Unknown Problems
After being hit with a storm, major fire or suffering major water damage, the last thing most homeowners will think about is their mortgage. But the reality is, if your suffered loss is large enough, it may affect your ability to live in the home. And if your covered loss affects your ability to live in your home to the point that you have to seek alternatively, temporary living arrangements, that may “double” you living expenses, causing rent and a second set of utilities. Finally, the the insurance coverage is in dispute and take a while to adjust your claim, the amount of time you could be paying for a second set of living expenses could last for a while.
Representation Regarding Your Debts
LeavenLaw has decades of experience helping consumers not only with insurance disputes, but also in representing clients regarding their debt. So, in situations where your mortgage and its debt collection and credit reporting are at issue in addition to trying to maximize your recovery for a covered loss from your insurance carrier, LeavenLaw is uniquely situated to help you.
Maximizing Your Insurance Recovery
Nothing would please your insurance carrier more than for you, the homeowner (and person who owes a mortgage!), to feel pressured to simply settle your case and take what it first offers to repair or replace your home.
- The insurance company knows you are stressed.
- The insurance company knows you just want to return to your normal life.
- The insurance company knows you have to pay your mortgage
- The insurance company knows you care about your credit rating
With all this knowledge, the insurance company knows that it has the advantage. It has the money and the time to offer low and hope (or make) you accept that offer under all this pressure. But with the right attorney, you do not have to cave under this pressure.
Consumer Debt Protection Laws
When LeavenLaw represents you to maximize your insurance company, unlike other law firms, LeavenLaw also represents you with regard to your debt and the credit reporting of such debt. And LeavenLaw takes on this additional representation for FREE!
There are two laws that LeavenLaw uses to your advantage to offer you the most protection and advocacy possible while it assist your in maximizing your insurance recovery. Those statutes are the Florida Consumer Collection Practices Act (FCCPA), the Fair Debt Collection Practices Act (FDCPA)the the Fair Credit Reporting Act (FCRA).
The FCCPA and FDCPA regulates the conduct of your mortgage company in how and when it can collect the mortgage debt while LeavenLaw is representing you to maximize your insurance recovery claim. Debt collection conduct that his prohibited includes:
- Calling or sending you statements to collect your mortgage debt
- Credit reporting a debt known to be disputed without noting the dispute
The FCRA also regulates how and when a mortgage note can be credit-reported by your mortgage company to the major credit bureaus, especially if you are dealing with a mortgage during a natural disaster like a hurricane.
In the end, you can hire any law firm that simply will help you with your insurance claim OR you can hire LeavenLaw, a law firm with decades or experience helping not only policy holders maximize their insurance recovery, BUT ALSO help the same consumers with unlawful debt collection and credit reporting, maximizing the overall value provided for your attorneys. And LeavenLaw offers this additional expertise at ZERO out-of-pocket expense to you.
In the end, there is a difference. When it comes to offering you, the policy holder the most possible protection and value, LeavenLaw is the clear choice. Call today to schedule your free initial consultation! (866) 514-0556