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9800 Fourth Street North
Suite 402
St. Petersburg, FL 33702
Phone: (727) 471-0039
5321 Primrose Lake Circle
Tampa, FL 33647
Phone: (813) 251-2921
2125 Windward Way
Vero Beach, FL 32963
Phone: (772) 675-4304
Email: info@yesnerboss.com |
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- Florida Statutes
The Florida Statutes are a collection of law organized by subject area into code made up of title, chapters, part and sections. These statutes are updated annually by law that create, amend or repel statutory material.
- Home Affordable Foreclosure Alternatives Program (HAFA)
HAFA provides incentives in connection with a short sale or a deed-in-lieu of foreclosure (DIL) used to avoid foreclosure on a loan eligible for modification under the HAMP program.
- Fair Debt Collection Practices Act
The purpose of this act is to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy. Click the link above to view the FDCPA in its entirety.
- The Florida Consumer Collection Practices Act
The Florida Consumer Collection Practices Act (FCCPA) protects Florida residents from Unfair Debt Collection Activites.
- Fair Credit Reporting Act
The FCRA (Fair Credit Reporting Act) is a Federal law which regulates the collection, dissemination, and use of consumer information, including consumer credit information. Click the link above to review the FCRA in its entirety.
- Mortgage Forgiveness Debt Relief Act
The Mortgage Forgiveness Debt Relief Act of 2007 provides that, when lenders forgive some portion of a mortgage debt or agree to a workout, the forgiven amount will not be treated as taxable income. Click the link above to review some of the highlights from this Act.
- IRS Form 982
IRS Form 982 must be completed in order to claim a forgiven mortgage debt that should not be included in your income for tax purposes. IRS Form 982, entitled "Reduction of Tax Attributes Due to Discharge of Indebtedness" must be attached to your federal income tax return for the tax year in which the qualified debt was forgiven. Click the link above to download IRS Form 982.
- IRS Publication 4681
This publication discusses the general rule requiring canceled debt to be included in income, exceptions to the general rule, exclusions from the general rule, and the ordering rules for reduction of tax attributes by reason of the exclusion of canceled debt from income. This publication also discusses the tax treatment resulting from foreclosures, repossessions, and abandonments and provides detailed examples with filled-in forms. Click the link above to view the publication in its entirety.
- Short Sales From a Tax Perspective - Myth vs Truth
Short sales, principal reduction loan modifications, deeds in lieu and foreclosures all present unique tax consequences, and they vary from one person to another. Much of what we are hearing from clients, which they are hearing from others, is either not true or not true for them. Here are our Top 10 Myths --and the corresponding truths-- in this area.
- Find out who owns your mortgage;
- Fannie Mae Loan Lookup
- Freddie Mac Loan Lookup
- MERS Loan Lookup
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