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Charles W. Cadrecha, Esq. and Florida Consumer Law Center, P.A. mourn the loss of Henry Hicks - a mentor, fellow attorney, and a man for others

Thursday, May 1, 2014

Henry Hicks, Esq., a fellow Florida Real Estate Attorney, died this past Saturday afternoon in an unfortunate and tragic boating accident. He will be forever remembered by our firm for the guidance and assistance he provided as we began our crusade to help Florida consumers in their fight to save their homes from foreclosure. Henry was beloved by a

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Fannie Mae and HUD Address Tampa Area Housing and Economy

Tuesday, July 10, 2012

  Where does the housing market stand?  According to FNMA’s News Releases dated  6/7/12 and 6/19/12, there is “cautious optimism for the gradual healing of housing”.  Fannie Mae Chief Economist Doug Duncan has stated that we are experiencing a spring lull in economic activity for the third year in a row. 

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Tampa Area Housing Market Not Yet Out of the Woods

Tuesday, July 10, 2012

  Several reports have indicated the increase in foreclosure activity within the Tampa Area. While the reports may show the numbers rising, they also speak of the overall gain since the housing “bust”. Realty Trac released a report dated June 14, 2012. They named the top 20 areas for foreclosure activity and Tampa was among this

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Fair Debt Collection Practices and Zombie Debt Collectors

Monday, July 9, 2012

I recently posted a blog regarding Fair Debt Collection Practices. In the blog, I mentioned verifying that the debt is a REAL debt and it is truly yours. While there are “scammers” out there I would also like to address “zombie debt collectors”. These are collection agencies that purchase bad debt that has exp

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Are You Being Harassed by Debt Collectors?

Thursday, June 28, 2012

Know your rights when dealing with these companies   All debt collectors must comply with the Fair Debt Collection Practices Act (http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm).  The Fair Debt Collection Practices Act, FDCPA, dictates how debt collectors can act when collecting a debt from you. Below is a list of things debt collect

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Penalties Levied Against Non-Compliant Loan Servicers

Monday, June 13, 2011

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Confidential Federal Audits Accuse Five Biggest Mortgage Firms Of Defrauding Taxpayers

Tuesday, May 24, 2011

This proves to be an interesting article particularly because it provides us with another example of Foreclosure Fraud being committed by our nation’s largest mortgage companies. Confidential Federal Audits Accuse Five Biggest Mortgage Firms Of Defrauding Taxpayers (Source:   By Shahien Nasiripour , Huffington Post) WASHINGTON

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How Did a Frustrated and Embattled Homeowner Turn the Tables and Foreclose on His Lender?

Thursday, March 3, 2011

By using some of the same legal strategies our law firm follows this homeowner was able to create leverage with his lender and eventually got a face to face meeting with a senior Wells Fargo representative regarding his claim. While his results are not typical, his story clearly shows that homeowners should not stand by quietly while their lender i

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Foreclosure mediators: Banks are pushing you to fail

Wednesday, February 23, 2011

This exact situation just happened to me in a recent mediation for a client that was already in foreclosure for months and hired me two weeks before their mediation. The good news is that I was there because the bank had previously sent them two modification offers that made their payment go UP By $300! When the bank rep said that the previous offe

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More reasons why having an attorney help with your loan modification may be better than doing it alone

Tuesday, February 22, 2011

At least once a week a new client comes into my office after throwing their hands up trying to get a modification. Simply put, the lenders don't really care if people get modifications and in some case, actually make more money if the loan goes into foreclosure. At the very least, having an attorney who will manage the process, defend your rights,

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Having a good offense is crucial in getting a loan modification approved

Friday, January 28, 2011

When client's come into my office and ask for a loan modification unfortunately I have to tell them that getting a loan modification is not guaranteed and will be up to the lender because it’s a voluntary program. Below is an article that explains why the government loan modification program isn’t working mainly because there is no reco

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Florida Consumer Law Center, P.A.
5201 W Kennedy Blvd, Suite 220
Tampa, FL 33609

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