Mortgage Modification & Foreclosure Defense "From the Courtroom" Podcast

 In today's "From the Courtroom Podcast" Brian F.LaBovick, Esq. and Paul D. Baltrun, Director the Loss Mitigation Division at LaBovick & LaBovick, P.A., discuss the foreclosure crisis in Florida and across the United States and strategies for distressed homeowners.

The January 2010 U.S. Foreclosure Market Report™, indicates that foreclosure filings — default notices, scheduled auctions and bank repossessions — were reported on 315,716 U.S. properties during January 2010,  a 15 percent increase from January 2009. One in every 409 U.S. housing units received a foreclosure filing in January.

As Palm Beach Post writer, Kimberly Miller writes today in her article on foreclosures in Palm Beach and Martin County: Palm Beach County foreclosure filings spike

Florida ranked fourth in the nation for foreclosure filings in January with 47,069 properties receiving some type of bank takeover notice, according to RealtyTrac.

Florida's filings represented a 15 percent increase compared to the same time last year. Palm Beach County had 2,762 foreclosure filings in January, a 58 percent increase over January 2009. Martin and St. Lucie counties both saw decreases in foreclosure filings. 

To listen to the "From the Courtroom Podcast" on Mortgage Modification and Foreclosure Defense options for distressed homeowners that are behind on their payments, in default of their loan, click on the following link:

Mortgage Modification & Foreclosure Defense Clinic Podcast

Rear crash test for midsize cars receive poor ratings from Institute for Highway Safety

A recent study from the Insurance Institute of Highway Safety tested several mid-sized cars and rated most with marginal or poor ratings for rear-end collisions.  This is important to mention because rear-end collisions and and neck injuries are the most common injuries reported in automobile injury accidents. According to insurance reports, rear-end collisions account for nearly 2 million insurance claims each year, with an estimated cost of $8.5 billion. Although, neck injuries are not life-threatening, they often leave the injured accident victim with a lot of pain and are sometimes debilitating.

The Rear crash test rated protection in a two-step procedure. Starting points for the ratings are measurements of head restraint geometry — the height of a restraint and its horizontal distance behind the back of the head of an average-size man. Seats with good or acceptable restraint geometry are tested dynamically using a dummy that measures forces on the neck. This test simulates a collision in which a stationary vehicle is struck in the rear at 20 mph. Seats without good or acceptable geometry are rated poor overall because they can't be positioned to protect many people.

On a positive note, according to Institute senior vice president David Zuby, "The side impact results represent a huge change from just four years ago. "A major change is that auto manufacturers have been moving quickly to make side airbags standard, even on lower priced models."

In 2006, there were 42, 642 people killed in the 38, 588 fatal motor vehicle accidents, according to the Institute of Highway Safety. Florida was third in the nation in fatal motor vehicle accidents, with 3,374 reported deaths from 3,097 fatal accident crashes.  California was number one in the nation in automobile fatal accidents with 4,236 deaths and Texas came in second with  3,475 reported motor vehicle deaths.

According to a NHTSA FARS report, South Florida led the state in traffic fatalities by County, with Palm Beach County having 212 traffic fatalities, Broward County having 267 traffic fatalities and Miami Dade County having 367 traffic fatalities. It is important to mention that Palm Beach County traffic fatalities increased the most significantly in South Florida from prior years by nine percent. 

This makes the National Click it or Ticket Campaign, so important in saving lives on the roadway. During May 19 - June 1, 2008, law enforcement agencies join forces day and night, from coast-to-coast, for an enforcement blitz that delivers on our message “Click It or Ticket". The mobilization is supported by national and local paid advertising and earned media campaigns aimed at raising awareness before the blitz that ... Day or Night - Buckle Up or Pay Up.

The amazing nonprofit, Dori Slosberg Foundation has taken important steps in working with Florida law enforcement to ensure Florida's participation in this meaningful campaign.  Irv Slosberg and his dedicated team have tirelessly worked side by side with Florida law to ensure that we have the necessary representation on the roadways during this campaign. Although the campaign is only for a few weeks, prior year statistics show that traffic fatalities are decreased during this timeframe.

Click here to learn more about the Staying Alive on 95 event spearheaded by the Dori Slosberg Foundation.