JUDICIAL FORECLOSURE PROCEEDINGS

Judicial foreclosures are processed through the court system. The lender files a complaint stating what debt is owed with an explanation of why they should be allowed to recover the property from the borrower in lieu of debt settlement. A notice of Lis Pendens usually accompanies this complaint. A Lis Pendens means a notice of pending action.

The home or property owners are notified that there is intent to cure a default by mail and publication to have an opportunity to protect their interest in the court. If the court finds probable cause of default in debt settlement, it is then ordered that the amount owed is valid along with court costs. The property is then to be sold at public auction. When the property is sold, it is then presented in front of the court to protect the lender’s interest.

NON-JUDICIAL FORECLOSURE PROCEEDINGS

Sometimes Non-Judicial foreclosures are referred to as power of sale foreclosure. This procedure does not involve the court. The mortgage company sends a notice of default or a right to cure default and files a recording in the county recorders office. Often local publications are used along with these proceedings. There are some states that do not require a notice of default and can proceed without any direct contact with the owner. Most states require a time period for these proceedings and after this lapse the public auction is held and the property is sold to the highest bidder. Homeowners are generally allowed to redeem the property in a process called Statutory Redemption. This time period varies from 30 days to one year, depending on each state law.

Facing a foreclosure is frightening and often times confusing since each state is different. You should not face this alone. Act now to contact your lender to see if you can work out a repayment option to settle the debt. If this isn’t satisfactory solution, get a foreclosure expert to help you with the foreclosure. There are too many laws and terminology that the common man might not understand. You really need to take a look at a your finances to see where your problem lies and be upfront and honest with your lender.

A Foreclosure Prevention Service has numerous foreclosure options that can help you deal with the foreclosure process. Under the law, you have a right to remain in the property for a certain period of time. You may not be aware of this law. Foreclosure Prevention services explain this to you depending on your state law. They work with not only you but your lender to work out a program that will keep you in your home. The lender does not want your home, and are often more willing to work with a prevention mediation service. You should get help with foreclosure to protect you and your families before you agree to anything. After a Notice of Default has been filed you do not have a lot of time before the foreclosure is final. Do not turn away; act now. Get experts to help you save your home.

1. Handcuffs as a joke.

 

2. Tasers.

 

3. Arresting you once they find out you’re on the lam.

 

4. Bumping your head as you are put in the police car.

 

5. Screen tests (sudden stops while you are handcuffed so your face hits the screen)

 

6. Mixing up which party was at fault.

 

7. Finding open alcohol containers in your car.

 

8. Finding drugs in your car.

 

9. Having your car impounded.

 

10. Calling your parents, even if you are an adult.

 

Now, here are ten useful tips of advice from a personal injury lawyer to follow if you have been in an accident. You can also learn more about how to handle a personal injury in Redondo Beach, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com  and learning how we can assist you.

 

Obviously, if you have had an accident, and you are reading all of this advice, it’s probably been at least a few days since the accident. However, if it’s only been a few hours or if you ever have another accident, here’s what you should do the next time from the start.

 

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

 

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

 

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

 

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

 

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

 

Seventh, call a good personal injury lawyer as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good personal injury lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good personal injury lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most personal injury attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

 

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

 

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

 

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

 

If you’ve had a personal injury in Redondo Beach, Torrance, Carson, Brentwood, Manhattan Beach, Hermosa Beach, Rancho Palos Verdes, Santa Monica, Venice, Long Beach, Marina del Rey, Camarillo, Santa Maria, Santa Barbara, Ventura, Oxnard, Cambria or San Luis Obispo, or anywhere in Southern California, we have the knowledge and resources to be your Redondo Beach Personal Injury Lawyer and your Torrance Personal Injury Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

 

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.

Puerto Marina is the heart of Benalmadena Costa. It can accomodate more than 1000 moorings, and it is used on a daily by numerous boats, with all the services offered by a modern world class Yachting Marina. The port consists of leisure, commercial and residential facilities and is situated just 10km from Malaga´s international airport, which in turn is within 3 hours flying time from most european capital cities. Its been named the best Marina in the World, several times over the years and since 1987 has continually been awarded the European Blue Flag for its excellent services and clean waters.

Puerto Marina in Benalmadena has a special design which incorporates artificial islands giving this modern yachting harbour an avant-garde international flavour. Also with the blessed climate with an average annual temperature of 22º and around 320 days of sunshine and you have many people’s idea of utopia.

During the daytime you can visit the Sea Life Centre, hire a boat and endulge in a plethora of water sports activities, including; sailing, scuba diving, kayaking, and water skiing.

You can also wander through the streets of the busy port, with its many shops and boutiques, and choose from the huge array of restaurants and bars for lunch. For people who wish to try out Spanish ‘tapas’ there are many terrace bars to choose from, where you can sample many types of fish and other delicacies.

For people wishing to relax and take things at a more leisurly pace, Puerto Marina also has a fantastic beach with sunbeds and parasols for you to relax under and soak up the sun and the atmosphere of this special part of the mediterranean.

For the livelier and more energetic types, nightime is a must in Puerto Marina, you really are spoilt for choice in terms of evening entertainment. Start with drinks in anyone of the many classy and trendy bars. As the sunsets and the restaurants and bistro’s start to fill up, Puerto Marina caters for virtually any taste in dining. You will not be disappointed if you are fish lover, there are plenty of fish restaurants cooking the freshest catches of the day scattered all over the marina. You will also find fine Spanish, Italian, French, and Chinese dining experiences throughout the busy maze of streets.

Later into the night there are disco bars and nightclubs, for the young or young at heart to enjoy and dance the night away, that contribute to the electric atmosphere of this mediterranean port.

The harbour itself provides excellent services such as: Shipyard, Sailing school, Diving school and Nautical school. There exists a wide program of activities such as regattas, fishing and nautical competitions amongst others.

The Marina’s Centro Náutico was established to provide a place where sailing enthusiasts could meet up and arrange and enter sporting events. The centre also has social and formal meeting places, a restaurant and shops selling sailing and yachting equipment.

When you are visiting the Costa Del Sol region, Puerto Marina in Benalmadena is a must see and needs to be somewhere at the top of your “things to do” list.