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Fairfield County reverse mortgage attorney

Mortgage payments, like any large loan, can make homeowners anxious. Most people understand how mortgages work: an individual borrows money from the bank to help finance the house, then makes monthly payments to pay off the debt. The loan must either be paid off in full or the home must be sold, which ends the mortgage payments for that particular property. A reverse mortgage works the opposite way. This type of home loan converts a property’s equity into cash payments. Some homeowners select to receive monthly installments or a large lump sum all at once. The reverse mortgage process may be a viable option for certain people, depending on their situation. There are also some qualifications that must be met for an individual to be considered eligible for this financial opportunity.

Do I Qualify For a Reverse Mortgage?

Reverse mortgages are not available for all homeowners, especially not young ones. Those individuals wishing to take advantage of this type of loan must be at least 62 years of age and own most of their primary residence. It is possible to have an outstanding mortgage on the house; however, it should be less than 50 percent of the home’s value.


Norwalk real estate foreclosure attorney

Going through a foreclosure is a situation that no homeowner expects or wishes to be in. Foreclosure is the process by which lenders recover an unpaid loan. The lender will repossess the property and resell it to make up for the monetary loss. In many cases, this happens to homeowners who fail to pay their mortgage on time. While this may sound like a harsh and sudden consequence, certain processes must be followed during foreclosure, providing homeowners with some notice before their home is taken away.

The Stages of Foreclosure

The four primary stages involved in foreclosure cases are:


Long Island Sound real estate attorney

Liens are common in contracts with property and high-value assets, yet many people do not know what they are and what they do. A lien gives someone the right to another person’s property. These rights remain “dormant” unless debts are incurred on that particular property. The most common example is a home loan. When an individual borrows money to help pay off a home through a loan, the property itself becomes collateral. In other words, a person agrees to allow the lender to take his or her property through foreclosure if he or she does not pay the money owed on the house. 

Tax liens work in a similar fashion. Local governments and the IRS can use liens to collect unpaid taxes. These liens do not have a single property listed, but rather, all current and future assets are available. Local governments and the IRS can collect from bank accounts and are able to collect money before all other creditors.


Stamford, CT contract drafting attorney

In all business relations, a contract should be written to ensure that all parties complete their end of the deal. Some businesses trust verbal agreements; however, those types of agreements are not always legally enforceable, as there is no written consent to back up a claim. While a contract does require agreement from both parties, it also creates formal obligations that can be enforced if necessary, while a verbal agreement does not. Regardless of your relationship with the other party, a legal contract is important to avoid future conflict and eliminate any gray areas that may exist.

Business Contract Necessities

Business contracts have elements that are required to make them eligible and enforceable in court. Much like marriage vows, business agreements have requirements that relate to the parties signing the contract and the agreement itself.


Stamford, CT landlord or tenant attorneyThe “bad tenant” and “mean landlord” stereotypes have always existed, and while they may not always have issues, it is fairly common for a landlord and tenants to butt heads. Tenants have certain expectations for their living space and landlords have to attempt to please every tenant in one form or another. Small issues are bound to occur between the building owner and his or her residents, but sometimes the disputes become big enough to require legal representation.

Common Complaints About Tenants

Complaining occurs on both sides of the housing contracts. The following are common issues that landlords experience with their buildings’ inhabitants:

  1. Paying Rent Late: Most people have paid their rent late at least once in their life. This may seem like a minor inconvenience for landlords, but there is more behind the scenes. A landlord’s business relies on the cash flow from tenants. Without this money, it can affect his or her ability to maintain the building and pay overall utility bills to keep everything in working order. If rent is late, a landlord can take legal action against the tenant and start the eviction process if late payments become a habit.

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