The Ticktin Minute September 25, 2017 – Employee Rights During the Hiring Process

Employee Rights During the Hiring Process Most individuals know that employees have many rights in the workplace, but not many individuals know that prospective employees also have certain employee rights during the interview process. For instance, one major employee right a prospective employee has during the hiring process is to not be discriminated against. This…

The Ticktin Minute September 11, 2017 – Property Damage – Tips on What to do in the Aftermath

Property Damage – Tips on What to do in the Aftermath When a natural disaster, such as Hurricane Irma, occurs it is hard to know what to do first after the destruction has been done. Property damage is one of the most common consequences of hurricanes, tornados and other similar natural disasters. It is important…

The Ticktin Minute August 21, 2017 – PIP Off-Set

PIP Off-Set As a “No Fault” state, Florida drivers are required to carry on their auto insurance policies, Personal Injury Protection (PIP) which covers the first ten thousand dollars ($10,000.00) of medical expenses at eighty percent (80%). Regardless of what a medical provider charges, the PIP carrier will reduce their bills according to the Florida…

The Ticktin Minute July 31, 2017 – The Beginning of the Foreclosure Process: The Answer to the Foreclosure Complaint and Summons

 The Beginning of the Foreclosure Process: The Answer to the Foreclosure Complaint and Summons A foreclosed home is a home that belongs to a bank pursuant to a court order. In Florida, the foreclosure must be a judicial one (rather than pursuant to a power of sale). The banks are not allowed to include power…

The Ticktin Minute July 24, 2017 – The Beginning of the Foreclosure Process: The Foreclosure Complaint

The Beginning of the Foreclosure Process: The Foreclosure Complaint Foreclosure is the legal process a bank or lender takes when a homeowner is in default on a loan securing a parcel of real estate and the bank intends on taking the home away from the homeowner. Foreclosure is very complicated and therefore, it is extremely…

The Ticktin Minute July 10, 2017 – Employment Law and Discrimination

Employment Law and Discrimination Florida employment laws require employers to provide fair opportunities to every individual who can perform the essential functions of the job for which they are being hired. For instance, employers cannot discriminate against employees on account of their age, gender, race or physical condition. The Americans with Disabilities Act (ADA) came into…

The Ticktin Minute July 3, 2017 – Employment Law and the Minimum Wage Rate

Employment Law and the Minimum Wage Rate Employment law in Florida encompasses many employee/employer related topics including but not limited to: minimum wages, overtime pay, meals and break, vacation leave, sick leave, holiday leave, jury duty leave, discrimination in the work place, voting leave and severance pay. If any of these laws are broken, then…

The Ticktin Minute – June 5, 2017 – Foreclosure and Escrowed Payments

Foreclosure and Escrowed Payments When first purchasing a home with a mortgage, a lender typically stipulates which payments related to the home must be escrowed with their institution during the duration of the loan. This may include: real property taxes, hazard insurance (homeowner’s insurance) and homeowner’s association dues. Each bank is different and has their…

The Ticktin Minute May 29, 2017 – Lien Priority Status

Foreclosure can be a very tricky and challenging process for homeowners that are behind (or will soon be behind) on their Homeowner’s,  Condominium Owner’s Association (collectively “Association”) and/or mortgage payments. A foreclosure could also be triggered by unpaid real estate taxes as well. Since the bank usually escrows these payments, this is not as usual…