather avoid it if possible; it benefits them to let you keep your home. But things may start to get serious after 90 days when the default notices start coming in through the mail. This period of time is considered the pre-foreclosure phase (which can take months or years). You have foreclosure rights! Give us a call today to discuss the legal options to save your home.

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How Long Do Homeowners Have to Leave Their Home in a Foreclosure?

The bank or entity can begin to foreclose on your home after being delinquent on your payments for 90 days. Some lenders will foreclose at the 90-day, many may give you more time. Once you receive the notice of default, that’s how you know that your lender is taking action to foreclose on your property. From there, you’ll have an extra 90 days to pay before the lender files a Notice of Trustee—informing you that your home may get sold in an auction at a specific place and time. Some foreclosures take a few months, some have taken years to finalize. An experienced real estate attorney can help you—not only in getting you more time but also in preventing the loss of your home. Call today to discuss your foreclosure rights!

What is a Short Sale?

A short sale is when a bank or lender allows the homeowner to sell their home for a significantly lower price. For creditors, a short sale may be a better option over claiming the property by foreclosure and attempting to sell it later—since the latter can be quite costly. For the homeowner, a short sale can be very beneficial in protecting their credit, preventing foreclosure and its arduous process. A short sale is a much simpler endeavor for both parties involved.

What is Strategic Default?

These are homeowners choosing to simply abandon their homes and jettison a mortgage that they’ve kept current but that has them owing more than the house is worth. Even though the move will lock them out of a new mortgage for years, some borrowers think it’s worth it. Once a homeowner decides to become a strategic default and stops making the mortgage payment, it could take months, if not years, to finish the foreclosure process during which time the homeowner remains in possession of the home.

Mortgage Foreclosure is Debt Collection

Federal court ruled that a law firm that files an action to foreclose on a mortgage engages in “debt collection” and are subject to the requirements of the Fair Debt Collection Practices Act. Chase Home Finance retained a law firm to foreclose on property the Plaintiff had inherited. Chase dismissed the foreclosure action after the Plaintiff contested the bank’s ownership of the note on the property. The Plaintiff sued the firm, alleging its activities relating to the attempted foreclosure violated the Act. The firm argued that such activities are not “debt collection” within the meaning of the Fair Debt Collection Practices Act. The Court disagreed, explaining that “every mortgage foreclosure, judicial or otherwise, is undertaken for the very underlying debt, either by persuasion (i.e. forcing a settlement) or compulsion (i.e. obtaining a judgment of foreclosure, selling the home at auction, and applying the proceeds from the sale to pay down the outstanding debt). Accordingly, mortgage foreclosure is debt collection under the FDCPA”. Further, the Court held that an attorney who meets the general definition of a debt collector “must comply with the FDCPA when engaged in mortgage foreclosure. And a lawyer can satisfy that definition if his principal business purpose is mortgage foreclosure or if he ‘regularly’ performs this function.”

What to Expect in a Foreclosure?

Here’s what a typical foreclosure timeline may look like (the length of time varies per case):

1st Month – The Missed Payment

A typical foreclosure timeline begins with the first missed payment. Talk to your lender and communicate any hardships to discuss your options.

Notice of Default

After about three months in, you’ll get a notice of default—also known as a Lis Pendens (latin for suit pending), for missing payments.

3rd Month – Pre-Foreclosure

You got your Notice of Default; Now you’re in Pre-Foreclosure! You may have 1-4 months to Short Sale or pay the amount owed to stop foreclosure.

Notice of Trustee’s Sale

If you still haven’t resolved the default, you’ll get a notice of trustee’s sale with a date and time for a foreclosure auction where your house may get sold.

6th Month to a Year – Foreclosure

If no one buys the home at the foreclosure auction, the bank or lender claims the property and sells it through real estate agents, auctions, and property listing services.

CLICK HERE to read about ‘Avoiding Foreclosure’ from HUD.gov

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WHAT IS EMPLOYMENT DISCRIMINATION?

Employment discrimination means that an employee received unfair treatment or harassment in the workplace due to race, religion, sex, pregnancy, gender identity, sexual orientation, nationality, disability, or age. Workplace discrimination occurs when an employee gets treated unjustly, compared to his or her peers. Discriminatory action may include biases when hiring, firing, giving promotions, assigning jobs, compensation, and several types of harassment.

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WHAT ARE THE TYPES OF EMPLOYMENT DISCRIMINATION?

Job Discrimination

Title VII of the Civil Rights Act of 1964 prohibits discriminating in hiring, firing or pay based on a persons’ race, religion, sex or national origin. It also prohibits sexual harassment. Treat all employees and applicants equally, without regard to their race, religion, gender or any other characteristics not related to job performance.

Gender-Pay Differences

The Equal Pay Act says you can’t pay female employees less than male employees for equal work on jobs that require equal skill, effort, and responsibility. Review pay scales to identify possible equal-pay complaints. Different pay for the same job title is fine as long as you can point to varying levels of responsibility, duties, skill requirements or education requirements.

Age Discrimination

The Age Discrimination in Employment Act says you can’t discriminate against applicants or employees older than 40 because of their age. Never take a person’s age or proximity to retirement into account when making decisions on hiring, firing, pay, benefits or promotions.

Disability Discrimination

The Americans with Disabilities Act (ADA) prohibits job discrimination against qualified people with disabilities (i.e., those who can perform the job’s essential functions with or without reasonable accommodation). When hiring, stick to questions about the applicant’s ability to perform the job’s essential functions; don’t ask questions that would reveal an applicant’s disability.

Family Leave

The Family and Medical Leave Act (FMLA) applies if you have 50 or more employees. It allows eligible employees to take up to 12 weeks per year of unpaid, job-protected time off for the birth of a child or to care for themselves or a sick family member with a “serious” health condition. When employees request leave, listen for requests that would meet the FMLA criteria. Employees don’t need to use the words “FMLA leave” to gain protection under the law.

Overtime/Minimum Wage

The Fair Labor Standards Act (FLSA) sets the federal minimum wage at $5.15 an hour (many states have higher minimums) and requires time-and-a-half overtime pay for hourly employees who work more than 40 hours in a workweek.

Workplace Safety

The Occupational Safety and Health Act (OSHA) requires employers to run a business free from recognized hazards. Provide a safe work environment for your staff.

Pregnancy Discrimination

The Pregnancy Discrimination Act (PDA) prohibits job discrimination on the basis of “pregnancy, childbirth and related medical conditions.” Treat pregnant employees the same as other employees on the basis of their ability or inability to work.

Military Leave

The Uniformed Services Employment and Reemployment Rights Act (USERRA) makes it illegal to discriminate against employees called to military duty. When reservists return from active duty, you must re-employ them to their old jobs or to equal jobs.

Immigration

The Immigration Reform and Control Act makes it illegal to hire and employ illegal aliens. You must very identification and workplace eligibility for all hires by completing I-9 Forms.

OLDER WORKERS AND AGE DISCRIMINATION CLAIMS

The Age Discrimination in Employment Act (ADEA) forbids age discrimination by an employer with 20 or more employees against people who are age 40 or older. Although some states do have laws that protect younger workers from age discrimination, it does not protect workers under the age of 40. Discrimination can occur when the employer’s representative who inflicted the discrimination and the applicant for employment or the employee are all over the age of 40. However, it is illegal for an employer or other covered entity to favor an older worker over a younger one, even if both workers are age 40 or older.

The ADEA forbids discrimination when it comes to any aspect of employment, including hiring, firing, pay, job assignments, promotions, layoff, training, fringe benefits, and any other term or condition of employment. It is common to see harassment at the workplace relating to the age of an employee. These may include offensive remarks about a person’s age. Simple teasing, offhand comments, or isolated incidents are not considered harassment. However, it is illegal when the offensive remarks about age are so frequent or severe that it creates a hostile or offensive work environment or when it results in an adverse employment decision such as termination of employment or demotion. The harasser can be a supervisor, a co-worker, or someone who is a customer.

Thus, it is very important for employers to seek preventative legal counseling to be able to take appropriate measures to properly document and address any harassment and/or other issues relating to age discrimination at workplace. All incidents should be thoroughly investigated internally by the employer and well-documented with the steps that the employer has taken to stop such unlawful conduct like disciplining employees and having appropriate policies and procedures or by requiring appropriate training for employees.

PREGNANCY IN THE WORKPLACE

In a recent case decided by the U.S. Supreme Court, it was held that an employer could not treat a pregnant worker differently than a non-pregnant worker unless the employer had a good non-discriminatory reason. The case centered around an employee who was denied a light-duty assignment because she was advised not to lift more than twenty pounds when her job required her to lift up to seventy pounds. The employer placed her on unpaid leave and thereby she lost her health insurance. The employee then sued based on the Pregnancy Discrimination Act, which states that, “women affected by pregnancy, childbirth, or related medical conditions shall be treated the same for all employment-related purposes—as other persons not so affected but similar in their ability or inability to work.

The employee argued that she was “similar in [her] inability to work” as someone who pulled her back while lifting a package on the job. The employer argued that the term “other persons” in the law was more limited, referring only to workers who were in the employee’s situation – those whose disabling condition occurred off the job. The Supreme Court rejected both arguments and found a compromise position. Employees can make a prima facie case by showing that they belong to the protected class, that they sought accommodation, that the employer did not accommodate them, and that the employer did accommodate others similar in their ability or inability to work. The employer may then seek to justify its refusal to accommodate the plaintiff by relying on “legitimate, nondiscriminatory” reasons for denying accommodation. The employee can then counter by showing that the nondiscriminatory reason is just a cover for discrimination. A jury would then decide which evidence they believe is stronger.

LIABILITY FOR SEXUAL HARASSMENT OF EMPLOYEES

Having sexual harassment policies in place is no guarantee that your clients or their employees are adequately protected. After all, many businesses still make mistakes when it comes to investigating claims of harassment and discrimination. For example, they may fail to maintain confidentiality or to remind parties about policies regarding retaliation. If you own or manage a business, it is important to ensure that your policies, both in writing and in practice, sufficiently protect your employees and reduce the risks of the businesses’ liability.

Sexual harassment generally takes the form of unwanted sexual advances There are situations when employees are sexually harassed by customers or other third parties rather than by other employees. This is often referred to as third party sexual harassment and can lead to employer liability. While sexual harassment laws differ among states, if your company has 15 or more employees, it will also be subject to federal laws enforced by the Equal Employment Opportunity Commission (“EEOC”) under Title VII. EEOC complaints normally involve a formal investigation and findings and could also lead to a federal lawsuit being filed by an employee or by the EEOC itself.

Upon receiving a complaint of sexual harassment, an employer should promptly investigate and take reasonable actions against an employee found to have committed sexual harassment. Employers can also take actions to address the harm to the victim. If third parties are creating hostile work environments for your company, you should still take prompt action to remedy the situation. In these situations, employers should investigate the complaint as if the offender were an employee and take reasonable steps to protect their employees, even if it may harm business relationships.

EMPLOYER LIABILITY FOR HARASSMENT AT WORK

Harassment is a form of employment discrimination that violates Title VII of the Civil Rights Act of 1964, the Age Discrimination in Employment Act of 1967, and the Americans with Disabilities Act of 1990. A determination of whether harassment is severe or pervasive enough to be illegal is made on a case-by-case basis by the Equal Employment Opportunity Commission.
The employer is automatically liable for harassment by a supervisor that results in a negative employment action such as termination, failure to promote or hire, and loss of wages. If the supervisor’s harassment results in a hostile work environment, the employer can avoid liability only if it can prove that it reasonably tried to prevent and promptly correct the harassing behavior, and the employee unreasonably failed to take advantage of any preventive or corrective opportunities provided by the employer.

THE BENEFITS OF EMPLOYMENT AGREEMENTS

Every business needs legally binding employment agreements. They need contracts for different types of employees including full time, part time, and casual. Contracts are also necessary for any independent contractors. A good employment contract will spell out what exactly you expect the employee to do (the parameters of their job). In addition, the contract will spell out what your employee can expect from you (normally a salary or hourly wage). However, there are other terms that you can include in an employment contract, such as: reasons and grounds for termination, covenants not to compete, non-disclosure agreements, methods for resolving disputes, and anything else deemed important.

A good employment agreement should also define the kind of behavior you expect employees and even contractors to engage in. If employees violate this and engage in behaviors that damage the business then you’ll be within your legal rights to terminate their employment. It’s a safeguard every small business needs. A good employment agreement will also serve to protect your business if any lawsuits arise. If an employee or independent contractor signs a contract then a business owner can limit a lot of responsibility and damage he or she could face during legal proceedings. Contact Spiegel & Utrera to ensure that your business is using employment agreements which protect your business.

HOW DO YOU PROVE EMPLOYMENT DISCRIMINATION?

Proving that you were a victim of employment discrimination or workplace harassment can be a difficult task. Here are some of the things you might need:

Communications like texts, e-mails, and letters containing biased or derogatory language.
Check your employment contract to see if there’s a breach of contract; consider having a lawyer check it for you.
Compare how other employees got treated and recognize if anyone else was also a victim for the same reasons.
Check to see if the employer has ever been sued before.

OTHER WAYS WE CAN HELP

Agreement Reviews
An Employee Manual
An Employee Warning Notice
Anonymity
Asset Purchase Agreements
Authorization for Release of Information for Employment Screening
Avoiding Probate with the use of an Ownership Trust for Corporate Stock
Bank letter
Business license
Capital stock, non-voting stock, preferred stock
Certificate of Good Standing
Choosing a Name for Your Corporation
Corporate Stock Purchase Agreements
D & B Number
Daily/Weekly Time Record
Employee Benefits & Policies
Employment Agreement
European Union Save Harbor Website Privacy Policy
Federal Copyright for Your Website
Federal Servicemark

Federal Tax ID Number
Federal Trademark
Fictitious, Assumed or Alternate Business Name
Franchise Agreements
Franchise Agreements Review
Indemnification Agreement
Independent Contractor Agreement
IRS Section 1244 Corporate Stock
Labor Law Notices
Lease Reviews
Lender’s Agreement and Promissory Note
Mail Forwarding
Minority Business Certification
Notice of Acknowledgement of Pay Rate and Payday
Ongoing Legal Assistance
Perfecting any Lien Created by the Security Agreement
Privacy Policy for Your Website
Qualified Sub Chapter S Subsidiary
Security Agreement
Service Agreements

Service Agreements
Service Disabled Veteran Small Business Certification
Sexual Harassment Prevention Policy
Shareholder Divorce Protection
Shareholder’s Restrictive Agreement
Start-Up Money for Your Business
State New Hire Reporting
State Sales Tax Number
State Servicemark
State Trademark
State Unemployment Tax Account Number
Stock Options
System for Award Management (SAM) Number
Taxpayer Identification Number for Foreigner
Terms and Conditions for Your Website
USDOT Number
Veteran Owned Small Business Certification
Women Owned Business Certification
Worker’s Compensation Exemption Registration for Construction
Worker’s Compensation Exemption Registration for Non-Construction

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Spiegel & Utrera, P.A.

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Unlimited Legal Advice: $139.95 Per Year
9 Locations in 9 American States
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Gonzalo Estrada

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Great service, great price. Very professional law firm. Staff Is extremely helpful and knowledgeable. Thank you Spiegel & Utrera for helping me start my company.

WHAT IS INTELLECTUAL PROPERTY?

Intellectual property is an intangible product of the human intellect, a creation that originates from someone’s mind; an invention, written content, images, even names—is someone’s intellectual asset. The law can protect your intellectual property from being stolen and you should take the necessary steps to defend it from copycats before you claim the reputation and financial benefit that your creation may bring. The government wants to encourage people to invent new technologies, innovate, and express creativity to ultimately promote economic growth. There are many tools at your disposal and types of intellectual property. Read on to find out!

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What Types of Intellectual Property are there?

The types of intellectual property include Copyrights, Trademarks, and Trade Dress. The types of intellectual property protection shield your secret information, protects your brand, defends your works of authorship or artistry, and functional creations or features.

Do I Need a Lawyer?

Hiring an experienced attorney knowledgable in the legal implications of your intellectual property and the laws in the area—can save you a ton of money, time, and nuisances. You will want to protect your valuable intellectual property with a licensing agreement. Typically, there are two arrangements involving a licensing agreement. Fill out the contact form for immediate assistance, or give us a call at (800) 603-3900 for a free consultation.

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WHAT IS A COPYRIGHT?

A copyright is a kind of protection granted by the laws of the United States to the authors of “original works of authorship” including literary, dramatic, musical, artistic, and certain other intellectual works. This protection is available to both published and unpublished works.

What is Fair Use in Copyright Law?

Fair use is the concept that certain types of use of federal Copyright protected works do not require the federal Copyright holder’s authorization because the use is minimal enough that it does not interfere with the federal Copyright holder’s exclusive rights to reproduce and otherwise reuse the work. Fair use is primarily designed to allow the use of the federal Copyright protected work for commentary, parody, news reporting, research, and education. However, fair use is not an exception to federal Copyright compliance so much as it is a “legal defense.” That is if you use a federal Copyright protected work and the federal Copyright owner claims federal Copyright infringement, you may be able to assert a defense of fair use, which you would then have to prove it in court.

What is a Trade Secret Copyright?

Copyrighted works may contain trade secrets or confidential information. In such a circumstance, a federal copyright owner definitely does not want to make their work available for full public disclosure. There are exemptions where there is no public disclosure or a partial public disclosure of the work so that trade secrecy is maintained. Let Spiegel & Utrera, P.A. protect your trade secrets by registering your federal copyright with the U.S. Government.

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WHAT IS A TRADEMARK?

A Trademark is a word, name, symbol, phrase, slogan, or combination of these items which is used to mark and identify goods or services to indicate their source or origin throughout the United States. Trademark rights may be used to deter others from using the same or a similar Mark in the United States.

Click Here To Register Your Trademark

What are the Trademark or Servicemark Registration Requirements?

The Federal Trademark or Servicemark Registration requirements include:

The Mark is registered under the owner’s name and provided they offer goods or services under the Federal Trademark or Federal Servicemark. An owner may be an individual or business entity such as a corporation, limited liability company or partnership.
If the owner is a business entity, the type and nationality must be specified.
The application is based on actual use or an intent-to-use the Mark in commerce.
An actual use application requires a description of the products or the advertising or promotional materials the Mark has been placed upon.
An intent-to-use application requires a statement in good faith that the owner intends use the Mark in commerce, but such Mark will not be registered until it is actually used. The U.S. Government will issue a Notice of Allowance, which grants six months to either use the Mark in commerce or file for an extension. Once the Statement of Use is filed, then a registration certificate will be issued.
A drawing of the Mark and a specimen of the Mark must be submitted when the application is based on actual use. Depending on the type of application, the drawing should depict the Mark as it has been used or how the owner intends to use it. A drawing is necessary even when a specimen is submitted as well. A specimen is a real-world example of how Mark is actually used on the goods or in service. The mark and any logo or drawing must match identically the mark and logo or draw on the specimen.

WHAT IS A TRADE DRESS?

Trade Dress is a distinctive, nonfunctional feature, which distinguishes a merchant’s or manufacturer’s products or services from those of another. The Trade Dress of a product involves the “total image” and can include the color of the packaging, the configuration of goods, etc. Even the theme of a restaurant may be considered Trade Dress. Examples include the packaging for Wonder Bread, the tray configuration for Healthy Choice frozen dinners, the Happy Meal box for children at McDonald’s fast-food restaurant and the color scheme of Subway sub shops. Such a broad and ambiguous definition makes Trade Dress very easy to manipulate. Seeking protection against Trade Dress infringements can be vital to the survival of a business.

What is the difference between Trade Mark and Trade Dress?

Trademarks typically only involve a set of words or a logo. Some Trade Dress features include size, shape, color combinations, and graphics in relation to things like product packaging or restaurant or store atmosphere.

PROTECTING YOUR BUSINESS’ INTELLECTUAL PROPERTY

For many small business owners, the topic of intellectual property makes them run in the other direction because of the fallacy that it is not worth their time or effort to secure intellectual property rights. However, many emerging businesses soon discover that a competitor is using their ideas such as packaging, logos, names and other protectable items costing them lost revenue due to consumer confusion. Unlike patents, which must go through a rigorous application process with the United States Patent and Trademark Office, trademarks can be obtained with relative ease. Your company name, logos, slogans, and any other identifiable marks consumers relate to recognizing your company and its products or services must be registered trademarks to be protected from your competitors. Your company’s reputation is at stake – you must be armed with registered trademarks to protect your company.

OTHER SERVICES:

Agreement Reviews
An Employee Manual
An Employee Warning Notice
Anonymity
Asset Purchase Agreements
Authorization for Release of Information for Employment Screening
Avoiding Probate with the use of an Ownership Trust for Corporate Stock
Bank letter
Business license
Capital stock, non-voting stock, preferred stock
Certificate of Good Standing
Choosing a Name for Your Corporation
Corporate Stock Purchase Agreements
D & B Number
Daily/Weekly Time Record
Employee Benefits & Policies
Employment Agreement
European Union Save Harbor Website Privacy Policy
Federal Copyright for Your Website
Federal Servicemark

Federal Tax ID Number
Federal Trademark
Fictitious, Assumed or Alternate Business Name
Franchise Agreements
Franchise Agreements Review
Indemnification Agreement
Independent Contractor Agreement
IRS Section 1244 Corporate Stock
Labor Law Notices
Lease Reviews
Lender’s Agreement and Promissory Note
Mail Forwarding
Minority Business Certification
Notice of Acknowledgement of Pay Rate and Payday
Ongoing Legal Assistance
Perfecting any Lien Created by the Security Agreement
Privacy Policy for Your Website
Qualified Sub Chapter S Subsidiary
Security Agreement
Service Agreements

Service Agreements
Service Disabled Veteran Small Business Certification
Sexual Harassment Prevention Policy
Shareholder Divorce Protection
Shareholder’s Restrictive Agreement
Start-Up Money for Your Business
State New Hire Reporting
State Sales Tax Number
State Servicemark
State Trademark
State Unemployment Tax Account Number
Stock Options
System for Award Management (SAM) Number
Taxpayer Identification Number for Foreigner
Terms and Conditions for Your Website
USDOT Number
Veteran Owned Small Business Certification
Women Owned Business Certification
Worker’s Compensation Exemption Registration for Construction
Worker’s Compensation Exemption Registration for Non-Construction

Spiegel & Utrera, P.A.

Weekdays from 8:30am to 5:30pm
Unlimited Legal Advice: $139.95 Per Year
9 Locations in 9 American States
1-800-603-3900

Gonzalo Estrada

★★★★★

Great service, great price. Very professional law firm. Staff Is extremely helpful and knowledgeable. Thank you Spiegel & Utrera for helping me start my company.

WHAT IS A REAL ESTATE DISPUTE?

Real estate disputes can cost you quite a bit of money—regardless if you’re a person buying a home or a corporation leasing commercial real estate. A carefully crafted contract can avoid a lot of the pitfalls.

Types of Real Estate Disputes include:

Breach of Contract: A breach of contract is a legal civil matter in which one or more parties fail to meet the responsibilities of a binding agreement or by intervening—keeping the other party from fulfilling their obligations. Neglecting to perform any of the terms of a contract without a valid legal reason will end in a breach of contract. The types of contracts include written contracts and verbal contracts. Written contracts easily present proof for breach of contract in court, and help ensure that both parties uphold the terms of an agreement. Conversely, presenting proof of a breach of contract for a verbal agreement is much more difficult and entails supporting paperwork such as e-mails, quotes, invoices, and notes.

Specific Performance: This is where forcing the party at fault to pay monetary damages isn’t enough—requiring particular action or a cease thereof on their part.

Boundary disputes or border disputes are the reason for many neighbor disputes. Surprisingly, not a lot of people know where the exact line of their property is or what the precise edges of their boundaries are. The boundary dispute can also be due to both neighbors possessing deeds that claim bits of the same land.

Co-owner disputes may arise when one owner refuses to pay rent or compensate the other owner, or pay their share of property expenses. Co-owners also disagree on management issues and can’t come to a compromise on how to handle and use the property. Unless declared in an agreement, co-owners have equal rights to the property—and responsibilities. A co-owner dispute may also take place when one party decides to end the co-ownership.

Title disputes may come up when the owners don’t agree over who owns a specific part of the land or property. The deeds created in recent times outline property boundaries a lot better than they used to. These types of disputes aren’t common and usually arise when one neighbor decides to build a new construct like a fence or a shed.

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HOW TO PREVENT A REAL ESTATE DISPUTE?

Knowing your title, deed and property records in every aspect and installing a contract that covers all your bases is the best way to make sure that property disputes don’t happen, get easily resolved in your favor if they do, and prevent you from any losses. The attorneys at Spiegel & Utrera—with 175 years of experience, can help you establish an iron-clad agreement without breaking the bank! Give us a call at (800) 603-3900.

DON’T SIGN THAT LEASE—let our attorneys review your lease first. With over 175 years of experience and 265,000 clients, we can make sure you’re aware of all the legal implications in what you’re signing. Avoid future headaches from property disputes, breaches of contract, fees, damages, and legal action.

CREATE A LEASE AGREEMENT—don’t settle for a free template! Formulate a lease agreement with knowledge of the legal implications of your property and business in mind. We compose business and property specific terms that avoid pitfalls and cover all your bases with both a short-term and long-term application.

WHAT ARE THE REMEDIES FOR A REAL ESTATE DISPUTE?

In most cases, awarding monetary compensation to the non-liable or non-breaching party for losses would remedy the real estate dispute. Other remedies for real estate disputes include:

Injunctions to discontinue or prevent an action from the liable or breaching party.
Fines or penalties, to the breaching party as punishment and to discourage others from similar action.
Specific performance that requires one party to perform towards completing their contractual obligations.
A Judicial Lien on the property until all debts and compensatory action is fulfilled.

DO I NEED AN ATTORNEY?

Real estate disputes might suggest a variety of legal remedies—whether it be from a buyer’s or seller’s perspective. Hiring an experienced attorney knowledgable in the legal implications of your real estate property, the type of business it is, and the laws in the area—can save you a ton of money, time, and nuisances. Fill out the contact form below for immediate assistance, or give us a call at (800) 603-3900 for a free consultation.

SUBMIT CONTACT DETAILS

If you are a member of Spiegel & Utrera, P.A.’s General Counsel Club and have business related questions, call 1-800-734-9900 or clubassist@amerilawyer.com for assistance.
REMEMBER, as a member of the General Counsel Club, you receive unlimited legal, business, credit and tax advice all year long.

Spiegel & Utrera, P.A.

Weekdays from 8:30am to 5:30pm
Unlimited Legal Advice: $139.95 Per Year
9 Locations in 9 American States
1-800-603-3900

Gonzalo Estrada

★★★★★

Great service, great price. Very professional law firm. Staff Is extremely helpful and knowledgeable. Thank you Spiegel & Utrera for helping me start my company.

WHAT IS A BREACH OF CONTRACT?

A breach of contract is a legal civil matter in which one or more parties fail to meet the commitments of a binding agreement or by interfering—keeping the other party from fulfilling their obligations. Failing to perform any of the terms of a contract without a valid legal reason will result in a breach of contract. The types of contracts include written contracts and verbal contracts. Written contracts easily provide proof for breach of contract in court, and help ensure that both parties uphold the terms of an agreement. Conversely, presenting proof of a breach of contract for a verbal agreement is much more difficult and requires supporting paperwork such as e-mails, quotes, invoices, and notes.

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WHAT TYPES OF BREACH OF CONTRACT ARE THERE?

The types of breach of contract include:

MATERIAL BREACH

A Material Breach of Contract means that a party delivered something significantly different than what they agreed to and specified in the contract. As an example, completing a deadline a day later than stipulated would be a minor breach, whereas providing a product or service outside of specifications may be a material breach.

ANTICIPATORY BREACH

An Anticipatory Breach of Contract occurs when a breach of contract is expected due to a party refusing or being unable to fulfill their end of the deal or failing to timely satisfy conditions, giving the other party enough proof or reason to believe that the agreement will result incomplete by the due date.

MINOR BREACH

A Minor or Partial Breach of Contract suggests that a party has met the primary commitments of a contract but failed to satisfy a condition, minor term, or part of their responsibilities. This minor breach of contract may still be significant if it results in damages.

ACTUAL BREACH

An Actual Breach of Contract means that one party refused to do what the terms said they would do by the deadline, or failed to fully deliver as promised.

FUNDAMENTAL BREACH

A Fundamental Breach of Contract is when one party breaks the terms of the contract, potentially allowing the other party to sue for damages and end the contract.

WHAT HAPPENS IF THERE IS A BREACH OF CONTRACT?

The first thing you may want to do is check the contract to see if there’s any terms or conditions in place for the event of a contract breach. Next, let the other party know that a breach of contract has occurred. Providing the court with proof that you notified the other party and tried to correct the breach of contract can only help your case. Compile every related record, document or paperwork and talk to a reliable business lawyer. If you need business legal advice, please give us a call; Spiegel & Utrera, P.A. is a fully licensed business law firm that delivers professional legal services at extremely affordable prices.

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WHAT ARE THE REMEDIES OF A BREACH OF CONTRACT?

In the case of a breach of contract, there are several methods to remedy the situation. The primary objective of remedies in contract law is to make sure that the non-breaching party ends up in the position they would have been in if the breaching party had performed as the contract promised. Some of the remedies for breach of contract include:

COMPENSATORY DAMAGES:

the party at fault for the breach of contract pays compensation for any damages incurred by the breach, along with payment to the non-breaching party for hiring someone else to complete what they failed to deliver—among any other losses.

PUNITIVE DAMAGES:

may be given out to punish the wrongful party and to deter others from doing the same. Punitive damages typically apply to a party that acted maliciously, fraudulently, willfully.

BREACH OF CONTRACT AND MANDATORY ARBITRATION

When drafting a contract, both parties should pay very close attention to what will happen in the event of a breach. As a signatory, you should be able to predict what exactly will happen legally if a party were to breach the contract. For example, including a mandatory arbitration clause in the event of a lawsuit can be an effective method for resolving future disputes. In arbitration, the dispute is submitted to a third-party (arbitrator) that settles the dispute after hearing a presentation by both parties. Arbitration, most of the time, is much less expensive than the court process. There are lower costs in arbitration than there are in for preparing for trial. The rules of evidence are usually more relaxed than in a trial—therefore, documents can be submitted without using formal court procedures.

WHAT CAN YOU SUE FOR IN A BREACH OF CONTRACT?

You can sue for compensatory damages to recover from any losses incurred by the breach of contract. You can also claim consequential damages for the loss of profits you would have earned if the breaching party performed as promised. Liquidated damages typically occur if there is a condition in the agreement that outlines the penalty or compensation for a breach of contract. The non-breaching party may also be awarded Equitable Relief in place of monetary damages, which forces the breaching party to discontinue or take a specified action in relief of the injured party.

HOW MUCH CAN YOU SUE FOR IN A BREACH OF CONTRACT?

You can sue for a breach of contract in a small claims court for dollar amounts ranging from $1,500 to $15,000. If the compensation you are pursuing exceed the power of a small claims court, consider suing in a civil trial court. Though able to represent yourself in both courts, you should hire a lawyer to attain maximum compensation and cover all your bases.

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To attract investors and build a line of credit you need to project business finances

Essentially, you must make educated guesses about how much money will be spent and how much will be taken in. Then you can use these estimates to calculate whether your business will be sufficiently profitable to sustain a bottom line. Usually a business will start off operating lean until you start building a customer base. If your projections show your business losing money initially, then you must consider raising prices or cutting costs while still in the planning stage. This can help you avoid sinking money into a business that cannot be profitable. On the other hand, if your business model shows profitability, then you can start to invest more and build your enterprise.

Understanding projected financial situation through estimates and calculations

Start off with a break-even analysis by estimating income and expenses over the first year. In theory you should be able to turn a profit by the end of the first year. If not, then you must reconsider the business model. After determining the business can turn a profit, then turn to a month-by-month projection of your business’s net profits for the first year. Keep in mind that some businesses will be more or less profitable during certain months due to seasonal turnover. Finally, determine a start-up cost estimate. There are few generic costs that are common to all business types, they include, research expenses, insurance, business license, incorporation costs, permit fees, equipment and supplies, advertising and promotion, borrowing costs, employee costs and technological expenses. These costs should be included in your business plan to give a true picture of how much money you will need to get off the ground.

If you are a member of Spiegel & Utrera, P.A.’s General Counsel Club and have business related questions, call (800) 734-9900 or clubassist@amerilawyer.com for assistance. Remember, as a member of the General Counsel Club, you receive unlimited legal, business, credit and tax advice all year long.

Spiegel & Utrera, P.A. is a corporate law firm with its main offices located in Miami, Florida with offices throughout the United States. As a law firm, we do more than just help you form your business entity. We stand ready to help with the maintenance of your legal business entity! We will assist you with Incorporation Service,Trademarks, Copyrights, Estate Planning, Legal Counsel, Wills,Trusts, Agreements & Leases, Corporate & Company

Any non-profit that makes, or intends to make a charitable solicitation must register with the State

Charitable solicitations include statement in which appeals for charitable purpose, the name of the organization is used, or implies that the contribution will be applied to a charitable purpose. The registration requirement is triggered when your organization asks for a donation, not necessarily when the organization receives a donation. After receiving the donation additional requirements present themselves at the federal level. The IRS requires charitable organizations to file an Annual Report (Form 990 or Form 990 EZ). On this report you will have to answer questions about your organization’s fundraising activities and registrations.

Exemptions from Registration Requirements

Some non-profits are exempt from registration because they are already highly regulated by other agencies; for example, non-profit hospitals and education institutions. Religious organizations may be exempt in some cases because states don’t want to interfere with the free exercise of religion. Also, some non-profits may not receive enough donations to qualify for registration. Nevertheless, determining whether your non-profit is exempt can be difficult. If your non-profit receives contributions under $25,000 per year, then it is exempt in New York but not California. Therefore, if you plan on fundraising out of state, you will need to take a close examination of each state’s law.

Spiegel & Utrera, P.A. is a corporate law firm with its main offices located in Miami, Florida with offices throughout the United States. As a law firm, we do more than just help you form your business entity. We stand ready to help with the maintenance of your legal business entity! We will assist you with Incorporation Service, Trademarks, Copyrights, Estate Planning, Legal Counsel, Wills,Trusts, Agreements & Leases, Corporate & Company

The recession of 2008-2009 made it increasingly difficult to obtain a small business loan. Most lenders want to see an existing financial record that reassures them you will be able to repay the loan. Remember that banks are lenders. They are not investors and they’re not interested in making equity investments in businesses. What is an entrepreneur to do? Most entrepreneurs start their small business with personal savings, credit cards, and personal loans from family and friends.

An alternative that is popular with entrepreneurs is Crowdfunding through websites such as Kickstarter and Indiegogo. Crowdfunding essentially utilizes other backers to finance your product or business. To date, Kickstarter startups have raised over $2,500,000,000 and Indiegogo has funded over $800,000,000.

There are several reasons why crowdfunding may be the answer to financing your business. In an economy where e-commerce allows us to easily make online purchases with the click of the mouse, many consumers still crave more personal connections and are opting for small startups. Investors are always eager to be a part of a startup’s success. Additionally, entrepreneurs who can’t qualify for a bank loan or have decided the risks associated with obtaining a bank loan far outweigh the benefits can pursue crowdfunding without worrying about risks.

Spiegel & Utrera, P.A. is a corporate law firm with its main offices located in Miami, Florida with offices throughout the United States. As a law firm, we do more than just help you form your business entity. We stand ready to help with the maintenance of your legal business entity! We will assist you with Incorporation Service, Trademarks, Copyrights, Estate Planning, Legal Counsel, Wills,Trusts, Agreements & Leases, Corporate & Company

Tesla Motors, Inc. (“Tesla”) is a publicly traded company on the NASDAQ. Tesla develops, designs, manufactures, and offers for sale fully electric performance vehicles and advanced power-train components for electric vehicles. Although Tesla was founded here in the United Sates, it now has more remote locations and delivers its cars to consumers all over the world. Tesla has enjoyed great success recently. Tesla’s stock has made early shareholders of the company very happy.

Nevertheless, several U.S. law firms attempted to bring class-action shareholder derivative claims when reports of Tesla vehicles catching fire after accidents emerged, which caused a temporary sell-off of Tesla’s stock. The lawsuits claimed that Tesla violated SEC disclosure rules by failing to disclose to shareholders that the vehicle had safety issues. However, the lawsuits did not move forward because shareholders rejected the formation of the shareholder class. Shareholders claimed that they did not need the protection of a class-action lawsuit because they did not believe that the vehicle has a design defect that makes it prone to fires. This illustrates that although shareholder derivative claims are a valid concern for any publicly traded company, an excellent way to defend your business against such lawsuits is to keep your shareholders happy through outstanding financial performance.

Spiegel & Utrera, P.A. is a corporate law firm with its main offices located in Miami, Florida with offices throughout the United States. As a law firm, we do more than just help you form your business entity. We stand ready to help with the maintenance of your legal business entity! We will assist you with Incorporation Service, Trademarks, Copyrights, Estate Planning, Legal Counsel, Wills,Trusts, Agreements & Leases, Corporate & Company

There are several ways that businesses can raise money. Some are very well known while others are not as familiar to business owners. Below are two ways your business can raise money that may be unfamiliar:

1. ROBS Programs on a 401(k): Rollovers as Business Startups (ROBS) are programs tat allow a business owner to take tax-deferred retirement funds and use them to start or buy a business without early withdrawal penalties. Do be careful as these programs have a very complex rules provided by the IRS and if not handled correctly could result in penalties and other issues.

2. Vendors: If you are a good customer you could ask a vendor if he or she offers any extended repayment terms. Vendors may have their own financing programs or terms. “Pay on scan” could be one option, where the supplier is paid for the inventory only when it is sold to a customer. There are many costs that can be eliminated to allow your business to operate more efficiently and save money.

If you are a member of Spiegel & Utrera, P.A.’s General Counsel Club and have business related questions, call (800) 734-9900 or clubassist@amerilawyer.com for assistance. Remember, as a member of the General Counsel Club, you receive unlimited legal, business, credit and tax advice all year long.

Spiegel & Utrera, P.A. is a corporate law firm with its main offices located in Miami, Florida with offices throughout the United States. As a law firm, we do more than just help you form your business entity. We stand ready to help with the maintenance of your legal business entity! We will assist you with Incorporation Service,Trademarks,Copyrights,Estate Planning, Legal Counsel, Wills,Trusts, Agreements & Leases, Corporate & Company

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WHAT HAPPENS IF THERE IS A BREACH OF CONTRACT?

WHAT ARE THE REMEDIES OF A BREACH OF CONTRACT?

BREACH OF CONTRACT AND MANDATORY ARBITRATION

WHAT CAN YOU SUE FOR IN A BREACH OF CONTRACT?

HOW MUCH CAN YOU SUE FOR IN A BREACH OF CONTRACT?

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