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Wordless Wednesday: St Pancras Hotel and Station from Pentonville Road

St Pancras Hotel and Station from Pentonville Road, John O'Connor, 1884
... Read more

Published: 12/18/17

Greenlight Pinellas Goes to the Ballot

This month, the Pinellas County Commission voted to send Greenlight Pinellas -- the transportation referendum -- to the voters in 2014.
Whether you are for or against a comprehensive transportation referendum like Greenlight -- and recent polling has shown strong support for changes encompassed in Greelight -- the passage or failure of such a sweeping referendum will impact eve... Read more

Published: 12/16/17

OCWEN GOES DOWN AGAIN: The Breach Letter and The "Boarding" Process (Whatever that is)

Last week we won another foreclosure trial on behalf of the borrower.
Almost always, a key issue in Florida foreclosure cases is whether the bank properly gave the borrower notice of the default and an opportunity to cure. This duty is right there in your mortgage--check paragraph 22. Those familiar with residential mortgage foreclosures know that the failure to comply with paragraph 22 is a ... Read more

Published: 04/18/17

GO HOME, OCWEN. YOU'RE DRUNK.

"Uhh, Judge..can you, um, reconsider that time you denied our Motion of Rehearing for that trial we lost..please?" --OCWEN Loan Servicing, LLC
This case will not end. 
If you've been following along:
First, we won a foreclosure trial because OCWEN tried to pass off a crumpled Denny's placemat with "PAY US SOME MONEY!" scrawled in Cray-on as its Paragraph 22 Default letter. That didn't work.... Read more

Published: 08/12/15

Relocation in Florida: Difficult But Not Impossible

Last week I posted on our firm's Facebook page that I had had my best day as an attorney, but didnt explain why.
In June, after 8 months of litigation, we had a fairly contentious family law trial in Tampa. In our office, we make every effort to resolve family law issues short of protracted litigation. Family law trials are expensive, emotional, and generally the result of one of the par... Read more

Published: 08/07/15

FORECLOSURE TRIAL TRANSCRIPT: What It Says and What It Doesn't Say

So last we left our heroes...
We beat OCWEN handedly in a foreclosure trial last month. The bank took exception to it and fired their lawyers. They brought in a much bigger law firm to intimidate the Unfrozen Caveman Lawyers here at the small yet unflappable Law Office of Johnny J. Bardine. So far, the bank has filed a Motion for Rehearing, which is likely being denied as I type this. Presumably, ... Read more

Published: 07/19/15

Somebody's worried . . . Epilogue: OCWEN'S Desperate Attempt to Fix Their Mistake

So, if you've been following this space, you'll recall that we beat OCWEN in a foreclosure trial two weeks ago. The court found that the alleged breach letter OCWEN moved into evidence was woefully deficient. The purpose of the breach letter primarily is to give the borrower notice of the alleged default and an opportunity to cure. This letter made the latter impossible, in that it did not indicate... Read more

Published: 07/14/15

OCWEN's Pathetic Excuse For a Breach Letter and How They Lost A Foreclosure Trial

Chalk one up for the good guys!
After a six-year battle with the bank and several desperate attempts by the bank to delay the trial, my clients finally had their day in court in a foreclosure case.
And we won.
Foreclosure cases often turn on one issue and if the borrowers win it's usually because the bank had insufficient evidence. That was precisely the case in the foreclosure trial we just won... Read more

Published: 07/02/15

Flood insurance complicates foreclosure crisis

This area is filled with sad stories of those caught up in the foreclosure crisis. 
Now, flood insurance issues are only making the problems worse, not better.
Many homeowners, especially those with subprime mortgages, can no longer afford their mortgage payments, even if the mortgage is current. That makes a Chapter 13 bankruptcy impossible. Even if you are behind on your payments, and cann... Read more

Published: 12/30/13

Music Monday: Every Day Should be a Holiday

Welcome to Music Monday. We like to start the week of right with a good song. No matter what challenges you're facing, it's important to stay positive. Music can help.
The Law Office of Johnny J. Bardine, P.A., is a law firm based in St. Petersburg, Florida, which has as its mission only one goal: to help you resolve your legal problems quickly, efficiently, and favorably. We offer legal services ... Read more

Published: 12/30/13

Music Monday: Band Aid

Welcome to Music Monday. We like to start the week of right with a good song. No matter what challenges you're facing, it's important to stay positive. Music can help.
The Law Office of Johnny J. Bardine, P.A., is a law firm based in St. Petersburg, Florida, which has as its mission only one goal: to help you resolve your legal problems quickly, efficiently, and favorably. We offer legal services ... Read more

Published: 12/23/13

Trader Joe's Coming to 4th Street in St. Petersburg: Will Others Follow?

Trader Joe's will likely be the next big addittion to St. Petersburg's booming Fourth Street. Will other business follow? If so, what kinds of business -- big or small?  From the Tampa Tribune: 
Like the city’s other historic thoroughfare, Central Avenue, redevelopment and new store openings have revived the section of Fourth Street between downtown and 30th Avenue North.
But whil... Read more

Published: 12/18/13

Small Business and the Shop Local Movement

There was a recent must-read in the St. Petersburg Tribune about a new movement to encourage local shopping.
The Small Business Saturday campaign started by American Express in 2010 has been a springboard for local business owners who hope to divert some of the frantic post-Thanksgiving spending away from malls, big box stores and websites.
The credit card company advertises the annual event and ... Read more

Published: 12/17/13

Music Monday: The High Road

Welcome to Music Monday. We like to start the week of right with a good song. No matter what challenges you're facing, it's important to stay positive. Music can help.
The Law Office of Johnny J. Bardine, P.A., is a law firm based in St. Petersburg, Florida, which has as its mission only one goal: to help you resolve your legal problems quickly, efficiently, and favorably. We offer legal services ... Read more

Published: 12/16/13

Poetry Friday: The Heavenly City

The Heavenly City

BY STEVIE SMITH

I sigh for the heavenly country,
Where the heavenly people pass,
And the sea is as quiet as a mirror
Of beautiful beautiful glass.
 
I walk in the heavenly field,
With lilies and poppies bright,
I am dressed in a heavenly coat
Of polished white.
 
When I walk in the heavenly parkland
My feet on the pasture are bare,
Tall waves t... Read more

Published: 12/13/13

Luxury market sees higher foreclosures

There is a new milestone in the slow recovery of the foreclosure crisis: there are now more default notices on area mansions in the last year than at any other time since the start of the Great Recession.
From the Sarasota Herald-Tribune:
The influx of high-end foreclosures come as mortgage lenders find themselves on firmer ground to take on the substantial losses these properties can bring. For ... Read more

Published: 12/13/13

Wordless Wednesday: Gaskin Bay

Image by Clyde Butcher
... Read more

Published: 12/11/13

#AscotTuesday: Warm Weather

While the rest of the nation deals with a massive cold-front -- including dangerous ice and snow in many regions -- the Tampa Bay area is expected to stay warm, in the high to mid-70s throughout the week. While lawyers in places like Chicago, New York, Washington, and Boston are bundled up against freezing tempuratures, Tampa Bay-area attorneys need to dress for warm weather.
Nancy Collamer, a con... Read more

Published: 12/10/13

St. Petersburg to Provide Housing for Veterans

The St. Petersburg Housing Authority has taken the first steps in providing low-income housing for veterans. From the Tampa Tribune:
Darrell Irions, chief executive of the St. Petersburg Housing Authority, has been working for nearly a decade to develop housing specifically for veterans, but this project only came together in the past several months as nonprofit groups, government agencies and dev... Read more

Published: 12/10/13

Music Monday: You Ain't Alone

Welcome to Music Monday. We like to start the week of right with a good song. No matter what challenges you're facing, it's important to stay positive. Music can help.
The Law Office of Johnny J. Bardine, P.A., is a law firm based in St. Petersburg, Florida, which has as its mission only one goal: to help you resolve your legal problems quickly, efficiently, and favorably. We offer legal services ... Read more

Published: 12/09/13

Poetry Friday: Tata Madiba

Tata MadibaBy Malwandla Ubisi
Tata MadibaThe father of all nations, the guider,The protector of Africa,You are more than unique,You are more than a conqueror,You are everyone’s dream,You are our role model.
You did the impossible that no man can do,You sacrificed your life for us.
27 years in prison is no joyBut to you it was just the beginning of a new life good life,Of a united nation,Of... Read more

Published: 12/06/13

"He belongs to the ages": Nelson Mandela, RIP

The world lost a leader who embodied grace, dignity, and compassion this week when South Africa's Nelson Mandela died at 95. The Washington Post described him as "a liberator whose life spanned nearly a century and whose model for dignity and peace-making was admired across the world."
News of Mandela's death came to South Africans late Thursday, and quickly spread across the globe. Sout... Read more

Published: 12/06/13

#WordlessWednesday: Migration

Jacob Lawrence, Migration Series, #58
... Read more

Published: 12/04/13

Merrell Williams Jr., Big Tobacco Whistleblower, Dead at 72

Merrell Williams, Jr., the controversial paralegal who leaked thousands of documents exposing tobacco industry lies, died this week at the age of 72. Mr. Williams helped reveal what the New York Times called the three big lies of big tobacco: that “cigarettes don’t cause cancer, nicotine is not addictive and we don’t market to kids.”
From the New York Times:&... Read more

Published: 12/04/13

Music Monday: Wide Eyes

Welcome to Music Monday. We like to start the week of right with a good song. No matter what challenges you're facing, it's important to stay positive. Music can help.
The Law Office of Johnny J. Bardine, P.A., is a law firm based in St. Petersburg, Florida, which has as its mission only one goal: to help you resolve your legal problems quickly, efficiently, and favorably. We offer legal services ... Read more

Published: 12/02/13

Car Accidents and Personal Injury

Car accidents can happen to anyone. Unfortunately, they often result in injury or even death. Seemingly minor injuries could have lasting effects on your quality of life or future earning potential. Now more than ever insurance companies are reluctant to provide fair compensation to accident victims for injuries caused by another driver’s negligence. If you’ve been involved in an accide... Read more

Published: 12/02/13