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Pride Month

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June is Pride Month, and here at The Orlando Law Group we are proud to support local LGBTQ+ owned businesses and initiatives! This is particularly important here in the City Beautiful, as Orlando has earned a perfect score from the Human Rights Campaign’s Municipal Equality Index, which measures the LGBTQ+ inclusiveness of city policies, and we are home to the most households owned by same-sex couples in the entire state of Florida and the fourth most in metropolitan areas nationwide. We are proud to cater to a diverse range of clientele, serving each person who walks in the door with the same amount of time, level of service, and attention to detail!

The History of Pride Month

Pride Month is celebrated every year in June in order to commemorate the 1969 Stonewall Uprising, where New York City police raided the Stonewall Inn, a gay club located near Manhattan. The raid provoked a riot among bar patrons and nearby residents, leading to six days of protests. The Stonewall Riots served as a tremendous catalyst for the gay rights movement in the United States and around the world. The purpose of the month is to recognize the impact that lesbian, gay, bisexual, and transgender people have had on history both nationally and internationally. Today, celebrations of LGBTQ+ Pride Month include pride parades, picnics, parties, and memorials, attracting millions of participants around the world.

Showing Our Support

At The Orlando Law Group, we are delighted to support members of the LGBTQ+ community, not only through our continued support and sponsorship of many LGBTQ+ businesses and initiatives, but also through our variety of legal services offered. We recognize that there is nothing worse than dealing with discrimination and judgement, while already navigating the complex legal world. That is why at The Orlando Law Group, we are firmly committed to excellent representation for all clients. We are proud to continue to represent all members of the LGBTQ+ community in any family law, including adoption, or estate planning matters they may have.

Adoption is a wonderful way to grow a family, and the presence of an adoption attorney can help you avoid any potential legal mistakes or setbacks as you welcome your newest addition. Florida was the last state to rule the ban on gay and lesbian adoption as unconstitutional in 2010, taking an important step towards equality. For adoptions through state-run agencies or private agencies that receive state funding, you cannot be discriminated against based upon your sexual orientation. To learn more about different types of adoption and the laws surrounding adoption, visit our previous article: “Know The Law When Adopting a Child.”

Losing a loved one is never an easy experience, but estate planning is vital in lightening the pain of the process. While the legalization of same-sex marriage in 2015 was a significant step towards equality, it is not a 100% fallback in estate planning. For unmarried couples, a comprehensive estate plan allows couples to protect each other with or without the benefits of marriage. Some couples believe that all they need is a will in case one partner passes away, but a will by itself does not successfully protect the surviving spouse if one partner dies, and it may not adequately protect any children. It also does nothing if one of the partners were to become incapacitated. Having an attorney by your side to plan your estate will protect your spouse, partner, or any children if anything were to happen.

The attorneys of The Orlando Law Group are well-equipped with the knowledge and experience to aid in your quest to grow your family, plan your estate, or any other family matter you may have. Call us at 407.512.4394 and schedule a consultation today. Happy Pride!

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Why You Need an Employee Manual + a Special Summer Deal

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Overview

Despite significant job losses during the height of the pandemic, the start of Spring appears to have rejuvenated the growth of businesses, with 431,000 jobs added in March alone. With the excitement of gaining new team members also comes the stress of ensuring that new employees are aware of company policy, environment, expectations, and more. This is when an employee manual steps in to save the day. An employee handbook is a compilation of your business’ procedures, policies, expectations and working conditions and acts as the foundation for your company’s operation. Employee handbooks provide essential guidance to new employees regarding benefits, conflict resolution, anti-discrimination policies, conduct standards, work schedules, workplace safety and security, and much more. These manuals are key documents for any business to have because they set the standard for your company’s culture, environment and essential policies. Not only do employee handbooks help your employees to thrive in their new roles; they also protect your business against potential lawsuits, liabilities and claims. These guides, when crafted by a skilled legal professional, will surely help your company blossom this summer as your business continues to grow and expand!

Key Aspects of an Employee Manual

Employee handbooks will vary in length and complexity depending on your business needs, industry, and size. Important provisions in an employee manual include:

  • Benefits and compensation;
  • Communication policy;
  • Nondiscrimination policy;
  • Harassment policy;
  • Employee dress code;
  • Separation/termination policy;
  • Workplace safety guidelines;
  • Policies for sick days and vacation requests;
  • Company code of ethics; and
  • Disciplinary procedures.

These provisions ensure employees have a clear understanding of their obligations and rights while also protecting them from potential harm. Employee manuals foster a positive workplace culture founded in clear communication and standardized policies, improving your company’s efficiency and work environment.

Employee handbooks not only protect your employees from harm and serve as an important reference for employees. They can also help to protect your business from claims, such as wrongful termination, retaliation, and discrimination, and work to mitigate the risks of costly legal action by supporting compliance with Human Resources (HR). Seeing as employee turnover is expected to rise by nearly 20% this year, employee handbooks can be important tools to support retention by creating an environment of mutual respect and keeping employees motivated. Additionally, employee handbooks are crucial during the onboarding process, by providing new employees with both clear expectations and a connection with the company’s mission. This is critical in maintaining positive retention rates, as 69% of employees are more likely to stay with a company for three years if they experienced wonderful onboarding.

Benefits of Employee Handbooks

Employee handbooks provide your company with a multitude of benefits no matter the size. A well-written employee manual creates a clear foundation for management to ensure the entire business is on the same page with consistent enforcement of policy. This ensures that employees are treated equally and policies are fairly enforced. The main purpose of an employee handbook is to bridge the gap between the employer and the employees regarding expectations and requirements, and encourage accountability on both sides of the working relationship, helping your business thrive by preventing misunderstanding and dissatisfaction due to unclear policies. A “toxic” workplace culture has been driving a large amount of resignations in recent years, but a clear employee handbook can work to mitigate this. Handbooks allow for open discussions about company policy, making team members feel included and heard in the company, which limits dissatisfaction in the workplace.

Handbooks are also great at minimizing conflict within your company. A lack of clarity on policy and procedures often leads to conflict, as employees feel confused and frustrated. Employee handbooks also save your business essential time, as employees will have the manual as a point of reference whenever there are disputes, avoiding solvable HR issues getting out of hand and dragging out over a lengthy period of time.

In the technological age of remote working and digital communication, having direct, coherent company policies and expectations readily available for employees is essential. Additionally, clear expectations for how work-provided cell phones and laptops should be used ensure that company equipment is well taken care of. From the very first day on the job, employees will be immediately introduced to and immersed in the values and culture of your company, setting the standards for employment and creating a healthy workplace that addresses conflicts before they arise.

Importance of Attorney Guidance

It is important to have an attorney specialized in business law draft your handbook because they know the most important sections to be included, how to tailor the manual to suit the specific needs of your business, how to best protect your company’s rights, and how to avoid liability issues in the future. Clear communication is absolutely key to a successful business, which is why an attorney will work hard to ensure your company policies and expectations are explained in plain terms. The guidance of an experienced business law attorney can help to protect you from potentially costly legal battles in the future, as poorly written handbooks or boilerplate manuals downloaded from the internet may subject you to liability. A knowledgeable attorney will make certain that all necessary provisions are included in your handbook and that federal, state, and local labor laws are followed, and will determine the appropriate policies for your business to protect both you and your employees without sacrificing your company’s valuable mission, values, and vision.

A Can’t-Miss Summer Deal!

In order to help your business bloom in this summer heat, we are excited to offer an incredible deal on employee manuals! No matter how large or small your business is or whether it is 10 days or 10 years old, employee manuals are absolutely essential for clear communication of company expectations, policies, and aspirations. For only $500, you will receive the draft of one employee manual by an experienced business law attorney, with one set of edits requested by you included in the flat fee! In order to take advantage of this amazing deal, please call our office at 407-512-4394.

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The Florida Gopher Tortoise – A Slow Set-Back to Development *An Update and Information about the Florida Scrub-Jay*

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Overview

Florida is one of the most biodiverse states in the United States, ranking 7th with 4,368 known animal species. Due to this high amount of biodiversity, it is important to consider the animals that may reside on the land when purchasing property or purchasing land to build property on. If any species classified as endangered or threatened inhabits a property or piece of land, a lengthy and likely expensive process may ensue for a buyer. This includes the gopher tortoise and Florida scrub-jay. For more information about the gopher tortoise, visit our previous article titled, “The Florida Gopher Tortoise – A Slow Set-Back to Development.” The Florida scrub-jay is the only bird species that lives exclusively in Florida. These two species are both designated as “threatened” by the federal Endangered Species Act.

About the Florida Scrub-Jay

The Florida scrub-jay is a small blue and gray songbird species endemic to Florida. It is estimated that there are only 7,700-9,300 remaining Florida scrub-jays. Adult scrub-jays have a blue tail, head, and wings and a gray belly. Unlike blue jays, the Florida scrub-jay does not have any black markings or a crest.

The scrub-jays mate for life and form long-lasting pair bonds. They are cooperative breeders, meaning that the offspring of the breeding pair will typically stay for an additional year in order to help raise other young and defend the nest.

The Florida scrub-jay typically resides in dry, low-growing scrub oak in sandy soils. It can be found year-round in parts of Central and Southeast Florida, typically along old sand dunes near the coast and sandy deposits along rivers.

A Threatened Wildlife Species

Federally, the Florida scrub-jay is protected by both the U.S. Migratory Bird Treaty Act and by the federal Endangered Species Act. In Florida, the scrub-jay is protected as a threatened species under Florida’s Endangered and Threatened Species Rules. The primary threat to the bird is habitat destruction and fragmentation due to land development. The scrub-jay population has decreased by up to 90% in the past century due to these threats.

Under the Fish and Wildlife Conservation Commission’s Florida Endangered and Threatened Species List, Section 68A-27.003, the scrub-jay, its nest, and its eggs are all protected. Due to this protection, special permits are necessary to build in a scrub-jay zone. It is necessary to obtain a Federal Incident Take Permit from the U.S. Fish and Wildlife Service (USFWS) in order to build in an area with scrub-jays. To obtain the permit, the USFWS will analyze the land survey and building plans to determine if the scrub-jay will be impacted. If they determine that the Florida scrub-jay will be impacted, strategies for avoidance and minimization of impact will be required in order to obtain the permit. Typically, a 12-month lead time for permitting and mitigation will be necessary before clearing of the property is permitted. Additionally, due to its special habitat, Florida scrub-jays require regular prescribed burns performed by state and local officials.

Developers, builders, or landowners who develop within the protected area of a Florida scrub-jay or its nest without a permit may be in violation of the Endangered Species Act. Under the “Penalties and Enforcement” section of the Act, 16 U.S. Code § 1540, violation of the Act is  a Class “A” misdemeanor, punishable by up to 1 year in jail, and/or up to a $100,000 fine for individuals or up to $200,000 for corporations. Civil penalties range up to $25,000. Additionally, violations of the Migratory Bird Treaty Act are punishable by fines of a maximum of $5000 and or imprisoned for not more than six months for individuals, or $10,000 fine for an organization.

Avoiding Development or Property Issues Involving Florida Scrub-Jays

If you buy property that is in a scrub-jay zone, you are likely going to face a potentially costly and lengthy legal process. You will be required to get special permits from the United States Fish and Wildlife Service, along with permission before any changes are made to the lot.

It is important to start this process early on, as it may take up to a year before you receive approval on your permits. It is important to thoroughly go through these steps; however, because without them you face significant fines and potential legal ramifications.

Update: Developing or Purchasing Land Inhabited by Gopher Tortoises in Florida

Wildlands Conservation is a local 501(c)(3) non-profit conservation organization based out of Tampa, Florida. Their team is composed of ecologists, educators, and land managers who are focused on conserving lands for wildlife for generations to come. Their three main focuses are land management, research, and education.

As part of their mission to conserve lands, they offer Florida Fish and Wildlife Conservation Commission-approved training courses that meet the requirements for the Authorized Gopher Tortoise Agent permit. Their instructors are experts in gopher tortoise permitting, research, and relocation. Together, they have over 50 collective years of experience regarding gopher tortoise conservation. Their staff are also members of the Gopher Tortoise Council’s Executive Committee.

According to their website, the non-profit offers gopher tortoise permitting; surveying; mapping; capture and relocation via mechanical excavation, bucket and live trapping, and hand shovel excavation; recipient site permitting and monitoring; identification of potential recipient sites; tortoise population and vegetation monitoring; line transect distance sampling (LTDS) surveys and burrow scoping; and authorized Gopher Tortoise Agent Training Courses.

Wildlands Conservation offers these services, but they emphasize that there is no standard cost, since each project is different. The Florida Fish and Wildlife Conservation Commission provides a Gopher Tortoise Permitting Guidelines Guide, which outlines the duration and costs typically associated with permitting and removal.

For more information, visit their website at: www.wildlandsconservation.org.

A Piece of Advice in Dealing with Endangered Species in Land Development

There are free resources online through your county’s GIS mapping system in order to determine if the property you are considering purchasing is in a zone which may contain a protected species. You can also call your county’s Planning and Zoning Department if an online system is unavailable. The important thing to keep in mind throughout this process is to always plan ahead of time and have patience, as these permits and approval processes typically take around a year to complete. Remember, if you are ever in doubt that you are purchasing a property or planning to develop a piece of land which contains a protected species, it is advised to seek the assistance of a professional, and to request and complete a thorough survey of the area before you begin your project or purchase a property.

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Florida Personal Injury FAQ: What You Need to Know After an Accident

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Table of Contents

What is a personal injury claim? 
 

A Personal Injury Claim is a legal action you can pursue when you’ve been physically or emotionally harmed due to someone else’s negligence, meaning they failed to act with reasonable care, and you were hurt as a result. 

It’s not just any injury. It’s an injury where another person, business, or property owner is at fault. 

Common personal injury claims include: 

  • Motor Vehicle Accidents [including those involving a car, motorcycle, or truck] 
  • Slip and Fall 
  • Trip and Fall 
  • Workplace Injuries 
  • Dog Bites 
  • Defective Products  
  • Unsafe Premises 
  • Medical Negligence 

A successful claim can seek compensation for: 

  • Medical bills 
  • Lost wages 
  • Pain and suffering 
  • Ongoing treatment or future care 
  •  

If you’re unsure whether your injury qualifies, talking to a personal injury attorney in Central Florida is the best next step.  

At The Orlando Law Group, we offer free consultations for personal injury cases and can quickly tell you whether you have a valid claim under Florida law. 

 

Are personal injury settlements taxable in Florida? 

In general, personal injury settlements are not taxable under federal or Florida law, as long as the compensation is for a physical injury or illness. That includes payments for: 

  • Medical expenses 
  • Pain and suffering 
  • Lost wages (due to the injury) 

However, some portions may be taxable, such as punitive damages or interest earned on the settlement. A Central Florida personal injury lawyer can help you understand your award and, if needed, refer you to a tax professional. 
 

Do all personal injury cases go to court? 

No,  in fact, most personal injury cases in Central Florida settle out of court. Insurance companies often prefer to negotiate a settlement rather than risk a trial. 
 

That said, if the other party refuses to take responsibility or the settlement offer is too low, your attorney may recommend filing a lawsuit. A Central Florida injury attorney can help you weigh your options and decide the best course of action for your case. 
 

How much is a personal injury case worth? 

It depends. The value of a personal injury claim in Central Florida is based on several factors: 

  • How severe your injuries are 
  • Your current and future medical costs 
  • Lost income or reduced ability to work 
  • Whether you have permanent damage or chronic pain 
     

For example, slip and fall settlements without surgery may be lower than cases involving surgery, but they can still result in meaningful compensation — especially if your injuries affected your ability to work or required physical therapy. 
 

A trusted injury lawyer in Central Florida can help calculate your case value and fight for every dollar you deserve 

 

What happens if you’re in a car accident and don’t have insurance? 
 

If you’re in a crash without insurance, Florida law isn’t on your side. Even if you weren’t at fault, driving without insurance is illegal, and you could face fines, a suspended license, or even lawsuits for damages, especially if someone else got hurt. 
 

That said, all hope isn’t lost. If the other driver was 100% at fault and they have insurance, you might still be able to pursue a claim. A Central Florida personal injury attorney can help you understand your rights and avoid making mistakes that could cost you later, like admitting fault or agreeing to something without legal advice.  

But realistically, your options are limited, especially if you’re partially at fault. 

Can I file a claim if there’s no police report? 

It’s possible, but it’s much harder and potentially risky. ally risky. Florida law requires you to report a crash if there are injuries, major property damage, or if a vehicle needs to be towed. Not reporting it, or leaving the scene, could get you in legal trouble. 
 

If you didn’t call the police at the time but later realized you were injured, you still need to file a report within 10 days. That said, a missing report doesn’t kill your case entirely. A car accident lawyer in Central Florida can help gather other evidence, like photos, witness statements, or even surveillance footage, to support your claim. 

 

 Should I get a lawyer after a car accident? 

If you were injured, yes,  even if it seems minor. Florida’s insurance system is complicated, and insurance companies don’t always play fair. 

A Central Florida car accident attorney can: 

  • Help you understand your rights under Florida’s no-fault laws 
  • Make sure your medical treatment and bills are properly documented 
  • Deal with the insurance company so you don’t have to 
  • Push for a stronger settlement or take your case to court if needed 

 

Do I need to replace my child’s car seat after an accident? 

Most of the time, yes. Even if the car seat looks fine, it may have been structurally compromised, and that’s not a risk worth taking. The NHTSA recommends replacing car seats after moderate or severe crashes. Some manufacturers even suggest replacing them after any crash. 

If you’re filing an insurance claim, be sure to include the cost of a new seat.  

A Central Florida accident attorney can help make sure those types of expenses are factored into your settlement if you’re pursuing one. 

Will insurance cover my medical bills after a car accident? 

In Florida, your PIP (Personal Injury Protection) covers you no matter who was at fault, but only up to your policy limit. That’s usually $10,000, and it only covers 80% of medical bills and 60% of lost wages.  

A person injured in an accident must seek medical treatment within 14 days of a crash. If you don’t seek medical treatment within 14 days of an accident, you will forfeit your PIP benefits.  

If your injuries exceed this coverage or are long-term, you may need to sue the at-fault driver for additional compensation. 

 

If your injuries go beyond PIP limits or become long-term, you may be able to sue the at-fault driver for additional compensation. That’s when talking to a Central Florida personal injury attorney becomes a smart move. 

 

How does workers’ comp work in Florida? 

Workers’ compensation is basically insurance that your employer carries to cover injuries that happen on the job. If you get hurt while working in Central Florida,  whether it’s from a fall, repetitive strain, or something more serious,  you’re likely entitled to medical care and partial wage replacement. 
 

But here’s the catch: you have to report your injury fast (within 30 days), and you’ll typically have to see a doctor approved by your employer or their insurance carrier. This can be frustrating if you don’t feel heard or taken seriously. 
 

A workers’ comp attorney in Central Florida can help make sure you’re not being denied care or rushed back to work too soon. 

What does workers’ comp actually cover? 

In Florida, workers’ compensation typically covers: 

  • Medical treatment (with an approved doctor) 
  • Prescription medication 
  • Physical therapy and rehab 
  • Mileage for travel to medical appointments 
  • Partial wage replacement (usually around 66% of your regular pay) 
     

It doesn’t cover pain and suffering like personal injury claims do, but it does ensure that you’re not stuck with medical bills just for doing your job. 
 

If your claim is denied or your treatment gets cut off too soon, a Central Florida workers’ comp lawyer can step in and advocate on your behalf. 

When does workers’ comp offer a settlement? 

There’s no set timeline — settlements can happen once your doctor says you’ve reached Maximum Medical Improvement (MMI), meaning your condition isn’t expected to get better with more treatment. 
 

At that point, you might be offered a lump sum to close out your case — but be careful. That money may be your last shot at coverage for future care or wage loss. 
 

Before signing anything, talk to a workers’ compensation attorney in Central Florida who can help you understand whether the offer is fair and if there are long-term risks. 

Is workers’ comp taxable? 

No, in most cases, workers’ comp benefits are not taxable at the state or federal level. That includes wage replacement, medical benefits, and most settlement payouts 
 

However, if you’re also receiving Social Security Disability benefits (SSDI), your workers’ comp payments could reduce your SSDI, and a portion of that may become taxable. If this applies to you, a lawyer can help structure your benefits to minimize taxes. 

 

Can I be fired while on workers’ comp? 

Technically, yes, Florida is an at-will employment state, meaning your employer can terminate you for almost any reason, as long as it’s not because you filed a claim. That would be retaliation, which is illegal. 
 

That said, if you’re let go while recovering, it doesn’t mean your workers’ comp benefits automatically stop. If you’re concerned about job security while injured, a Central Florida workers’ comp attorney can help you understand your rights and whether retaliation may be at play. 

 

What if I start getting medical bills while I’m on workers’ comp? 

This happens more than people realize. Sometimes the hospital, clinic, or even your employer’s insurance carrier doesn’t file the injury properly, which means the bills get sent directly to you instead of workers’ comp. 
 

If you start receiving bills: 

  • Don’t panic — and don’t pay them until you confirm what happened 
  • Call the provider and let them know it was a workplace injury covered by workers’ comp 
  • Contact your employer or the claims adjuster handling your case 
  • Keep records of everything, including envelopes and statements 
     

Even though most medical debt doesn’t go on your credit report anymore, it can still lead to collections or billing headaches if not corrected. If the problem keeps happening, a workers’ comp attorney in Central Florida can step in and make sure your care is properly covered. 

 

What counts as medical malpractice? 

Medical malpractice happens when a doctor, nurse, or other healthcare provider causes harm by failing to meet the accepted standard of care. In simple terms, it means a medical professional made a preventable mistake that another professional wouldn’t have made in the same situation. 

Examples of medical malpractice include: 

  • Misdiagnosis or delayed diagnosis 
  • Surgical errors or operating on the wrong body part 
  • Prescribing the wrong medication or dosage 
  • Failure to follow up on abnormal test results 
  • Ignoring patient symptoms or failing to take a full history 

Not every bad medical outcome is malpractice, but if negligence caused harm, you may have a case. A medical malpractice attorney in Central Florida can help you determine if what happened rises to the legal standard. 

 

What’s the statute of limitations for medical malpractice in Florida? 

In Florida, the statute of limitations for medical malpractice is generally two years — but there’s also a four-year cap you need to know about. 

🔹 The 2-Year Rule: 

You have two years to file a medical malpractice lawsuit starting from the date: 

  • You discovered the malpractice, or 
  • You should have discovered it through reasonable diligence. 

This allows time for cases where the harm isn’t obvious right away, like complications from surgery that don’t show up for months. 

🔹 The 4-Year Rule (Statute of Repose): 

Regardless of when you discover the issue, Florida sets a hard limit of four years from the actual date the malpractice occurred. Even if you didn’t know something went wrong until later, you cannot file after four years — unless a rare exception applies. 

🔹 Exceptions: 

  • Fraud or concealment: If the provider tried to cover up the malpractice, you may have up to seven years to file. 
  • Minors under age 8: Special rules apply; parents may have until the child’s 8th birthday to file. 
  • Presuit investigation period: Florida requires a formal 90-day presuit process before filing, which can pause (or “toll”) the deadline temporarily. 

 

Because medical malpractice cases involve complex timelines and procedures, it’s crucial to speak with a medical malpractice attorney in Central Florida as soon as possible to preserve your right to take action. 

 Is medical malpractice the same as negligence? 

They’re closely related, but not exactly the same. 

  • Negligence is the failure to act with reasonable care 
  • Medical malpractice is a specific type of negligence involving healthcare professionals 
     

In other words: all malpractice is negligence, but not all negligence is malpractice. 

A local personal injury attorney can help you understand whether your situation qualifies as malpractice under Florida law. 

 

 Final Word

Dealing with the aftermath of an accident is never easy, especially when you’re facing medical bills, insurance claims, and uncertainty about what to do next. The most important step is to understand your rights and have the right guidance moving forward.

At The Orlando Law Group, our attorneys handle all types of personal injury cases for clients across Central Florida. If you have questions about your situation, call us at 407-512-4394 or fill out our online contact form to schedule a consultation. We have offices in Orlando, Waterford Lakes, Altamonte Springs, Winter Garden, Lake Nona, St. Cloud, and Kissimmee ready to help you.

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Are credit reporting agencies still reporting medical debts?

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You may have heard that credit reports are no longer reporting medical debts. After reviewing the report put out by Transunion, it appears this isn’t exactly correct.

Like many Americans coming out of the Covid pandemic, you may be faced with large medical debt. You may be hopeful reading that credit reporting agencies won’t be reporting medical debt but the truth is, there is only minor changes to the reporting practices of medical debt.

“Effective July 1, 2022, paid medical collection debt will no longer be included on consumer credit reports.” That is debt that is paid, so great, it shouldn’t be there any how.

“The time period before unpaid medical collection debt would appear on a credit report will be increased from 6 months to one year.” Yes, this will give you more time but if you can’t afford to pay the debt it will still eventually report to your credit, hurting your credit rating.

“In 2023 medical debt under $500 will no longer be reported.” While this is nice, most medical debt under $500 can we worked out in minimal payments, it is the large medical debt that is the problem and will still be an issue for most consumers.

Medical debts hurt your credit report and these changes will only bring minimal relief for the millions of consumers struggling to get loan approvals. Bankruptcy can often be an option to provide real relief. Chapter 7 Bankruptcy can wipe out the medical debt that may be negatively affecting your credit score.  Contact a Bankruptcy Lawyer at any of our offices, Altamonte Springs, Waterford Lakes, Winter Garden, Orlando, or St. Cloud for a consultation to see if, Chapter 7 Bankruptcy might be a good option for you.

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REAL ESTATE AGENTS – WHEN A CLIENT NEEDS PROBATE

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When a person passes away, you may find yourself in a situation where the deceased person (Decedent) owns a piece of property and the heirs of that person want to sell it. The heirs oftentimes hire an agent, list the property, get a contract, deposit escrow, schedule inspections, and then realize that the title company is requiring a probate as a B(I) Requirement on the Title Commitment. This is because the property is still in the name of the Decedent, and there has not been a legal devise out of the Estate. The title company needs to know who the owner of the property is as a prerequisite to closing the transaction because they need to know who can legally sign the closing documents.

In short, a requirement for Probate means that the Decedent’s assets and debts need to be located and accounted for, and any remainder needs to be distributed to the beneficiary(ies). Further, the exact beneficiaries need to be determined because it will depend on whether any Trusts/Wills/Enhanced Life Estate Deeds/Pre-Nuptial/Post-Nuptial Agreements or other Estate Planning documents are available for the Decedent, or whether the Decedent died “Intestate” (without a will). There are two main types of probate administration under Florida law that you will run into as a real estate agent: Formal Administration and Summary Administration.

FORMAL ADMINISTRATION

A Formal Administration is required when the assets of a deceased person are valued at $75,000.00 or more and the Decedent has been dead for less than two (2) years. Most clients will fall into this category because (1) the value of the property pushes them past the $75,000.00 threshold, and (2) the heirs want to sell the property within two years following the death of the Decedent. This is a “full” probate and could take more than six (6) months to complete. This is the most complex form of probate, and it will be the costliest. Clients will always ask how much a Probate is going to cost. To answer this, see Florida Statute § 733.6171(3):

“[C]ompensation for ordinary services of attorneys in a formal estate administration is presumed to be reasonable if based on the compensable value of the estate, which is the inventory value of the probate estate assets and the income earned by the estate during the administration as provided in the following schedule:

(a) One thousand five hundred dollars for estates having a value of $40,000 or less.

(b) An additional $750 for estates having a value of more than $40,000 and not exceeding $70,000.

(c) An additional $750 for estates having a value of more than $70,000 and not exceeding $100,000.

(d) For estates having a value in excess of $100,000, at the rate of 3 percent on the next $900,000.

(e) At the rate of 2.5 percent for all above $1 million and not exceeding $3 million.

(f) At the rate of 2 percent for all above $3 million and not exceeding $5 million.

(g) At the rate of 1.5 percent for all above $5 million and not exceeding $10 million.

(h) At the rate of 1 percent for all above $10 million.

SUMMARY ADMINISTRATION

Summary Administration is a second type of Probate in Florida. A Summary Administration is only available if the value of the estate is less than $75,000, OR if the Decedent has been dead for more than two years. This type of Probate is the most ideal type of Probate for a client as it is usually finished within three (3) to six (6) months and can be completed for around $2,500.00 or less, generally speaking.

AGENT PERSPECTIVE

The length of time a Probate takes is dependent on many factors, including but not limited to, the County, the Judge, whether the property is Homestead property or whether it is Investment property, whether the Decedent was married and/or had children, whether there are creditors to the estate, whether the creditors actually make a claim against the estate, and whether a Formal or Summary Administration was required.

If you are going to list a property, make sure you are checking who the owner is. If the owner is listed as “Estate of (name of Decedent),” or if you are dealing with an heir of the property instead of the owner, make sure you do your due diligence prior to accepting the listing for the sake of your own time. Oftentimes Seller(s) will walk away from a deal when they find out they have to probate the property, (even though the logical argument is that you are not coming out of pocket but rather it can be taken from the seller proceeds at closing). You want to minimize the amount of time you invest in the transaction by asking the title company to run your title search to see if they will call for a probate requirement BEFORE YOU SIGN THE EXCLUSIVE LISTING AGREEMENT. If you do not watch for this, eventually you will take a listing, pour dozens or hundreds of hours into it, then find out that it cannot close (or the seller simply will not close) due to Probate related issues.

Probates can be extremely frustrating because most of it is a “waiting game.” A client who is responsive to emails and has a good general understanding of technology and programs, such as DocuSign, will make your life a lot easier because they will be able to get any necessary documents to the law firm at a faster pace, thereby cutting down on the waiting time. Once a document is submitted to the Court, you are at the mercy of the Court’s schedule, so you will want to brace your client early that immediate answers or a way to “speed up the process” is usually not available. If your client actually begins the Probate process, communicate with them frequently to make sure that neither the attorney nor the Court is waiting on any documents from them, especially if they are not email friendly.

If you have any questions related to a Probate, give our office a call and let’s speak about the specific facts to see how we can help you close your deal!

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Five Types of Deeds to Transfer Property In Florida

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In Florida, a Deed is required to transfer ownership of a piece of property, regardless of whether that property consists of buildings or vacant land. Contrary to popular opinion, the title to the property is not conveyed by the Mortgage in Florida (the Mortgage creates a lien on the property). What does a Deed specifically do? In common law, a deed is any legal instrument in writing which passes, affirms, or confirms an interest, right, or property and that is signed, attested, delivered, and in some jurisdictions, sealed. As you may expect, what sounds like a simple transference can become overtly complicated. You may need the property to transfer in a specific way. That is why there are different types of deeds that can accomplish a variety of objectives. What is the Difference Between a Deed and Title? A deed is a physical document that conveys ownership of a property, while a title refers to the concept of ownership rights. One illustration people use to understand this concept is the idea of owning a book. You can own a physical copy of a book, but you cannot own a physical copy of the title. The title is a concept, whereas the book is something physical. In this way, a deed is a physical item that you must have after you purchase property. Why are there multiple types? The different types of deeds exist to account for what the grantor can convey, what the grantor wants to convey, and what warranties the grantor wants to be encompassed within. The types of deeds we see most often are the general warranty deed, the special warranty deed, the quitclaim deed, and the ladybird deed. Each of these deeds have a diverse range of conveyance, and depending on your objectives, you will want to narrow it down to the one that matches your goals. There are five (5) main types of Deeds in Florida that will be addressed in this article: (1) Warranty Deed; (2) Special Warranty Deed; (3) Quitclaim Deed; (4) Life Estate Deed; and the (5) Enhanced Life Estate Deed (Lady Bird Deed). Each of these Deeds have different affects that come with each of these Deeds, and it is important to know when receiving a property what type of title you will be receiving.

Warranty Deed- Conveyance

A Warranty Deed provides a full warranty of title that extends all the way through the chain of title, including the period before the grantor/seller owned the property. The general Warranty Deed is the most common type of Deed to transfer residential property in Florida and is most likely the type of Deed that you will find at the closing table of a home purchase or sale. The general Warranty Deed is considered the top tier Deed for ownership of a property.

Special Warranty Deed- Conveyance

A Special Warranty Deed transfers limited warranty of title to the grantee. This particular type of Deed guarantees that there are no defects or problems with the title during the time period grantor’s/seller’s ownership but makes no promises about the condition of the title before the seller owned the property. Special Warranty Deeds are considered the mid-tier Deed for ownership, second to the Warranty Deed. In Florida, a Special Warranty Deed is most often used to transfer commercial properties, and while it is available in a residential transaction, it is uncommon. If you are being offered a Special Warranty Deed from a residential seller, inquire as to why they are unwilling to convey a Warranty Deed.

Quitclaim Deed- Conveyance

A Quitclaim Deed passes the ownership interest in real estate to the new owner but makes no warranties regarding any defects or problems with the title. A Quitclaim Deed is the least desirable Deed to accept ownership of a property in Florida. The Quit Claim Deed is comparable to a used car dealership offering a used car, “as-is.” Once you drive it off the lot, or in this case, once you accept the Deed, you are stuck with any issues the property may have. In Florida, Quitclaim Deeds are often used to transfer property between family members, an individual to an LLC, an individual to a trust, or spouses in a divorce, among other reasons. Quitclaim Deeds often create exceptions to title policies, and are a tool used by owners to get rid of properties that may not otherwise qualify for conventional financing or title insurance. If you are not an expert at identifying risks and liabilities in the property’s chain of title, you should be very careful purchasing a property via Quit Claim Deed.

Life Estate Deed- Estate Planning

A Life Estate Deed is a grant of an ownership interest in a property, whereby the Grantor gives away true legal title and ownership to another person, while retaining the ability to use the property for the rest of their lifetime. At the execution and deliverance of this type of Deed, the Grantee becomes the fee simple remainderman, and the Grantor becomes a life tenant in the property. A house that is Deeded away via a Life Estate Deed bypasses the probate process and passes to the remainderman in fee simple at the death of the life tenant. Life Estate Deeds create a life estate in the person who granted the Deed and said life tenant is bound by the decisions of the remainderman as to whether they can sell, convey, or encumber the property. What this means is that if you grant your children a Life Estate Deed, and you live for another five years, for that five-year period you are no longer entirely in control of your property, nor would you be entitled to any of the money if you sold the property. You have a life interest, meaning you can stay there for your life but effectively the children would be the owner of the property and any decisions concerning the property would have to be approved by them.

Enhanced Life Estate Deed- Estate Planning

Also known as a Lady Bird Deed, an Enhanced Life Estate Deed is a special form of Deed that allows an owner to Deed the property to the beneficiary(ies) of their choice, but the Deed does not become effective until the death of the Grantor. This type of Deed is only available in a handful of states, and Florida is one of them. This allows the Grantor to revoke the Deed before their death, create a new Deed, sell the property, take out a mortgage, or any other activities conveying or encumbering title to the property, whereas a traditional life estate requires the Grantor to get consent from the Remainderman. This is a Deed used in estate planning where the owner wants to retain the ability to change their mind and this type of Deed allows the property to pass to the beneficiaries at the time of death of the Grantor, bypassing the probate process in Florida. This Deed is almost always recommended when a parent is looking to add their child to a deed “just in case something happens.” Does a Mortgage Convey Title? This is a point of confusion that we often see. A mortgage does not convey title. For that, you will need a deed. The reason we like to make the distinction is because many times, individuals might think that a mortgage does convey title, but it does not. A mortgage is a loan on the property itself, and it is the deed that will convey title and ownership of the property. They are separate entities with interlocking components, and believe it or not, there are absolutely different types of mortgages. The best way to look at it: a mortgage is not a deed, and a deed is not a mortgage.

Conclusion

There are quite a few different types of Deeds in Florida, and this article is certainly not an exhaustive list. The Deed that is right for you will depend heavily on the specific facts of your situation. Reach out to us today if you would like to discuss which type of Deed you are looking for! The attorneys at The Orlando Law Group represent property owners, prospective property owners, developers, contractors, lenders, investors, real estate agents, brokers, landlords, tenants and more throughout Orlando, Waterford Lakes, Altamonte Springs, Winter Garden, Lake Nona, St. Cloud, Kissimmee, and throughout central Florida. If you are dealing with a real estate issue or looking for some preventative real estate legal services, please reach out to our office at 407-512-4394, fill out our online contact form. If you have questions about anything discussed in this article or other legal matters, give our office a call at 407-512-4394 or fill out our online contact form to schedule a consultation. We have an office conveniently located at 12301 Lake Underhill Rd, Suite 213, Orlando, FL 32828, as well as offices in Seminole, Osceola and West Orange counties to assist you.

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The At-Will Doctrine: What Does It Mean to Be an At-Will Employee or Employer?

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The at-will Doctrine is a longstanding principle in the American labor market which, in basic form, states that an employer can decide “at-will” to terminate an employee for any reason and at any time, without the need for providing just cause for the termination.

There is currently no statute written by elected lawmakers establishing the at-will doctrine as legal fact; rather it is based in the common law, which is the body of law based on the judicial decisions of legal precedent established by the courts. The at-will doctrine came into precedence in the United States during the late 19th and early 20th centuries, when the economic policy termed by the French phrase as “laissez-faire” or “hands-off,” meaning minimal interference by the government in the economic affairs of the state and individuals, became popular in rapidly industrializing American business and political models. Every state in the United States, with the exception of Montana, is an at-will state, and the majority of employees (with some exceptions such as those employed by contract or government employees) are at-will employees.

While this doctrine is typically cited as a net negative for the employee side of the labor market, it does go both ways-employees, in turn are also given the right to terminate their own employment “at-will,” at any time, without giving a reason, and without fear of legal retaliation by an employer. Additionally, because employers are aware that you can leave at any time, there is theoretically an inherent incentive for them to treat you well and provide opportunities for growth. Compare an at-will employee who can quit at any time to an employee contracted to work for two years-knowing that the contract employee will only stay to work for two years and then leave, there is little incentive for the employer to offer opportunities to advance within the workplace. Furthermore, as not all employees are guaranteed to stay at their place of work permanently, employees can negotiate preferable terms of employment, such as higher pay and benefits, especially during times when the market favors employees (as it does currently).

On the other hand, employees arguably have more to lose under the at-will doctrine than employers do, as their employment can be terminated at any time while an employer can simply hire a new employee. As many Americans are unfortunately aware, it can be far more difficult to get a new job than it is to hire a new employee, especially during an economic recession or difficult time. Losing one’s job means losing one’s ability to provide for themselves and their loved ones, and the idea that one’s job is never completely secure is a frightening and stressful prospect.

It is important you know your rights as an employee, especially in relation to your job security. When you start a new job, you should be given some sort of written information as a new hire detailing the policies and procedures relating to the terms and conditions of your employment, typically in the form of an employee handbook, contract, or manual. Make sure to read the information provided to you very carefully and ask questions if needed. You should know based on this information whether you are considering an at-will employee or otherwise. A good employer should not be opposed to their employees’ asking questions in good faith about their employee rights-and if an employer is strongly opposed to answering any kind of concern raised about their employment, it could be an indication that they are not a trustworthy employer with their employee’s rights in mind.

Here is a quick tip to ensuring that you are as prepared as you can be for any changes in your employment-always assume you are an at-will employee unless you know with absolute certainty that you are not (such as if you are an employee contracted to work for a company for two years based on written contract). For instance, we could examine the facts of the 1983 case decided by the District Court of Appeal of Florida in the Second District, Muller v. Stromberg Carlson Corp., 427 So. 2d 266 (Fla. Dist. Ct. App. 1983). The employee, Muller argued that his previous employer, Stromberg Carlson Corporation had breached employment contract by, among other items, terminating his employment without cause in 1981. Muller alleged that he was told by Stromberg that he would become a “permanent” employee after a six-month probationary period and would remain an employee as long as his performance reviews were satisfactory, which Muller’s apparently were. However, the Court ruled against Muller in their opinion, stating that “We see no justification to depart from long established principles that an employment contract requires definiteness and certainty in its terms.” Muller’s employment arrangement included no specific terms relating to tenure or job security; thus as he was not employed for a definite, certain term, he was considered an at-will employee and thus could not argue that he was entitled to legal or financial compensation based on breach of contract by the employer. Unless you are completely sure based on written agreement that you are not an at-will employee, know that you are most likely an at-will employee and can thus be terminated at any time without cause.

Your status as an at-will employee does not mean that you are completely unable to explore the chance for legal remedies if you feel you have been wrongfully terminated. There are numerous exceptions to the at-will doctrine for which you may be able to seek legal resolution for wrongful termination. These may include discrimination by an employer under Title VII of the Civil Rights Act of 1964, violation of public interest (such as one being fired for refusing to perform an illegal act), termination after taking leave under the Family Medical Leave Act, for active military duty or for jury duty, and termination in retaliation against you (such as after reporting sexual harassment in the workplace). If you feel that you have been wrongfully terminated and are seeking possible legal recourse, we would be happy to consult with you to discuss your options. Please contact our office via phone at 407-512-4394 to schedule a consultation with an attorney.

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Filing a Personal Injury Claim – What You Need to Know

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Did you know?

You might be surprised to find that, every year, 1.3 million people die from car accidents and approximately 25 million are injured. You may be driving safely, but it is others, who are distracted or drunk that are putting you and your loved ones at risk. If you have been involved in a car accident, the best thing to do is speak with a lawyer. Most lawyer’s consultations are free and it is important to know what your options are and what you should do next.

Many people try to handle the settlement on their own, but is that the right choice?

How do you know when you need the help of an attorney after a car accident?

Filing a Claim

You may need to file a claim with the at fault driver’s insurance. The insurance company may also want a recorded statement. This can be overwhelming if this is the first time you have had to handle this. You may also be injured and need to focus on healing.  An experienced lawyer will have substantial experience dealing with insurance companies.  Additionally, having an accident attorney handling the claim may help insurance companies take you more seriously and they may be more open to settlement if a lawsuit seems imminent.

Settlement

If an insurance company offers you a sum to settle your claim, you should not agree to settle and should not sign any agreements without consulting a lawyer first. Insurance companies often offer money right away and this a well-known tactic to prevent substantial claims from being filed.

Organizing a comprehensive settlement demand can be overwhelming especially if you are injured.  A car accident attorney is well versed in putting together a demand that clearly lays out your injuries and requested compensation. 

Medical Bills and Liens

Understanding the complex interactions between your car and health insurances as well as your PIP insurance is frustrating. Many people do not understand that you must pay back your health insurance as well as any providers who weren’t fully compensated out of the settlement money you receive. An experienced attorney can help you navigate this and may even be able to get reductions on some of your medical bills. It’s important to remember that insurance companies are not on your side, they are there to protect their insured and their bottom line.

When trying to recover money for injuries, you’re up against the insurance company, not the at-fault driver, be informed before you make common mistakes.  Many people can be taken advantage without the knowledge of a car accident attorney. Additionally, you may miss medical bills and liens if you don’t know what to look for.  

The Ultimate Point

We won’t pretend like Orlando isn’t a busy location. Living so close to a major city, the unfortunate truth is that you can count on a car accident happening. The good news is that, if it does, you have a legal team that has been here for over ten years, working to make personal injury cases right and those injured whole again. If you have been in a car accident, call an attorney that offers a free consult and will spend them time listening to your case.

Photo of Sophia Dean - Attorney at The Orlando Law Group
By: Sophia Dean
Personal Injury Lawyer

A small-town girl from Ohio, Sophia Dean has become a legal powerhouse, armed with 9 years of legal experience, a unique skill set for delivering justice, and an unwavering dedication to her clients. Attorney Dean is eager to fight for the outcome you rightfully deserve.

She spent a bulk of her legal career in the world of bankruptcy, student loan law, and debt settlement, assisting many people in taking the first steps towards financial freedom. Branching out into the field of personal injury further extends her servant’s heart to help those impacted by someone else’s negligence.

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A Will Can Protect

Having A Will Is The Best Decision You Can Make: Here’s Why

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Justifying Your Legacy With A Will

Here’s the truth – you have a legacy that should be protected. Unless you own absolutely nothing and have no possessions, then you have a legacy to care about. The second thought, and one that we often avoid is, “What would happen to everything you own upon your death?” We can attest to the fact that many who have gotten a will with us have all mentioned the same thing: “Why didn’t we think of this sooner?” We believe that’s because people do not fully comprehend the complexities that can occur when you die without a will.

We are the Orlando Law Group, an 11-year-old, full-service law firm located in Central Florida helping our community with all of their legal matters. In this blog, we will discuss the merits of having a complete estate plan, and how that can protect your legacy and its transference to your loved ones. No one wants to think of what would happen if they passed away, but it is necessary to make sure your possessions get passed along the way you prefer, and not caught in the convoluted purgatory of probate.

What Happens When You Die Without A Will?

Dying without a will is called dying “intestate.” If you die intestate the Florida Intestacy Statutes will determine the distribution of your assets at death. This was brought into the mainstream news when Black Panther actor Chadwick Boseman tragically passed away in August of 2020. He, after a four-year battle with colon cancer, died without a will, with an estate at an estimated value of $938,500, according to papers filed in Los Angeles County probate court. The truth is it isn’t uncommon to die intestate. In some situations, you may be content with the plan that the lawmakers determined for you, and in other situations, you may not be so happy with it. Along with not being able to decide who gets your property after you die, there are many other pitfalls that come with dying without a will that you may not be able to foresee.

Time Consuming Constraints

While dying with a will does not mean that the distribution of your property is a quick and painless process, dying without a will is surely a long, drawn-out process. If you die without a will in Florida and probate is required, a Personal representative (commonly known as an “Executor”) must be appointed. If you were to die with a will, you would have designated a personal representative in the will. Without a will, you do not get to choose your Personal Representative. This could potentially open the door for disputes among the beneficiaries as to who should be appointed as Personal Representative. They will quiet literally be forced to guess what your wishes would have been.

Expenses Rising

When you create your will, your attorney will discuss ways to avoid probate. Although probate is not especially expensive or complicated, the fights over who will administer your estate and be in charge of distributing your assets most certainly are, not to mention the fact that they can cause permanent rifts in the family. The cost to not having a plan that comes from you can be grave, and that is where so much of the value in having an estate plan can help. It takes the pressure off of your loved ones to wonder what you would like done with everything you own. Now, instead of guessing and speculating, they can carry out your wishes to specification. For many families, it is a way to come together to make sure your will is carried out, rather than argue and battle over what they thought you would have wanted. Probate is a complicated matter, but if you would like to read more about probate, we discuss exactly that in our blog right here.

Alleviating a Stressful Situation

We at The Orlando Law Group like to look at an estate plan as a gift from you to your family. It sounds odd, and the truth is that they will not realize it’s a gift until they’ve seen what can happen without one. When you observe families that have gone to literal legal war over estates, you realize that it all could have been avoided with the power and authority coming from the deceased. They could have set the record straight on how they wanted their possessions handled, but because they did not, their family is left to try and figure everything out. Emotions become raw, and greed can get the best of even the best of us when we are emotionally vulnerable.

It does not have to be this way. For the most part, having a comprehensive estate plan and someone designated to carry it out creates peace during a time of grieving. You want your loved ones focused on remembering what a beautiful life you lived, not worried about what you would have wanted your estate plan to be. With all that we have gone through in the last year, we know first-hand how precious life is. We fully comprehend how fast a situation can change, whether that be through an unexpected diagnosis or through a freak accident. We say this to help everyone understand what we understand: that a will is not for the dying, but rather for the living.

If you have questions about anything discussed here or involving estate planning, probate, or any of your legal needs, feel free to give us a call at 407-512-4394. You will reach our Waterford Lakes office, which can connect you to any of our other numerous locations. Our attorneys have a wealth of experience when it comes to what is involved in a comprehensive estate plan, and they would be happy to answer any questions that you have. Thanks for reading, and if we could leave you with one thought it is this: “Your legacy matters, so don’t wait to take measures to protect it.”

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Individual Education Plan Enhanced: Our Top Five Tips

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If you have a child with special needs, you know that the most important thing is that they lead a happy, productive life – especially when they are at school. Individual Education Plans are developed to assist your child with specific needs they may have, but you may be asking yourself, what can you be doing during the summer to maximize the effectiveness of your child’s IEP? When it comes to making sure a student with special needs gets what they deserve to succeed, grow, and feel confident doing so, Cherice Fleming Togun takes the responsibility seriously. The IEP can ensure your child’s success in the classroom and make a huge difference in your child’s life. That is why we want to be thorough and considerate to any needs they may be having.

During this time, it can be stressful, and many points get lost in the fast-paced fun of the summer. Preparing can indeed take that stress away, and we at OLG always employ lists to keep our best tips and tricks at the top of our priorities. In this blog, we will detail some great recommendations for you to improve the effectiveness of your child’s IEP, all from Cherice, one of our excellent paralegals, and a mom with extensive experience on the matter.

Tip Number 1: Create A Bio for Your Child‘s Individualized Education Plan

Of course, you will have the legal document provided by the public school, but we think just talking about your child, their personality, likes and dislikes can really provide a lot of personality as well as provide your direct contact information. This opens the line of dialogue and helps humanize what can sometimes be reduced to a black and white document.

Sometimes, what can happen during these meetings – through no fault of anyone’s – is that, as you are dissecting the child’s needs, the details and nuance can become lost. Furthering that human connection with the teacher really creates that team mentality that betters comfortability, confidence, and an intricate understanding of that student. We recommend to include information about the child’s favorite foods, what they enjoy doing at home as well as how you like to reward them and some of their favorite interests. What is so fantastic is, as your child gets older, they can participate in this and help write their own bio, playing an active role in the team’s objective: which is to make learning fun and effective.

Tip Number 2: When Going to Meet the Teacher, Connect

Have copies of the bio available for the teachers and for the staff. Email works as well, but truly getting to know these individuals and helping them to get to know your student will make a world of a difference. In a school system, there are so many moving parts that, unfortunately, details concerning your child’s Individualized Education Plan can become lost in the processes. It is vital to, what we call, stand out amongst all of the noise that expectedly takes place, especially at the beginning of the year. Having these bios printed off will allow the staff and teachers to have the information readily available in order to focus on understanding your child and their story.  Creating an empathetic relationship where you connect with the teachers will reinforce the fact that you’re a team.

Tip Number 3: A Good Individualized Education Plan Maintains Open Lines of Communication

Effective communication solves problems. It is vital to being able to bridge the gap between home life and school life. Having documented communication can truly help as well. Do not have all your conversations via phone, only because many times certain aspects that we said can be interpreted differently. By having open email communication, you inherently will be able to tell who you talked to, what was said, and when the conversation happened. This is all extremely helpful if an issue comes up in the future. We recommend to always err on the side of, “This is what appears to be happening…” versus accusatory language. Of course, it is so easy to become fighters in this scenario because these are our babies we are talking about! We must remind ourselves we are a team consisting of the child, the parents, and the teachers/ faculty. We all must work together to build a future for this student and have that process be enjoyable.

Generally, the team is not going to want to meet until 8-9 weeks into the school year, that way they have some viable data on your child’s life at school. Get an appointment on the books as soon as possible, and if anything must change to modify that, it can.

Tip Number 4: Get any third-party evaluations if needed

If, for some reason you’re not happy with evaluation the school’s psychologist completed, or even if you have some reports that need to be updated, summer is a perfect time for that. We’ve had schools say they don’t need that much documentation, but if you’re the type of parent that likes to be more thorough than less, then you will want to have more documentation to communicate all the details necessary to make the best decisions for the child’s needs. Our children are complex puzzles, and having solid psychological and medical evaluations will help the teachers and staff to stay in-tune with what that student needs specifically. It eliminates any possible confusion or misunderstandings in the future.

Tip Number 5: Try to Keep The Meeting Light Hearted

Let’s get real: these meetings can be hard. It can feel like you are being attacked, but the truth is that to create an effective plan, we need to be decisive and work together. Keeping things light and letting others feel comfortable in your presence opens a world of possibility for everyone to work as a team. If feel you need a lawyer’s help, reach out to us directly or read out step-by-step process right here. It may sound odd, but we truly believe that first impressions set a tone that reverberates for a long time. That is why we want to be careful and really cultivate a sense of confidence, comfortability, and connectivity.  

As always, if there is a problem where you feel like you need someone to advocate on your behalf, we’re here to help you. You know your child better than anyone else, and many times it can help to get a third, objective party involved. What we recommend is being completely honest about the situation. You do have to let the school know that you will be bringing in someone to assist with a legal background. This can help to recalibrate your objectives, which should always revolve around the betterment of the child. It can truly be a beautiful thing when everyone comes together to work for your child’s best interest, and you really get to see your child blossom and perform to their fullest ability.

In conclusion, the main goal of an Individual Education Plan is to enhance your child’s potential to learn in a positive environment where they feel comfortable and confident. Many times, it takes a proactive approach on the part of everyone involved to have the IEP work effectively. If you have any questions at all, we have experienced attorneys, and we have staff that have worked hard to make their children’s, and their client’s children’s IEPs the best. We’re here to help you, and care so much about this aspect of what we do. A great Individual Education Plan can make a huge difference in your child’s daily life, so if you’re not getting the most out of your child’s IEP, we will make sure that you and your child do.

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Divorce Does Not Have To Be Difficult

Divorce – Diving Deep and Answering Your Questions

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Change is inevitable. Things comes together, and many times, very naturally, things come apart. This is not to say that change is not complicated, and we all know that those processes can be as intricate and arduous as we see fit. Many times, it is about beginning with the right perspective, and regarding divorce, the way you begin can truly set the tone for the journey ahead.

That is why it is crucial to consult with someone who has experience helping others make divorce work for their life. Marsha Summersill has spent years helping others through the journey, and in this blog, we will take a deep dive into the most asked questions regarding divorce, and how being creative plays a role in the process.

When going through a divorce, what would you say is the top concern for your clients?

It is equally money and kids. If they have minor children that usually would be the big topic of how they are going to work that out. Obviously, if they can work out something ahead of time that is good, but if there is a dispute it can get a little dicey. The finances are comingled with the responsibility of the kids, so they come together in certain aspects. The equitable distribution of the divorce, of the financial piece, might or might not be considered income and can become enmeshed with balancing factors within the divorce. You need to be sure this is the direction you want to go.

What are some determining factors to take into consideration when beginning the divorce process?

Each state has its own laws, and we exist in our own pocket of laws when it comes to divorce. I would say what to consider is exactly how your stuff is going to be split. Really consider the best interests of your kids. If they are elite athletes or a super scholar, really put their needs first with respect to their activities and life. Be flexible and maintain the objective of communicating well throughout the process.

What does the timeline look like for someone filing for divorce?

If you truly do not need to litigate all your issues, then it potentially could take a handful of months. If there are many items to litigate, then it could take years. The more the parties know that is real and legally sound, the faster they will get to a realistic compromise. I think the issue we encounter as family law attorneys, many times, is the friend that wants to chirp in their ear or even the information google gives them. That sends them down an illogical path that does them no favors.

Other determining factors will be the party’s cooperation, compromise, and realistic views on how to get the sorting solved, and then other times it could be their legal counsel. There absolutely has been times when the opposing attorney continued the battle, even when both parties could have solved the situation and walked away.

What are some factors that could prohibit me from retaining rights to my children after the divorce?

You always have rights to your children. The only agency outside of you signing over your rights is the Department of Children and Families. In the state of Florida our public policy is both parents have equal rights to enjoy raising their kids. The judge has about 25 factors that they can consider. They do not have to consider all of them, but what is important to understand is that those factors are common sense stuff. There is no one-size-fits-all approach, and many times I have clients that get super creative. Sometimes they have jobs where they travel, so the family must maximize and divide their time. When thinking about the child first, a two-year-old does not need to go seven consecutive days without seeing their parent.

To establish that bond, it is important that the child spend time with both parents. For older kids, they usually do not like going back and forth. Dicing up a week for a high schooler can be tough, so that is a situation where we may want to divide time differently depending on the needs of the children. Even though you are getting a divorce, you still must be a team when it comes to how you parent. It serves as a great example to other individuals who want to waste time and energy battling each other.

Let us say that I started a business while we were married, and it became successful. Is my spouse entitled to any of that business?

Probably. There are so many factors that we must consider, but the reality is that spouse is going to get something. I had a case where this person worked and worked and grew their business to a highly successful endeavor. The offset of that is really determining what is the marital portion of the business. That is where the fighting can start. The definition of what is marital and what is non-marital, what’s personal good will and what’s enterprise good will can really determine the outcome. Once we discover the amount of money that is the business and then the value that you bring to that business, we can achieve that number but, of course, every business is specifically different.

My recommendation: marry your equal. Then, if they did not earn it, they will not want it. That will simply be their personality type, but of course sometimes it is a complicated, intricate scenario. That is why a prenup can be a completely fair thing. If you do something together, that can become marital property. A prenup does not state that, “You don’t get anything.” What a prenup does say is, “I don’t want to be punished for working hard and achieving a lot of things.” There should be no issue with signing it because it is just being fair.

What about social security benefits? Is there a way I can take advantage of their Social Security benefits if they have always earned a greater amount of money?

Yes. The common law knowledge we operate under is that, if your marriage is ten plus years and the one spouse is not remarried at the time that they decide to select social security and their social security is less than what their spouse’s was, then they will either be able to offset it or get one that is a little bit higher than it would be on their own.

How does mediation play a role in the divorce process?

Mediation honestly saves so much financially, emotionally, and in many other areas. It is a huge benefit. In our location, it is required. Not in all statutes, but in family law, it is. You cannot even go to court without mediating. The question is, “Do you have a qualified mediator working with you?” It is a task to get certified in areas, but it does not take any specialization, so if you are looking at a divorce, post-divorce, or paternity case, it is best to work with someone who has good experience or someone like me, who is a family attorney.

What if I want to move to another state with the kids after the divorce?

No. This is about getting your mindset right from the very beginning. We do have a relocation statute that is automatically the law. If you get a divorce and decide to move later, the best option is that you and the other parent get to an agreement to see if that is something that will work for the kids. It cannot be, “I want to move to live closer to someone I met on the internet,” which has happened before.

 Moving is a tough one because it must be looked at from the child’s best interest. That is how the court looks at it and that is how the law looks at it. If the parents can get to an agreement and have a long-distance parenting plan, then we file with the court. If one parent says no, then you will be required to litigate that. How our law works to calculate maximum distance is – 50 miles as the crow flies. If you go over 50 miles, then you have opened the relocation statute. This is all why it works best when both parties can retain a cordial relationship with each other. Odds are that you will indeed have to work with that person in the future to handle these scenarios. It is all about compromise for both parties involved, and always about what is best for the children.

What are some determining factors when it comes to who will pay child support – and what does that support entail?

That is written in the law. It is how much money your gross income is, accounting for all your deductions, taxes and insurance, mandatory pension, and unions. You do get those credits and deductions. It is important to clarify that you do not get credits and deductions to account for your spending habits. The way time-sharing factors in is that it cost money to take care of kids. Timesharing is based on income incorporated with the amount of overnights, plus the proper credit for child expenses. If the child goes to an expensive school, and they are paying 100% of it, they need some sort of credit for that.

Define equitable distribution and how does it play a role in the outcome of the divorce?

It is huge. A lot of people jump to marital assets, but you also have marital debt. All of that is incorporated, and we do a specified spreadsheet. In cases where I am dealing with a lot of assets and/or a lot of debt, I am going to get the one-sheet, and we go back and forth until there is an agreement. We look at a number that aims at equalizing or offsetting payment or equalizing or offsetting debt.

What determines marital property?

Many times, those are the big items that we will argue over. If you acquire anything during the marriage, then there is a high likelihood that it is going to be considered marital and will be subject to an equal split. There is pre-marital, meaning you had a house before you were married. There is this belief that if you do not put your spouse’s name on the house, then it is not marital. This is not necessarily the case. The equity you have in the house at the date of marriage is yours, but as you make improvements over time, the house becomes marital. Whether or not your spouse’s name is on it is irrelevant, so that is something we would caution someone on.

Inheritance is another item people need to be careful about. Inheritance is technically non-marital until it is deposited into an account that is sharable. You cannot comingle the money or use it for marital needs if you want it protected. If you need to take a portion out, take it out at the time that you receive the inheritance, but make sure to put the rest into an account where it is clearly not being used for marital purposes.

How can a CPA (Certified Public Accountant) be of benefit during the process?

CPAs are highly valuable – I work with two that are amazing. Obviously, as lawyers, we have limits. CPAs know so much about values, stocks, and constructing an in-depth chart that considers all the angles of value for a certain item or category. The CPAs we work with are usually forensic accountants, and they know how to calculate enterprise and personal good will on a high level. I get my spreadsheet, opposing counsel gets their spreadsheet, and we compare to see how close we can get to meeting in the middle. When you find a good CPA, they are literally such a valuable piece of the puzzle.

If someone is thinking about divorce right now, what would you want to be able to tell them?

If you have the resources, always seek therapeutic guidance. Sometimes religion plays a role in helping you be certain, but the point is to find resources to make sure that you feel very secure in the decision you are making, especially if you decide to pursue a divorce. When I do my consults, we talk and make sure that you are confident in the decision that is being made and gain that acceptance before the process begins. That can truly help.

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Clarifying What a Deed Is

What Is A Deed – Four Types and Uses

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At The Orlando Law Group, many times, we focus in on the questions we most frequently encounter. Much of what we do is intricate, such as the transferring of property through the use of a deed. In the world of Real Estate Law, many words like deed, title, and mortgage get used without an understanding of their distinctions. In this blog, we will offer you insight into the different ways we utilize deeds to transfer properties and address some confusions on what a deed is and what it can and cannot do.

What does a Deed specifically do?

In common law, a deed is any legal instrument in writing which passes, affirms, or confirms an interest, right, or property and that is signed, attested, delivered, and in some jurisdictions, sealed. As you may expect, what sounds like a simple transference can become overtly complicated. You may need the property to transfer in a specific way. That is why there are different types of deeds that can accomplish a variety of objectives.

What is the Difference Between a Deed and Title?

A deed is a physical document that conveys ownership of a property, while a title refers to the concept of ownership rights. One illustration people use to understand this concept is the idea of owning a book. You can own a physical copy of a book, but you cannot own a physical copy of the title. The title is a concept, whereas the book is something physical. In this way, a deed is a physical item that you must have after you purchase property.  

Why are there multiple types?

The different types of deeds exist to account for what the grantor can convey, what the grantor wants to convey, and what warranties the grantor wants to be encompassed within. The four types of deeds we see most often are the general warranty deed, the special warranty deed, the quitclaim deed, and the ladybird deed. Each of these deeds have a diverse range of conveyance, and depending on your objectives, you will want to narrow it down to the one that matches your goals.

What is a General Warranty Deed?

This is most likely the type you are looking for. It gives the most protection to the buyer, as well as guarantees that the property is owned outright by the seller. Although the exact specification can change depending on the state, the general warranty deed promises that the grantor has a legal right to sell the property, alongside the fact that the property is free of any liens, debts, or encumbrances.

What is a Special Warranty Deed?

A special warranty deed does not provide as much protection as the general warranty deed does. In this situation, the grantor of the deed conveys the property as well as two warranties, or assurances. The first warranty promises that the grantor holds title to the property, and the other assures that the property was not encumbered during the grantor’s time of ownership.

It is very important to note that this type does not guarantee that the property was unencumbered before the grantor took ownership. It makes sense that these are commonly used when the seller does not know what transpired before they took ownership of the property and are mostly encountered when a trust or estate is transferring property. You can also find it is common to have special warranty deeds when working with commercial properties.

What is the Quitclaim Deed?

With the quitclaim deed, the least amount of protection is afforded for the buyer. With limited uses, this deed transfers any interests the grantor may have in the property. For example, if your friend used a quitclaim deed to transfer their property to you, this deed would essentially say that “If I own this property, it is yours.” The grantor quits their right and claim to the property. It is also important to note that this type does not allow for any insurances in terms of liens and encumbrances. It is very often used in divorce because in that situation, both parties have a mutual understanding of the property’s history.

What is the Ladybird Deed?

The Ladybird Deed is used to pass property automatically to one or more recipients at death without the need for Florida probate. Many times, a Lady Bird Deed is also called an Enhanced Life Estate Deed. An important aspect of The Ladybird Deed is that the grantor reserves the right to sell, use, and manage the property during the grantor’s lifetime.

For a normal life estate deed, a five-year waiting period for Medicaid benefits would begin. One of the benefits of using a Lady Bird Deed is that this waiting period can be circumvented since the deed is not considered a transfer of ownership as a gift. One aspect to be careful of is the fact that some lenders will not let you refinance a property that has an enhanced life estate deed. That’s why it’s a good idea to check with us before you utilize one.

Does a Mortgage Convey Title?

This is a point of confusion that we often see. A mortgage does not convey title. For that, you will need a deed. The reason we like to make the distinction is because many times, individuals might think that a mortgage does convey title, but it does not. A mortgage is a loan on the property itself, and it is the deed that will convey title and ownership of the property. They are separate entities with interlocking components, and believe it or not, there are absolutely different types of mortgages. The best way to look at it: a mortgage is not a deed and a deed is not a mortgage.

Using the Right One

The ultimate point is this – each deed has its own specific uses, and picking the right one can have benefits for you in the long run. Therefore, you need to work with attorneys who have experience with their various uses, as well as how to make them work to your advantage. If you need a transference of your deed, make sure to give us a call and we’ll help you pick the one that best serves your goals, whether that is a general, special, quitclaim, or ladybird deed. Each is a tool for a certain time, objective, and purpose. Reach out to us, and The Orlando Law Group would be happy to help you pick the deed that best fits your need.

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Lemon Law

The Lemon Law – Your Comprehensive Guide

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Making Laws Out of Lemons

You cannot make lemonade without lemons, and you cannot be protected as a consumer without The Lemon Law. The Lemon Law is not that old. States began to enact their own lemon laws after the federal government first enacted the Song-Beverly Consumer Warranty Act in 1970. As it pertains to automobiles, the Lemon Law was put into place to allow for some semblance of accountability between consumers, manufacturers, and the products they produce. In this blog, we will take a comprehensive look into how the lemon law protects you as a consumer, best practices if you are involved in a lawsuit where the lemon law is applicable, and everything you need to know about why it exists in the first place.

What Qualifies As a “Lemon”?

On a simple level, the word lemon refers to a vehicle that has not been fixed after a certain period and cannot be fixed and made to work for the consumer. It is a defective item. If you’re vehicle has issues and has been at the dealership for more than 15 days you may have a Florida State lemon law case. The rights to utilize this law do not last forever though. For the first 25 months after the date you take delivery of your motor vehicle, that’s how long we have to act. If you wait, odds are you will end up outside of that time window, and we will be powerless to defend you. If you think your vehicle qualifies as a lemon, and you want to take action, our attorneys will fight for your right to have a working, non-defective product.

How The Lemon Law Protects the Consumer

As you may expect, not all products sold are in perfect, working order. This is why you as a consumer need protection. Lemon Laws work to ensure the consumer has the authority to request that any defects in the automobile they purchased be repaired in a reasonable amount of time. Some documents that the consumer will receive are a “Notice of Arbitration,” a “Consumer’s Trade-in Allowance Form,” and a “Consumer’s Prehearing Information Sheet.” These forms need to be completed and sent to the Board Administrator as well as a copy to be received by each involved manufacturer or manufacturer’s attorney no later than 5 days before the scheduled hearing. It is very important these documents are submitted or the board may not allow your witnesses to testify or may decline to consider any attachments, unless good cause is given as to why there was a failure to comply. 

How The Lemon Law Protects the Manufacturer

Manufacturers need consumers to be able to trust them, and without Lemon Laws, the consumer would not feel empowered to purchase their product. The law understands that not every car is perfect, but it does exist to hold those accountable to the products they sell. The manufacturer should receive a copy of the consumer’s Request for Arbitration as well as any accompanying documents, a “Notice of Arbitration,” a “Manufacturer’s Answer” form and a “Manufacturer’s Prehearing Information Sheet.”

Best Practices for Your Hearing

If you must file for litigation, we want you to have an idea about what to expect. Your hearing will be conducted by a panel of three arbitrators. One of the arbitrators will serve as the chairperson and the other will have a deep knowledge of motor vehicles. All hearings are open to the public, and intimidation or disruptive behavior is not allowed by either party. The process will be broken down into two parts. Part one aims to determine if the vehicle does qualify as being a “lemon” according to the law. If the vehicle is indeed found to be a lemon, the second part of the hearing will determine if the consumer gets a refund or a replacement vehicle to compensate for their damages. Our recommendation is to always arrive ready to testify about all the important aspects of your case, as well as an understanding of the guidelines for calculating the remedy. Those guidelines can be found at http://myfloridalegal.com/lemonlaw.

Changes to the Process Because of COVID-19

Due to the changes brought about by COVID-19 and new procedures to increase productivity at a distance, documents and other evidence will need to be submitted to the Board by close of business Tuesday, the week prior to the hearing for the Board to review those documents. It is also important to note that each participant is required to appear with both video and audio during the zoom hearing.

It may seem simple, but certain practices on zoom are assumed. For instance, when not speaking, it is a good practice to mute your microphone. Each party will receive remedy calculation worksheets via email, which should be printed out and available by the time of the hearing. If you get disconnected at any time, try to reconnect immediately and if you are unable to reconnect, call the Board Secretary so that your hearing can be paused while the problem is solved.

What Our Attorneys Can Do to Help

As you can see, there are a multitude of points to consider for your hearing, so much so that we cannot include them all in one blog. Our recommendation is to never struggle alone. Our attorneys have experience in these matters, and can help guide you and reassure you throughout the process. It’s our job to offer you quality advice given our vast legal experience. We have your best interests in mind, and will help you gather all of the information necessary to make sure your case has the best chance once the board considers all of the data presented.

If you have questions, reach out to The Orlando Law Group right away, and we can help remove the burden that comes from buying a lemon.

 

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Sophia Dean

Why Waiting to File for Bankruptcy Could Cost You

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Bankruptcy is a bad word, but it doesn’t have to be, and it shouldn’t scare us. We at The Orlando Law Group believe in breaking the bad connotations these words grow into by giving you an informed outlook, as well as the information that no one talks about. Sophia Dean has a vast wealth of experience when it comes to bankruptcy, and we wanted to ask her some of the questions we commonly receive regarding the matter.

Why do you think that people wait to file bankruptcy?

There’s a couple of reasons that might be causing someone to wait. I think people tend to avoid their problems. It is a lot of paperwork so some people might be dreading that aspect of filing. Usually, I imagine it is a multitude of things, such as having money coming in that the client does not want to lose. One example I can give is that of the stimulus checks. People keep putting off filing because they keep receiving their stimulus checks. It creates an environment where one might be thinking, “There will be a stimulus check or tax refund around the corner that I don’t want to forfeit.” Through bankruptcy, you can only protect certain amounts of money. This includes $1,000 personal property as well as your home, if you own it. If you do not own a home you get a wild card, which protects $4,000 of personal property. Waiting for any reason could potentially mean that you fall outside of the financial bracket needed to file bankruptcy, and that’s why you need to file at the time when you talk to the attorney, if the time is right.

What are some factors that quality for the time being right?

The first thing we will figure out is if you do qualify for bankruptcy. For example, let us say you have a job where you are making under the threshold, and you qualify for a Chapter 7 Bankruptcy. Step two is, you have debts you cannot pay. You may not be in default yet, but you are struggling to pay your debt, and you are living paycheck to paycheck. The main two factors are your income and your debt. Let us say suddenly you get a raise, and that affects your income. That could potentially put you out of the range for qualifying for bankruptcy. There is a very small window for you to file, and that is why it is so important to commit to the decision if both factors indicate so. When considering criteria, there is a window of six months where we will look back to see what has happened to your income. If you wait to file and something happens to affect that income, you could potentially be exempt from declaring bankruptcy and clearing your debt.

Then on the debt side, your case could go to a debt collector quickly. You can file bankruptcy, but they will still be garnishing your wages. For example, let us say you meet with us to file for bankruptcy, but for whichever reason you do not follow through and times goes by. One day, you could potentially wake up, and all your money could be withdrawn from your bank account because the courts had filed a judgement and garnished your bank account entirely. These are the repercussions of waiting to file for bankruptcy. What we try to help our clients understand is that, at some point, if you do not pay your debts it will result in bank account garnishment. We have no way of knowing when that time will be, but we cannot depend on it happening eventually. We need to act like it is going to happen right now because it could.

How Does Bankruptcy Protect Me?

A lot of people try to continue to pay their debts, and then they come back later and try to file. This does not help because, many times, they do not qualify at that point for bankruptcy, whereas they could have before. Bankruptcy acts as a forcefield, and it is not only a way to wipe clean your debt, but it’s also a way to protect your assets. Filing could be the singular act that stops you from losing money and possessions in the long run.

Why Researching Online Can Mislead You

We spoke to a client who had been doing their own research on google. They moved here from another state and were under the impression that they could not file bankruptcy in Florida for two years. That is wrong, but that is the answer they found on the internet. If you have just moved here, you must be here for 91 days to file in the state. The exemptions, which can all be sorted out with an attorney, is where that client was seeing information about waiting for two years. That has nothing to do with you being able to file for bankruptcy, and because of a misinterpretation of information, they did not qualify for a Chapter 7 because they got a raise in the interim. If they he called me two months earlier, they would have qualified. Therefore, acting immediately can be in your best interest, and why doing your own google research can be misleading.

When I File for Bankruptcy, Are All My Debts Wiped Clean?

Not all debts, but most of them. Exceptions include student loans as well as certain types of tax debt, and certain types of criminal debt. Credit card debt, medical debt, loan debts are all wiped clean. Even mortgage debt is wiped clean, and if you do not want to pay that debt, you do not have to. You will not be able to keep the house, of course, but it will allow you to hit a reset button on your bills. Bankruptcy is a tool that is used to help people who have fallen victim to a circumstantial debt through no fault of their own, and it’s there to help you get back above water.

Should You File Bankruptcy Before You Get A New Job?

Yes. If you are considering bankruptcy, an increase in wages could potentially push you outside of the qualification for filing. We see this many times because there is not enough information educating individuals. Not only that, but you do not want to have to try and stall you getting hired because you are trying to qualify. The best practice would be to go ahead and file, and then begin your job search. Your income level will determine which type of bankruptcy you qualify for, so it is very important that you talk with one of our attorneys before any major changes happen that could affect your income/debt ratio.

Can I File For Bankruptcy If I Am On Unemployment?

One of the questions we get a lot is if you can file bankruptcy if you are on unemployment, and the answer to that is yes, you can. Unemployment does not affect anything regarding filing for bankruptcy. If you are receiving unemployment and you expect to start a job soon, now is the time to give us a call.

Another life change that can alter your ability to file is a change in marital status. Let us say you are getting married, but both of you have debt and want to file for bankruptcy. If you wait and try to file after you are married, then you are counted as having a joint income. This could prohibit your ability to file for bankruptcy and stand in the way of your wiping clean your debt. It may seem obvious, but we have seen situations like this, and because there is not enough education on bankruptcy as a tool, facts like these get overlooked or perhaps are not even considered in the first place.

Can I File Twice?

Whether you can file for bankruptcy does depend on if you have filed before and when that took place. There is an eight-year filing period between two Chapter 7 Bankruptcies. The best practice you can have is to treat this like a one-time situation, even though we have known clients that were looking to file twice. In that situation, unfortunately they would have to wait, but the good news is that, by having the discussion, we can plan in the coming years and work hard to prepare.

In Conclusion

The cost of waiting to file is so much higher than the cost of filing for bankruptcy. Attorney’s fees are small in comparison to the fact that your debts, which you are struggling to pay at the time and may never conquer, could potentially be wiped away. My initial consultation is free, so make sure you have your questions prepared and information ready to discuss in that first consultation, and I would be happy to help anyone erase their debt and start fresh. That is what bankruptcy truly is, not a bad word, but instead a tool to help you reset your ability to live your life free of debt and full of possibility. If you are considering it, let me help you make the journey just like I have for so many others. You are not alone in your struggles, and bankruptcy may just be the solution you are seeking. 

 

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CBD and Marijuana Laws

Florida’s CBD and Marijuana Laws are Evolving

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We have a saying here at OLG. “Some laws stay the same, and others are always changing.” For Businesses and Consumers alike the world of CBD and Marijuana Laws are evolving within States and Federally. As of March 2019, a bill was passed that allowed smokable medical marijuana to be sold in state-certified medical marijuana treatment centers to patients with a medical marijuana card. Additionally, as of January 2020, the sale of CBD and Hemp products for consumption or application containing less than 0.3% delta-9-tetrahydrocannabinol (THC) concentration became legal for anyone over the age of 18 and to be sold without a medical marijuana dispensary license.

Marijuana at the Federal Level

Early in December of 2020, the House of Representatives passed the MORE (Marijuana Reinvestment and Expungement) Act. While this act is unlikely to pass in the Senate, the movement towards federal acceptance of marijuana use and sales continues to trend upwards; however, ultimately it should be noted that on a Federal Level, marijuana remains illegal as a schedule 1 drug for high potential for abuse and little to no medical benefit. In 2018, under the Trump Administration, the Department of Justice announced that Federal Prosecutors can pursue criminal cases wherever state and federal marijuana laws conflict. However, this policy has largely been symbolic thus far. Law enforcement officers make a majority of their marijuana arrests under state, not federal law.

Marijuana in Florida

As previously stated, in March of 2019, Florida passed a bill that allowed medical marijuana to be sold in state certified medical marijuana treatment centers to patients with a medical marijuana card. Additionally, Florida legislators are working on drafting regulations to allow edible marijuana to be consumed with a medical marijuana card, but at this time only smokable marijuana is legal. To be a qualified patient, you must be a resident of Florida and receive a diagnosis from a qualifying physician for a qualified medical condition (for example; cancer, epilepsy, HIV/AIDS, PTSD, Crohn’s disease, Parkinson’s disease, etc.). Patients and their caregivers will then be entered into the Medical Marijuana Use Registry by their physician. After this, patients and their caregivers must apply for a Registry Identification Card. Once all these steps are completed, your order for medical marijuana may be filled at a state-approved medical marijuana treatment center upon prescription by your doctor.

CBD and Hemp in Florida

In 2018 the Farm Bill was signed into law bringing sweeping changes to how we grow and consume CBD and Hemp products. The Farm Bill created a process that helped state and tribal governments establish Hemp Programs in which individuals could legally cultivate hemp. CBD and Hemp are legal to both cultivate and consume in the state of Florida for anyone over the age of 18 so long as the product contains less than 0.3% THC content. While no licensing is required to consume hemp products in Florida, licensing is required for those who wish to be grow and/or sell hemp products.

To sell CBD/Hemp in an ingestible manner, whether prepackaged or not you must have a food establishment permit. Additionally, there is further licensing requirements if your products have dairy or frozen components. Topical CBD application is considered a cosmetic and so long as you are selling the topical in or into Florida in its original packaging no license is required to sell. To grow and cultivate Hemp plants, you must not only apply for a license, you must also include fingerprints, environmental containment plans, transportation plans, and follow specific hemp cultivation site statutes, among many other requirements. 

What Does Having a Medical Marijuana License Prevent?

If you’re looking to get a CWFL (Concealed Weapons and Firearms License), there may be some conflicting elements. Florida’s Agricultural Commissioner, Nikki Fried recently addressed the subject on the podcast The Marijuana Solution. Her logic is that, due to many alcoholics and those addicted to prescription drugs owning guns, medical marijuana license holders should be able to as well, but from a legal perspective, this may not be as solid as one might assume. On top of stating that the Department of Agriculture would, “not be taking anyone’s concealed weapons permit, or refusing to issue a CWFL,” Nikki also publicly announced that she herself has both licenses. The incongruency lies in the fact that marijuana is still considered an illegal substance according to Federal Law, and that conflicts with those in possession being able to legally own a gun. Fried did mention that she plans to lobby congress about the issue, but truly only time will tell how the Federal Government plans to treat marijuana as a substance.

We recommend trepidation at every stride, and an innate understanding of your rights. Due to the fact that these laws are changing over time, it’s important that you speak with a lawyer immediately when you have questions. We’re here to help, and will make sure to keep you updated with the laws as they evolve, which we guarantee they will. If you’re ever seeking answers, make sure to contact an experienced attorney for your needs today.

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What you need for probate

What You Need For Probate – The Process of Proving a Will

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When a loved one passes away, the grief one feels drowns out the ability to execute on the necessary actions to preserve their wishes. The legal tools by which we do so are often overlooked and misunderstood, and that is mainly due to the fact that there isn’t enough education on how to protect and pass on your assets effectively.

Probate is the process of transferring your assets into the name of the beneficiaries you wish to provide said assets to, upon your death. It also provides creditors with an opportunity to make a claim against your estate for any unpaid debts.

Assets such as a home, a vehicle, or a bank account will have to be provided in an itemized list to the Court. More often than not, someone will pass away without an Enhanced Life Estate Deed, thus eliminating the ability to pass on their home outright to their desired beneficiaries. Probate is necessary to transfer specific interests of an estate into the name of the selected beneficiaries properly.

It is also important to note that the size of the estate will determine the type of administration that will occur.

Some of the items that will be required to complete the probate process are:

1. The Original Certified Death Certificate

2. A statement reflecting that the Funeral home was paid in full

3. The Original Last Will and Testament

4. A List of creditors/ debtor’s name, the account number, and the amount due

5. List of assets including a description and their estimated value; bank account info including bank name, account number, balance; and the address of the homestead

6. The Beneficiary names, addresses, and relationship to decedent

7. Who will be Personal Representative and their address

8. If any ancillary probates have been opened in another county or state

We will then draft the initial probate documents, which include but are not limited to the following:

The Petition for administration, a notice of designation of email addresses for service of document, Oath of Personal Representative/Designation of Registered Agent and Acceptance, a proposed order admitting the will to probate which appoints the identified individual as personal representative, letters of administration, waivers of service of the notice of administration, consent to probate, and a notice to creditors, which provides them with a certain period of time in which to make a claim for any debt owed by the descendant.

If the home was/is homesteaded, we will need to draft:

  1. Petition to Determine Homestead Status
  2. Proposed Order
  3. Creditors need to be served via certified mail

If the estate requires a formal administration, we will then draft:

  1. Publication of notice to the creditors;
  2. Proof of publication;
  3. Notice to the department of revenue/department of social security with death certificate and notice to creditors;
  4. Proof of service of notice to creditors;
  5. Inventory;
  6. Affidavit of no estate tax due;
  7. Statement regarding creditors;
  8. Waiver of accounting;
  9. Petition for discharge with estate assets and plan of distribution;
  10. Order for discharge

The Importance of a Last Will and Testament

A last will and testament is essential when outlining how you would like your assets to be divided upon your passing, especially any digital assets such as photos, crypto currency, media platforms and revenue derived from such.

Take the untimely and unfortunate death of Chadwick Boseman as an example where a last will and testament was not created:

  • Chadwick Boseman, known for his roles in the “The Black Panther,” “Get on Up,” and “Marshall,” passed at the young age of 43 due to colon cancer. He died intestate, which means that he passed without leaving a Last Will and Testament behind outlining how his estate would be distributed or who would be nominated as the administrator of such.
  • His wife, Taylor Simone Ledward petitioned the court to be appointed as administrator of his estate and the distribution of assets would be subject to the intestacy laws of California, which provided for his spouse and his parents to be apportioned their interests in accordance with such.
  • In this instance, had his probate matter taken place in the state of Florida, the intestacy statute would have provided the entirety of Chadwick’s million dollar estate to his spouse, since he passed without any descendants (children, grandchildren, great grandchildren, etc.).
  • It is important to note that legal fees are removed from the totality of the estate, as well as costs and court fees that are incurred in furtherance of the probate matter itself.

Our Ultimate Point?

Do yourself and your loved ones the favor of planning ahead of time. The complication of, not only wondering what your wishes were, but also relying on the courts to settle the matter in probate is so much stress to put your loved ones through. Having a comprehensive estate plan does them a favor by knowing beyond a shadow of a doubt where you want your assets to go.

If a family member does pass away, with or without a will, then reach out to us. We will do our best to help you through that process so that their wishes are carried out.

So much of our objective here at The Orlando Law Group is about preventing complication before it happens. With an estate plan, you also achieve significant peace when concerned about the future, which is always, to some degree, unknown. Your legacy matters, and you deserve to have full control over it. If you have not completed a full estate plan, make sure to contact us and we would be glad to help.

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The Pathway to Citizenship

Citizenship is Possible – An Immigration Attorney’s Perspective

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What does it take to be a citizen of The United States of America? For many, being born into their citizenship means that the process was not complicated; however, for the multitude that are striving to attain it, the pathway to citizenship can feel daunting. These individuals, many times, have very real stakes involved in their case. They have a life here in the United States they maintain or are planning to begin a life here, and they do not want to sacrifice that opportunity and start over somewhere new.

One of our areas that we practice here at The Orlando Law Group is Immigration Law, and we are always surprised to see how much conversation is being had on the topic of immigration, but never much about the actual laws involved. Often, the process only feels daunting due to the fact that so little is known about what goes into getting your citizenship here in this country. For this article, we wanted to ask Nicole Payne, our attorney who has experience handling immigration cases and is very passionate about immigration law, her perspective on the pathway to citizenship. She recently helped a client naturalize and wants people to understand – the American Dream is not dead.

How did you get involved with Immigration Law?

I always say I did not choose immigration law. Immigration law chose me, and that’s because right out of law school, I started my own law firm, and I kind of had to take what came in the door. I speak Hebrew fluently, and so I was getting a lot of calls from the Israelis in the community who heard that there is an immigration attorney who speaks Hebrew, so they felt comfortable reaching out to me to help them with their cases. So I got into it at first because I was getting the calls. I took one or two cases to see how I would like it. I loved it and thought it was a very feel-good area of law for me, and so I just decided to go ahead and stick to it.

You recently helped a client gain citizenship. What was that experience like?

So usually, the clients who I’m helping get citizenship have been my clients for a long time because citizenship is the last step that is part of a very long process – years and years of different milestones along the way that we have to keep working towards and getting approvals for. So when you get to that citizenship we’re at the finish line and so excited to cross it. The clients applying for citizenship are usually ones I have built up a relationship with, so it’s extra special to me.

Even if it’s a new client, it’s very monumental. It’s a big deal to become a citizen of the U.S. This is what everybody’s goal was when they first came here, and it opens up a lot of doors for them. It’s always a great feeling, and I know my clients are very happy as well, which makes it even better.

What are some factors that you believe stop people from progressing or coming to you for help?

I think that there might be some fear involved. I think people are afraid that they might not pass the English test because they might feel like their English is not so good. They may be afraid of the civics history test. They’re trying to put it off because they are afraid that they’re going to fail the test. Other factors may include financial reasons. They don’t know which lawyer to hire and they’re just kind of comfortable where they are because they have their green cards and they’re able to work and they’re able to travel. They may be wondering what’s really the point in getting the citizenship, even though when you have your citizenship, it opens up a whole world of possibilities that you weren’t able to do before. For example, voting, having a U. S. Passport, not risking the chances of deportation if you were to get arrested.

What are some detrimental conditions that can be caused by waiting to talk to you?

I’m sure people know just from watching the news, but immigration laws change daily, so you could have a law that changes overnight that really jeopardizes you. It could be, you know, if you are afraid of taking that test well, they just changed the law that makes the test harder or the fees have increased.

You mentioned recently in a social media post that the American Dream is not dead – what did you mean by this?

I work with people from all over the world. These people have it really rough in their home countries, and all they want to do is come here, have the opportunity to make a better life for themselves and for their families. I watch these people work harder than anybody else that I know. They are working ten times harder because the American Dream is incredibly meaningful to them. So to me, that’s the American dream. It’s still very much people who are immigrating here and having more opportunities to have a better life.

When people complain about their lives here in America, I really wish that I could give them a different perspective because the immigrants that I know are so grateful for that American dream.

What are some common pitfalls you believe individuals fall into that can cause complications with getting their citizenship?

Okay, I’ll give you the most recent example is we just had an election. There’s a lot of false information out there as to whether you’re eligible to vote in election or not, and there are people who are getting terrible advice that if you are a lawful permanent resident, you can vote in a presidential election or any election. You absolutely cannot, and it’s a disqualifier for citizenship.

So right now we’re seeing a lot of that where people who have been here and have done everything that they needed to do, went through the entire legal process to come here legally and work on their path towards citizenship so they can provide this life for their family. Now they are not able to naturalize. They can’t get their citizenship because they were told some false information. That’s the biggest pitfall I’m seeing right now. People don’t really know who to trust, who to believe and there is an abundance of misinformation out there.

Another pitfall I see when it comes to citizenship is people who try to do the cases themselves and don’t submit the required documentation. They are not putting their best case forward, and it could result in major delays in their case. What would normally take under a year now is taking much longer.

What would your advice be to anyone reading this and wondering how they will begin the process?

Well, there is one easy way, and that’s just to consult with the expert like we were just talking about. You know, an expert’s advice is so invaluable. I make it really easy for my clients. I don’t want the client to stress. I don’t want them to worry. I just want them to have a very easy process where I tell them everything I need. I’ll easily lay it out on a piece of paper of what I need from them. Along as I have their documents compiled, I can put everything together, and all we have to do is get them to review. I like to have the client trust me that I will take care of everything, and that they don’t have to worry about a thing. If someone is reading this and needed advice on how to begin, I would say give me a call.

What is the difference between an immigrant petition and non-immigrant petition?

Simply put, a nonimmigrant petition is one that does not lead to citizenship. It’s for people who are here temporarily. An immigrant petition is one that can be adjusted from their current status of whatever that immigrant petition will result in, to become a lawful permanent resident, where you can then naturalized/become a citizen.

When and how can I apply for U.S. Citizenship if I am a lawful permanent resident?

It depends on how you became lawful permanent resident. If you have been a lawful permanent resident for five years, no matter how you got it, you can become a citizen. If you’ve been a lawful permanent resident because you were married and are still married to a U. S. Citizen, after three years of being a lawful permanent resident, you’re able to become a citizen.  So it could be three years or five years, depending on how you got it.

What are some factors that can help my case when it comes to gaining citizenship?

This is something nobody really knows this coming into the country, but if you are a male and you are between the ages of 18 and 26 and you enlist in the military for the reserve – that is something that they ask for, and most often times people don’t do it. The attorney has to explain and justify this mistake that this person made by simply not knowing that it was a requirement of them. If the client has done it, then that’s really good.

Also, if your case is clean, where you don’t have any history of criminal arrests and you don’t have any taxes owed. Other than that, as long as you have the right documentation moving forward and you have been a lawful permanent resident for the required amount of time, then there aren’t really many issues as long as you’re able to go to the interview and pass the tests.

What would you say is one of the biggest myths when it comes to Immigration Law?

One myth that I can think of is some clients believe that showing up to a scheduled interview with an attorney is a bad look. That is a myth. Clients think that if they have an attorney there that the hearing officer will think that they are hiding something. Perhaps that’s why they needed an attorney to come to their defense? That is, quite simply, just one big myth – the idea that an attorney’s presence could have a negative impact on your case.

Rather, it’s the opposite. If you are represented by an attorney and an attorney is present at the interview with you, then you most likely will only be asked questions that are in the scope of their right to ask. I highly suggest always having an attorney present at interviews. It’s not going to jeopardize your case in any sort of way.

Do you expect any changes to occur or see any trends happening in 2021 regarding Immigration Laws?

Well, there have already been a lot of changes in regards to DACA. We’re seeing a lot of positive changes for the DACA recipients and they’re able to now apply again, which hasn’t been possible for them for a long time. So hopefully in 2021 they will provide a pathway to citizenship for all DACA recipients. That would be huge. Do I anticipate that happening? I can’t say one way or the other because it depends on who’s president and whether it’ll pass through Congress. I’m hopeful and I know that there are a lot of lobbyists out there who are advocating for these people and I do get updates on it all the time. Hopefully, we do see a lot of positive changes.

What is one of the most gratifying parts of working in Immigration Law?

The most rewarding aspect is definitely the client’s satisfaction. They seem to be extremely grateful for the success that comes about from their immigration process. When they meet me, they don’t even know if they qualify for citizenship, permanent residency, or visas. The advice that I give them and a little bit of creativity to fit them into a certain category helps to prove their case.

It’s truly rewarding to get that approval because the clients are just so happy. It’s meaningful to them. I’ve had clients invite me to their wedding. I’ve had clients bring me their babies when their babies are born to meet me. It’s really a rewarding area of law and it makes a difference in my life and the lives of my clients.

As you can see, Nicole embodies what it means to work at The Orlando Law Group. We care for our clients because we know our job is tied to their life. Gaining citizenship is a process that begins and ends with commitment. The client must be committed to the journey, and they must take the time necessary to endure. It can be a nerving process, one that may have you feeling uncertain.

That is why we are here to assist. You need someone that has experience in immigration and that will help to persevere alongside you. Nicole and the attorneys at The Orlando Law Group not only are committed to their clients, but they begin by understanding and caring for their client’s story. So very often, that is the story of hope. Many individuals dream of building a life here in The United States and together, we help that dream become a reality. For those that believe, that are willing to work with us and stay the course, their American Dream will never die, and we will never stop helping them achieve their goal of citizenship. If you are in the process of becoming a citizen and have questions – do not hesitate to reach out. Our consultations are free, and a conversation with us can only help.

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key

The Current State of Foreclosures, Evictions, and Real Estate

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With the changes brought about by the COVID-19 pandemic, families have struggled more than ever – and this is evidenced in the strain put onto the housing industry. We live in a state where many maintain surmountable income through investment properties, taking advantage of a thriving rental market bolstered by tourism. It all works very well on a good day but consider the sudden halt many businesses and staple jobs have come to, and you have a market that for many cannot make ends meet.

Luckily on March 18th, measures were taken to begin to try and help the situation. A moratorium was placed that could legally protect effected renters from being evicted. This moratorium, and its consequent extensions have created a murky environment where many do not understand what applies to them, what the end-goal is, and what they will be responsible for when the moratorium is over. In this article, we want to take a deep and current dive into the state of foreclosures, evictions, and the extended moratorium so that you have a better understanding of how we are moving forward together.

The Extensions Continue

As of the writing of this article, the current extension to the moratorium on foreclosures and eviction processes will run until the end of the year, December 31st. Its purpose is to assist homeowners and renters that have undergone financial hardship because of job loss due to COVID-19. From a legal perspective, whenever we see language like this, we are always thinking of the word proof. Pay stubs and any written evidence that can back and prove that you lost your job due specifically to the pandemic will help strengthen your argument. As one would expect, there will be those looking to game the system, so hiring a lawyer to help you through the process is absolutely be a good idea.

In the lending world The Department of Housing and Urban Development (HUD), the Department of Veterans’ Affairs, and the Department of Agriculture have all extended their foreclosure moratoriums on guaranteed or insured loans covered under the CARES Act until December 31st. Fannie Mac and Freddie Mac also have extended their moratorium on foreclosures for enterprise-backed, single-family mortgages. All of this has one main goal, to help stave off sudden, major deterioration of the housing market. Protecting those who are paying rent alongside those who are paying loans off will hopefully allow for time to adjust, catch up, and recalibrate.

Payments Will Be Due

It is vital to understand the implications of these laws. Payments are not being waived. As a matter of fact, the true definition of moratorium is a temporary prohibition of any activity. It, essentially, is a legal pause button, extending but not absolving the money that you owe. If your finances have been impacted by the pandemic, then pivoting will be essential. For those who are impacted in a way that substantially cripples their finances, bankruptcy will have to be a consideration, and that is where hiring a lawyer could work to your benefit. Sophia Dean, legal attorney with The Orlando Law Group, notices a degree of similarity between now and when she helped individuals through the housing crash of 2008.

“When I would consult individuals who were facing immense financial strife, I would encourage them by helping them understand that they were beginning a journey, and that it would take time to get back to where they needed to be. Honestly, many nights I would lay awake with the weight of their situations on my heart, thinking of creative ways for us to build back a foundation.

My advice is do not wait. People make the mistake of thinking that a lawyer will charge you for every second you spend on the phone or in a zoom when the truth is quite the contrary. My consultations are free. A conversation with me is free, and I encourage those struggling to have that conversation and call me immediately. The most important action we will do during this time is make informed decisions.”

Sophia Dean, Attorney at The Orlando Law Group

The Impact On The Real Estate Market

It is a different time for those working in the field of Real Estate, given the changes brought to what was a market with a steady flow of inventory. With less families and individuals putting their property up for sale, prices have gone up. When inventory is low, the power goes to the seller. Lower interest rates have encouraged buyers to enter the market, and we anticipate buyer competition to be fierce, even throughout the pandemic. For an analysis of how COVID-19 has affected the market, we asked Michael Curtin, Commercial Broker of HIVE Commercial Realty his interpretation of the Real Estate Market.

“We’ve seen inventory go down on the residential side, but many commercial opportunities are still growing. With hardship always comes a shift in the market, and this will be no different. I anticipate that we will see many find difficulty making ends meet, and therefore are forced to turn over their real estate portfolios or alter their plans to accommodate the changes brought about by the pandemic.

My biggest recommendation right now – stay flexible with your goals and expectations. If you can grow your business in a creative way to accommodate social distancing, now’s the time to do it. Elevate your marketing and work hard to innovate. Learn the market so that when it begins to change, you can change with it.”

Michael Curtin, Commercial Broker at Hive Commercial Realty

Our Key Takeaways

We are beginning to circle back around to one year since protections were enacted for individuals impacted by the pandemic. With the extensions stretching to December 31st, owners experiencing financial hardship due to COVID-19 may pause, suspend, or reduce mortgage payments for 180 days. If that owner receives forbearance and decides to apply for a second delay, the maximum number of days they can receive forbearance is 360 days total.

This all hints at an unavoidable, eventual elephant in the room. When the eventual resumption occurs, there will be hardship. Many will struggle to make up the money owed, and there will be situations without easy answers. That is why hiring a lawyer and working with a law firm that has experience will be vital. We are poised and ready to help, to lay away at night coming up with options because we care for our clients. We see ourselves in them. We know they live in a complicated world that seldom takes into consideration their concerns. That is why you have us to help you navigate, no matter how murky the waters may seem.

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CBD and Marijuana Laws

Why Copyrights Could Be The Biggest Area Of Law In 2021

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Why the Resurgence of Relevancy?

Digital content is being shared ALL the time. This transience of information has led to an influx of content being created and shared across all mediums. Once placed into the public domain, as easy as it may seem for us to disseminate an original work, it is even easier for someone to imitate it. This has sparked a new and revitalized relevance for copyright law and understanding how digital mediums have made it more difficult for us to determine who owns what. All of this leads us to believe that, in 2021 and moving forward, copyright could potentially be one of the biggest areas of law for a generation born on the internet.

The Stakes

For many companies, copyright suits can easily involve millions of dollars, simply because the stakes are tied to the company’s branding or the product created.

Additionally, because we are in a new digital era, future copyright cases can set brand new precedence, which may alter the protections that copyright owners have enjoyed for so long. The ability to transform original works, either through parody or criticism, has created an influx of cases that require a factorial evaluation to be conducted by the courts. Was the work transformative enough to make it unique?

Such factors include i) the purpose and character of the use, which includes whether the use is of a commercial nature or is for nonprofit educational purposes; ii) the nature of the copyrighted work, iii) the amount and quality of the work that has been copied; and iv) the harm brought by the transformed work.

For the small-time influencer, this could mean the difference between a few paychecks, but for companies, this can be a determining factor in their ultimate success. To explore how copyright law is being used today, we wanted to break down three cases that could be influential in 2021.

Three Examples of Cases on the Block

  • Google v. Oracle

This is a case involving the application of copyright protection to software owned by Oracle and resolves the question regarding whether Google’s use in creating an android operating system that is comprised of Java coding constitutes fair use. In January of 2019, Oracle initiated a case against Google, alleging improper use of 11,000 lines of Code from JAVA SE, which was found not to be covered under fair use by The U.S. Court of Appeals for the Federal Circuit. This case has made it all the way up to the United States Supreme Court, who heard oral arguments on the issue Wednesday Oct 7, 2020, and has yet to reach a decision on the matter.

The main challenge that lies ahead is in determining whether the specific code used by Google within the Android interface is considered to be an algorithm, formatting, functions, logic or system design, which then would not be covered under copyright law, as they are not considered a means of creative expression. Digital coding, although used widely, can become the subject of stringent copyright criticism. As we move into a more digital frontier, it becomes important to understand if the coding you are using can be fairly used.

  • National Music Publishers Association v. Peloton

Music has generated a multitude of copyright cases as different platforms have been developed and used for streaming purposes. To place this into context, take the case National Music Publishers Association v. Peloton. In this matter, a $370 million lawsuit, which more than doubled the original $150 million lawsuit, was filed by the National Music Publishers Association last March, when it was alleged that Peloton used over 1,000 musical composition without obtaining the proper licenses to use them. A settlement was reached where the creators for the songs were properly compensated for the use of their music included in the Peloton experience. Peloton took the initiative to remove the NMPA protected songs for all workout videos provided to the public.

  • Suess Enterprises LP v. Comic Mix LLC et al

This third case involves our beloved Dr. Suess and a claim brought by his estate against the publisher for a work that mashed up “Oh, the Places You’ll Go!,” and other Dr. Suess works, alongside Star Trek imagery as well as characters from the original fictional franchise. The United States District Court for the Southern District of California found that the comic book’s use of the material was fair use and was treated as parody rather than a complete infringement on the original. This “highly transformative work” allowed for well-known characters to interact in a way that was not so different from their original works.  

This being said, it doesn’t always happen that way. The opposite actually occurred in Dr. Seuss Enterprises, L.P. v. Penguin Books USA, Inc., 109 F.3d 1394 (9th Cir. 1997), whereby an author used the characters created by Dr. Seuss to retell the story of the O.J. Simpson murder trial. The appellate court determined that the author’s use of such characters in this work created a satirical piece, not a parody. As such, it was not transformative enough to be protected from a copyright claim.

Our Take on the Matter

These cases bring to light how important certain words are when reflected in new, legal light. Gaining clarity on terms like parody and fair use is vital for navigating in a way that avoids legal pitfalls. 

What is parody?

 Miriam-Webster defines parody as “a literary or musical work in which the style of an author or work is closely imitated for comic effect or in ridicule.” Parody is important to establish, so that some measurable line of difference exists between your work and the work you have utilized.

What is fair use?

Fair use is a doctrine allowing for the use of copyrighted work for transformative purposes, such as for criticism, parody, comment, news reporting, teaching, scholarship and research. Fair use is becoming a common practice, especially given the rise in reaction content – videos and posts that are offering their opinion on a certain song, movie, or work of art.

 Copyrighting is crucial to the protection of your works, no matter the medium.  If you’re creating digital content online, having an understanding of copyrights will help you be confident in your creations. You can rest easy knowing that your work remains original. Not only this, when establishing a business, you need to take into consideration how unique your endeavor is.

What This Means for the Future

With technological changes, come changes to the law. Copyright laws will have to alter and grow to accommodate a market that has become highly digitized, paving the way for possible fair use claims in years to come. As a company or brand’s content gets used by the public, they will have to determine if it is worth litigation or not, especially if it grants them popularity and added visibility. One thing we can be certain of: copyrights have never mattered more than they do right now. That is why hiring a lawyer can offer you armor. It can be the difference in how protected your content, business, or brand remains.

Want to know the difference between trademarks and copyrights?

We’ve got a blog that talks about exactly that.

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Safety Tips

Trick-Or-Treating Safety Tips

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Association Managers and Board Members have been under tremendous pressure and are faced with many unprecedented circumstances this year.

As Halloween approaches, many communities will be filled with little trick-or-treaters, and each Community Association must decide whether they are going to permit trick-or-treating within their neighborhood.

While the Board has the authority to make decisions on behalf of the Association for the safety and wellbeing of its residents, we highly recommend that you consult your Association’s attorney as you evaluate what stance your community will take in regards to trick or treating and ensure that your board follows the proper protocol in implementing your decision.

For those Associations choosing to allow trick-or-treaters within their community, here are a few safety tips that you can share with your residents:

For Residents wishing to hand out candy

  1. Wear a mask
  2. Hand out the candy to the kids individually (do not let the kids pick out the candy)
  3. Use hand sanitizer or wash your hands with soap and water in between handing out candy; or
  4. Set up a treat table outside with the candy spread out or placed in treat bags so that the kids can grab one item without touching the rest

For Kids going trick-or-treating

  1. Wear a mask (not a costume mask)
  2. Take hand sanitizer and use it frequently
  3. Do not travel in large groups and stay with the same group
  4. Stay outside
  5. As soon as you get home wash and change clothes

Remind your residents that your primary objective as Managers and Board Members is the health, safety, and well-being of all residents of the Association. As a community, you must put your neighbor’s health over convenience and discomfort.

Share these tips with your residents so that they are aware of the policy. Speak with your Association attorney as to the best way to adopt any guidelines and share them with your community.

The best way to stay involved is through thorough communication, and as always, we’re here to help in any way we can. Our attorneys are experienced, and ready to help you find solutions. They also care about the communities they are involved in.

Want to read more of our materials on Community Associations and HOA law. Visit the blog section of our website – where all of our articles are posted.

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Estate Planning

How Estate Planning Protects Your Legacy

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You’re proud of the estate you’ve built up. You’re proud of the home you call your own. The treasured belongings you’ve accumulated. The cash assets that you’ve worked so hard for. The investments that you tend to daily, and the business interests that have come to define your professional life. Estate Planning matters so much to you and your legacy. Your possessions should be dealt with appropriately after you’ve passed on. But how can you do this, when you’re no longer here to distribute your assets among your nearest and dearest?

We can help you with all aspects of Estate Planning.

Estate Planning is the process of creating legally enforceable documents that determine how your assets will be distributed upon the event of your death. This includes who inherits, which assets and how they are distributed. It also determines who controls the distribution of assets once you’re gone and encompasses tax considerations that must be incorporated into these documents, to ensure that your loved ones get the best possible deal, and as little of your estate as possible is subsumed by taxes.

I’ve already made a Will, isn’t that enough?

Making a Will is extremely important to ensure that you do not die intestate — meaning that the state controls what happens to your assets after you die. Nonetheless, there’s more to proper Estate Planning than making a Will. In fact, it’s just the tip of the iceberg.

If you’ve lived in the state of Florida your whole life, you’re likely aware that many people from out of state choose to move here in their later years. And it’s not just for the hot weather and the ceviche. Unlike other states, when Floridians die, their estate is very rarely subsumed by the estate. There are also no estate or inheritance taxes in the state of Florida.

Nonetheless, while living in Florida is advantageous in this regard, that doesn’t mean that your estate deserves any less than comprehensive and responsible planning.

That’s where we come in.  

As well as helping you to make a Will and nominate an executor for your estate, we can offer a range of other Estate Planning services.

These can help you to avoid disproportionate taxation, and ensure that your assets are dealt with as fairly and equitably as possible in line with your wishes. These services include…

Assigning Power of Attorney

While a Will can help you to distribute your assets after you’ve passed on, Estate Planning also means putting an infrastructure in place to protect your estate when you’re no longer able to do so yourself. Such as if you fall sick, or are diagnosed with a condition like dementia, which will affect your ability to make decisions.

When this happens, you will need to assign Power of Attorney to someone you trust. There are different kinds of Power of Attorney for different circumstances. For instance, if you know that you will be in the hospital for a limited period of time, you may wish to assign a temporary or Ordinary Power of Attorney. However, if you know that you will be unable to make decisions for the remainder of your life in the future (such as a dementia diagnosis), you will need to assign a Lasting Power of Attorney.

We can give you the support and advice you need in choosing someone to look after your estate when you will be unable to do so yourself.

If you fall ill, you may be unable to make decisions in your own best interests. However, due to the nature of patient confidentiality, your doctor may not be able to communicate directly with the person you have chosen to look after your best interests.

An advance directive is a legal document that specifies the kind of medical and personal care you would want if you should become unable to make your own decisions or communicate them to medical professionals.

Anyone over the age of 18 can be chosen to execute an advance directive, and this document is binding in the state of Florida.

Your advance directive allows you to specify:

  • Who can make and communicate decisions on your behalf.
  • Any circumstances under which you would not like your life to be prolonged.
  • Any other wishes pertaining to your medical wellbeing that you are unable to communicate or decide yourself.

It also ensures that doctors can communicate directly with the person you have chosen.

Finding the right trust for your needs

There are many different kinds of trusts, and each serves a slightly different legal purpose. Some are designed to keep assets out of the hands of creditors, while others are intended to avoid probate court and incur tax advantages.

However, legal guidance is often needed to ensure that the right trust is selected for the client’s needs and to ensure that it achieves its intended purpose in terms of Estate Planning. We can advise on choosing the right trust to suit your specific needs, goals, and circumstances.

Validating Holographic Wills in your estate plan

If you have recently moved to Florida from out of state, you may already have a Will in place. However, if this is a Holographic Will, it may not be valid in the state of Florida.

A Holographic Will is completely handwritten and signed by the testator, but unless it has been signed by the testator in the presence of two witnesses (both of whom must be in the presence of the testator and each other when signing), it is not legal in Florida. Even if it is valid elsewhere. We can make the arrangements to ensure that a Holographic Will is legally valid.

Why you can trust the Orlando Law Group

We understand that the matter of Estate Planning is a delicate and somber subject. Nonetheless, you can trust in our years of experience, our diverse legal expertise, and our steadfast dedication to our clients and our community.

For over a decade, we’ve helped Floridians of all kinds including individuals, businesses, and associations manage a wide range of legal affairs.

Want to know more about how our team can service your legal needs? Please don’t hesitate to get in touch with us today. 

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airbnb

Home Away from Home – the Truth About Airbnb

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     Vacation Rental sites such as Airbnb have exploded in popularity recently, as they provide the experience of a home away from home with prices that often rival hotels. The United States alone has 660,000 listings, making it the Nation with the highest number of Airbnbs. While it may seem like a dream experience, how much do both vacationers, and hosts really know about what they are liable for and what they are protected from? What happens if you are the host, and something happens to the property because of the clients that decided to rent? Conversely, what happens if you are the vacationer, and part of the property becomes damaged based on prior conditions, but you are now being blamed? Airbnb readily makes promises of protection for both parties, but what true, legal armor do you receive when you agree to work with this company?

Who is AirBnb

     The vacation rental market has exploded in popularity recently as renters seek unique experiences in worldwide locations, all at the touch of their fingertips. Airbnb prides themselves on providing just that, and their process is streamlined to make it quick and easy to book. Their origins just so happen to be steeped in speedy resolutions. In 2008, Airbnb (Air Bed and Breakfast) was formed when a conference ran out of hotel space and the founders opened their home to renters in need. The company has come a very long way since then. Today, Airbnb boasts 750 Million all time arrivals, 7 Million Airbnb listings, and 220 countries with listings available. However, it is what Airbnb decides not to tell you that can be even more interesting and applicable to their services.

How Frequently Does Litigation Occur?

     One might be thinking, “Does Airbnb ever undergo complex litigation?” According to an article published by Bloomberg in February of this year, Airbnb has filed 11 lawsuits against an American city or state government since it was founded. It has appealed an adverse decision at least three times. The article states that half of those legal hurdles have occurred in the past two years. Not only this, but litigation against Airbnb has also risen, with the company being involved in 230 cases through the end of 2019. These ranged from video cameras in bedrooms to severe bedbug infestations and even a situation where a guest tossed a lit cigarette into the trash and burned the property down. As one would expect, Airbnb advertises themselves as being expeditious and user-friendly, but complications beg the question, “What protection does Airbnb truly offer?”

Host Protection

     Airbnb readily advertises two different programs to assist Hosts: Host Guarantee and Host Protection Insurance. The Host Guarantee provides protection for property damage to possession, units, or home, against a guest. It is important to note that this does not replace homeowners or renter’s insurance. The Host Protection Insurance program may cover hosts in the event of third-party claims of personal injury or property damage. Airbnb, however, has an extensive list of exclusions to these programs that are important to note.

  • anything related to mobile, aircraft, or auto equipment
  • assault and battery
  • Chinese drywall
  • communicable diseases
  • contractual liability
  • cross-suits
  • employment related practices
  • electronic data
  • distribution of material in violation of statutes
  • expected or intended injury
  • fungi or bacteria; exterior insulation
  • liquor liability
  • nuclear risks
  • pollution
  • product recall
  • sexual assault
  • watercraft
  • war intelligent

   That list is not indicative of all the exceptions included and any host should read into what they are not being covered for before hosting guests.

Renter Protection

     Traveling can be a stressful time for vacationers, so you should always know what will occur if the worst happens. One might assume that traveler’s insurance and Airbnb’s renter protection policies might contain similarities. Ultimately, Airbnb offers no protections that even come close to replicating traveler’s insurance. Airbnb does offer a 24/7 customer support line for reporting instances such as a wrong location listing, an incorrect number of rooms, unknown animals, and more. This comes nowhere close to offering comprehensive protection to a vulnerable individual on vacation.

     Should an incident occur where a guest could even begin to think about considering legal action, they may not be able to. In a recent case in Florida’s Second District Court of Appeals, Doe V. Natt, Airbnb argued that “the Does’ claims were subject to arbitration under Airbnb’s Terms of Service, which the Does agreed to be bound to pursuant to a “clickwrap” agreement they had entered when they first created their respective Airbnb accounts online.” The Court ultimately remanded the case for further decision, however, until that decision is made renters should be aware that any case they wish to bring, may be subject to Arbitration.

Go or No Go?

     You may be asking yourself if Airbnb is worth the risk from either perspective now. As Airbnb says, the best remedy is always to do your own thorough research first. This is very pertinent advice with any company you decide to work with, large or small. Understanding your legal protections from the beginning will set your mind at ease, and if something does go wrong, you will have a familiarity with where to begin. Check out reviews, photos, and guest experiences before booking. If you have specific questions, do not hesitate to ask them. More knowledge allows you to make the best possible decision for your property as well as your family and friends.

     Hosts should make sure to remove objects they are concerned about, as well as vet their homes for potentially dangerous areas. Ultimately, it is important to know that some protections are in place, but the best safeguard for your property and vacation is some good old-fashioned research. Having a law firm on your side, like The Orlando Law Group, for both property projection and personal injury, while also exercising caution as both a renter and host will put you in the best position.

 

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Personal Bankruptcy

Bankruptcy Could Offer You A Way Out

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There is no question that the U.S. has a financial problem. The statistics are indisputable.  Americans carry an average personal debt of over $90,000. Many times, it’s through no real fault of their own. There are so many factors to consider. The cost of living continues to rise, and as it does so it is becoming easier for people to get credit when they may not have the means to cover their bills.

Additionally, with the unemployment rate skyrocketing due to the COVID-19 pandemic, times are difficult for many people, and that includes the struggle with finances. We’ve all seen the headlines about looming eviction rates and bankruptcy surges, but what those headlines won’t tell you is that for many, these issues are not on the horizon, but rather on their doorstep.

While some people tend to shy away from bankruptcy or think it is a negative thing, that isn’t the case at all – when it’s processed the correct way.

What is Personal Bankruptcy?

Personal bankruptcy is a legal process in which a debtor files with their local court system. As a result, the debtor’s personal assets are evaluated, and some may be sold in order to offer creditors a portion of what they are owed.

The process of filing for bankruptcy also creates something called an “automatic stay,” which means creditors are blocked from collecting your debts until the court proceedings are over. This can give you a bit of breathing room while your case is being reviewed.

Bankruptcy works differently depending on an individual’s financial situation and how the court sees it. In some cases, a financial plan may be worked out that better fits with your income and needs, so you can pay back your creditors at a different rate. Other times, your debt will be completely eliminated.

In the case of Chapter 13 bankruptcy, the debtor will develop a plan based on their personal finances to repay their creditors over a fixed period of time.

Chapter 7 or Chapter 13?

Consumers generally file either a Chapter 7 or a Chapter 13 bankruptcy. Some people believe that a Chapter 7 bankruptcy is the best way to go, but that is not always the case. Everyone has their own unique situation which should be analyzed by a professional to determine whether a Chapter 7 or a Chapter 13 bankruptcy is more appropriate. For example, if you do not have a lot of unsecured debt such as credit card debt or medical bills, but you have a home worth $200,000, a first mortgage of $210,000 and $75,000 on your second mortgage, and you want to keep your house, filing a Chapter 13 bankruptcy may be appropriate for you because you may be able to “lien strip” the second mortgage.

On the other hand, if you have a lot of unsecured debt such as medical bills and/or credit card debt, then Chapter 7 may be more appropriate for you. However, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 made changes to the Bankruptcy Code, which makes filing a Chapter 7 bankruptcy more complicated. To be eligible for a Chapter 7 bankruptcy there is a 2-part test. First, there is the “means test”. This subjects debtors to an income-based test. But if the debtor’s income is below the state’s median income, then the debtor is not subject to the means test. Additionally, debtors with primarily (more than 51%) business debts (including investment properties used as rental properties) may file a Chapter 7 bankruptcy regardless.

However, even if you pass the means test, you still have to pass a second test known as the “abusive test”. The United States Trustee or any creditor can move to have your case dismissed. The bankruptcy Court could dismiss your case if the Court finds that you have the ability to pay back a significant portion of your unsecured debts.

If you are eligible to file a Chapter 7 you are looking to liquidate your debt. You are able to keep some property and may have to let other property go. You can keep exempt property.

A Chapter 13 bankruptcy is a form of reorganization. The debtor proposes a plan to pay his creditors over a 3 to 5-year period. Generally, the debtor keeps property and the creditors get less money than they are owed. However, the unsecured creditors must receive at least as much through the Chapter 13 plan as they would have received in a Chapter 7 liquidation.

The Benefits of Filing for Bankruptcy

One of the biggest benefits to working with a bankruptcy lawyer well before filing is the knowledge about the process that professional counsel can share. Because there are time restrictions on how often you can file for bankruptcy, you’ll want to make sure you are in a position to get rid of the maximum amount of debt.

Also, it is essential to consider what might happen if your financial position changes between now and filing for bankruptcy. If your situation improves, should you back out of filing? If it worsens, should you file more quickly?

Working with an experienced attorney will help clarify the answers to those questions and give you peace of mind as you move forward.

Is Bankruptcy Right for You?

Unfortunately, bankruptcy has been stereotyped in a negative light over the last several years. While it certainly is something that should be used as a last resort to get out of debt, it doesn’t mean your credit will be ruined forever, and it isn’t something you should be embarrassed about. Bankruptcy exists for a reason – to help you get back on your feet.

If you are buried in debt, no matter the reason, and you’re not sure what else to do, bankruptcy could be your best option to get a fresh start with your finances.

Feel free to contact the Orlando Law Group for more information on our bankruptcy services and how we can go to work for you to start the process. Our years of expertise with bankruptcy law will make the entire experience as easy on you as possible, so you can focus on eliminating the debt from your life and starting over with your finances in a healthy and responsible way.

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trademark

Trademarks – What You Need To Know

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Trademarking the logo and name of your business is essential to maintain its originality in a world where people have the tendency to see an idea that works and try to make it their own. Not everyone takes the appropriate steps to ensure that their company name is registered to only be used by them. Not only this, Trademarking is commonly used as a catch-all phrase and its definition becomes ambiguous. In this article, we will provide clarity on the matter. Let us start by defining what Trademarking really is.

What is Trademarking?

Trademarking is the registration process that prevents others from not only using the name of your business, but the symbol that accompanies it and/or the design you worked so hard to create. This process also compares your mark alongside all other previously registered marks to verify whether it is already taken or is similar to an existing mark. Trademarks allow you to exclusively use of your own symbol and name in your ordinary course of trade (the sale of goods or services), within a certain geographic area.

A Tale of Two Businesses

It is important to note that even after trademarking your logo, there will always be others who attempt to use the likeness of your business and even downright attempt to sell the same product and/or provide the exact same services you do. Take the case of Paris Banh Mi Café Bakery as an example in Orlando. The original registered trademark owner has sought to stop a former partner from using almost the exact same name for his business, Paris Banh Mi & Tea Cafe. When this type of infringement occurs, depending on how the mark is registered, mark owners can bring a civil action in state or federal court against those who attempt to replicate their name.

If the first mark owner is successful in proving that he owns a valid, protectable trademark, and that there is a likelihood that confusion will be caused by the copycat’s use of his mark, an injunction may be ordered. This will require the copycat to cease all use of the name. There are other remedies that the Court may order, such as destroying or turning over of any product that uses the mark owner’s name, monetary relief including profits made by the copycat, any damages sustained by the mark owner, and any costs sustained as a part of the action being brought or an order requiring that the copycat pay for the mark owner’s attorney’s fees.

In this case, the former partner was second in line to register his mark and therefore, Paris Banh Mi Café Bakery has a stronger likelihood of obtaining an injunction against Paris Banh Mi & Tea Café.

Trademark Infringement Factors

There are several factors that the court will take into consideration when determining that a party has infringed upon an already existing trademark. Those factors include:

  • The resemblance between the marks
  • The similarity of the marketing methods and channels of distribution
  • Characteristics of the prospective purchasers and the degree of care they exercise
  • The degree of distinctiveness of the senior user’s mark
  • Where the goods or services are not competitive
  • The likelihood that prospective buyers would expect the senior user to expand into the field of the junior user
  • Where the goods or services are sold in different territories, the extent to which the senior user’s designation is known in the junior user’s territory
  • Intent of the copycat user
  • Evidence of actual, legitimate confusion

Source: Anderson v. Upper Keys Bus. Grp., Inc., 61 So. 3d 1162 (Fla. Dist. Ct. App. 2011)

What about Dilution?

Dilution occurs when a business of a different trade begins to use a famous mark, which then causes the uniqueness of the famous mark to diminish or tarnishes the mark’s reputation. When this happens, the court investigates how distinct the service or product containing the similar mark is compared to the original mark holder’s service or product. They will also consider how long and to what extent the product or service is used and advertised, as well as the degree in which prospective purchasers can recognize one from the other.

In an action for dilution, an injunction may be brought against the user of a mark if said mark has become widely recognized by the general public, and if the use of the mark is likely to cause the diminishment of its distinctness. In other words, if a mark is so well know that it is instantly associated with a product, anyone who tries to replicate the mark and place it on a good or service that is different from the famous mark holder’s good or service, may be prohibited from doing so, based on the fact that it may cause confusion.

Where is the Line?

Trademark Law, which is notably different from copyright law, does indeed have gray areas. Where copyright law encompasses original works of authorship, such as books, musical compositions and artistic pieces, Trademark law provides ownership of a phrase or name of a good/service. The line, many times, falls between whether the infringement marks a significant business venture. That is why, if you’re considering creating a business of any kind, your trademark is going to matter, and how your business is protected will minimize any gray areas that can potentially exist.

How to Register Your Trademark

Registering a trademark can be done individually by state or on a federal level. For example, Florida charges $87.50 per classification, which is essentially the area that you would like your trademark to encompass (clothing, mugs, gaming, advertisement, or services providing for food or drinks). A Federal Trademark is sought from the United States Patent and Trademark Office and costs between $225.00 – $275.00 per class of goods or services, which will allow you to stake your claim in your own name, throughout the entirety of the U.S. When you go through this process, it is a good idea to seek an attorney to not only help you to not only navigate uncharted waters, but to ensure that all due diligence is maintained.

Our Advice

Start your business on solid ground. If you are going to plan and spend time formulating a company, you deserve to get the foundation to a level where you can feel confident and comfortable. When Paris Banh Mi Café Bakery created their company, the partnership was strong, but that did not last forever. The owner of the store is fortunate he filed the trademark early. That action created legal armor that will protect the rights to his business name, which may encompass the products being sold. That is why trademarks matter, and that is why you must get it right from the very start.

As always, our attorneys can help make sure you have that legal armor. They know the pitfalls, and know how to avoid them so that when you are ready to begin your next business venture, you know who to call.

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tiktok

For TikTok…The Clock Is Ticking

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Social Media is much more than a tool. It is even more than a product. It is, simply put, a way of life. Just like mobile phones slowly became standard, everyday technology, so too have platforms such as Facebook, Instagram, and now – TikTok. The premise behind the app is simple, short video content that rewards syncing the action to music combined with a “for you” page that tailors what you find based on your interests. A slow yet steady pace of growth has allowed TikTok to rise as a platform of choice for young adults, but nothing could have prepared the app for the notoriety it is receiving now.

The Time Frame

Trouble arose when the stream of data aggregated from the platform was put into concerning crosshairs. The company that owns TikTok, ByteDance, was called into controversy when President Trump stated that he would consider banning the app, given the fact that it could potentially make US user data accessible to the Chinese government.

Instead of immediately banning the app, the President instead, on August 8th, gave a time frame for the company to become compliant.  This executive order gave TikTok about a month and a half to successfully locate a buyer. This time-frame was later extended to 90 days, and ByteDance was ordered to delete any data obtained from U.S. TikTok users.

An Uptick in Users

For TikTok, business has been booming. With the pandemic creating a sense of isolation for many individuals, the app has surged in popularity. This being said, the U.S. isn’t alone in its trepidations. India has already banned the app, and Australia is said to be considering it as well.

The significance of this executive order cannot be understated. It marks an important, invisible currency that apps attain: your data. Apps like TikTok can attain large tracts of information from their users, such as location data and browser history. It’s a new world we live in, one where this transaction of data happens so frequently that we have become accustomed to it. How many individuals do you think truly read the terms of service?

Predictive Precedence

You may be thinking to yourself, “I don’t use TikTok, so how does this apply to me?” The truth is that we all use social media to some degree. It has become a way of life, and with that comes the sharing of swaths of data that used to be harder to attain. We need to know that with this sharing comes a potential vulnerability to so much transparency. Without the full understanding of how that information is being used, it can set dangerously complex legal stages that are difficult to navigate. Although there is no proof yet that the Chinese owned company ByteDance has relinquished any personal data to the Chinese government, understanding that the potential exists is a reality we must confront.

Our prediction, as a Law Firm, is that companies will come under more scrutiny in the future. Even those that are owned domestically are not without their faults. Facebook was in the spotlight this year for its decision to abstain from fact-checking. Notice a similarity? Both cases carry the concern about the passage of information, and how that information is put to use.

We can absolutely attest to the fact that court cases take into consideration social media presence. Photo evidence, especially photographs that contain vital information such as where the photograph was taken and when, are powerful and can culminate in a decisive moment for the client’s case. The old adage, “With great power comes great responsibility,” remains true. With so many users giving their information so freely, there is a great deal of responsibility placed upon the company to be transparent with how that information is handled.

Buyers Coming to the Rescue

Still, you don’t have to delete your TikTok account just yet. The fact remains that, for the app to remain viable in the United States, the clock is ticking to find a buyer for the company. Corporations like Microsoft, Walmart, and Oracle have expressed interest in ownership, and this would be a significant solution in keeping the app usable. If that sale does not happen, the government could act by eliminating the downloading of the app from the Apple and Google store.

Many tech specialists believe this will not stop the use of TikTok, mainly because users can still install rogue apps on Android devices without accessing the Google Play Store. The precedence this sets is for the U.S. Government to have executive power over the download and use of applications, regardless of cause. It is a complex scenario, given the fact that by waiting to prove that information has been compromised, we run the risk of losing data that could have been protected.

The Potential Victor

Microsoft announced on Sunday that its bid for ByteDance has been rejected.  The announcement stated, “We would have made significant changes to ensure the service met the highest standards for security, privacy, online safety, and combating misinformation. We look forward to seeing how the service evolves in these important areas.” It would appear that, based on this language, Oracle has emerged as the potential victor and, barring negotiations that are planned to take place this week, will be forming a partnership with TikTok to ensure the application remains viable in the United States.

How this can improve data control and confidence that information is not being ascertained in a potentially destructive way remains to be discovered. Oracle is expected to make an announcement later with discussions evolving this week on the matter. The clock is ticking to finalize a deal, but TikTok may be one step closer to finding a viable avenue to sustain their presence in the United States market, a rumored 100 million monthly active users.

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Personal Injury Lawyer

Need a Personal Injury Lawyer to Fight for You?

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There are 6 million car accidents each year in the U.S. alone. Some tragically end with fatalities, but many others end with injuries – both great and small. Many individuals make the mistake of thinking to themselves, the odds of me being in a car crash are so low that it will most likely not happen to me and preparing could potentially be unnecessary.

Worse than this, sometimes individuals even get into an accident and do not realize they have been injured until later, and do not take the necessary actions that could allow us to move quickly and get them the relief they need.

While experiencing a car accident for yourself can be terrifying, there are a few things you should always do immediately after an accident.

First, it’s important to make sure that everyone is okay, including your passengers and the people in the other car(s) involved. Then, you should always call the police and make sure a report of the accident is filed. This legitimizes your circumstances in the eyes of the law.

This next step is very important, and because of the stress involved in an accident, it can often be overlooked. If you sustain any type of injury from the accident, your next call should be to a personal injury attorney.

Why Work With a Personal Injury Lawyer?

If you are injured in an accident, you might be feeling lost and confused as to what to do next. This is especially true if you believe you should be given some type of compensation for your injuries.

An experienced personal injury attorney understands your situation and will be able to answer any legal questions for you, as well as go over your rights and what you can expect from a personal injury case. Personal injury lawyers understand the case law and can lay the groundwork for you, so you don’t have to do it on your own. It is not only about the groundwork they can lay down, but also about how they can utilize their prior experience of working cases, many of which most likely contain similarities to your situation. Lawyers have teams and resources that can work together to help make your case successful and fair.  

Additionally, personal injury attorneys have experience and rapport working with insurance companies, as well as the lawyers for those companies. Insurance companies may want to limit the amount of compensation you receive or attempt to not allow you anything at all.

If your insurance company still doesn’t want to budge, then your personal injury lawyer can weigh out the evidence in court, proving your case and helping you to receive what you really deserve in order to cover the costs of your medical bills. You may even be able to bypass going to court altogether. Many times, simply working with a personal injury attorney can help you to avoid going to court with your insurance company. In order to avoid a court battle, the insurance company may be more likely to settle with you. The unfortunate fact is that they are less likely to settle if you choose to fight them on your own. 

When to Contact a Personal Injury Attorney?

If you’ve been injured in a car accident and you believe that you deserve some type of compensation for medical bills, don’t feel as if you have to go through it alone. You have already been through enough.  

Our personal injury attorneys at the Orlando Law Group have the experience you need to handle difficult insurance companies who have been unwilling to give you the compensation that you deserve. By working with our team, you will let your insurance company know that you’re taking your case seriously. That’s what we’re here for: to be the team that fights for you. Feel free to contact us today to discuss your accident. We will go over the evidence with you and make sure justice is served and that you get the relief that you deserve.

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Eviction notice and gavel on a table.

How to Evict Properly in Florida: A Guide for Landlords

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Let’s be honest, evicting a tenant in Florida can get complicated fast.
If you’ve never evicted a tenant in Florida, it’s easy to mess up the timeline, file the wrong form, or delay the process by months. And every extra day your non-paying tenant stays in your property? That’s money out of your pocket.

Yes, you can file an eviction yourself in some cases. But if you want it done fast, right, and by the book, hiring an attorney can save you time, stress, and (honestly) money in the long run.

Here’s what the process looks like — and why working with a landlord attorney from the start may be your best move.

Do I need a lawyer to evict a tenant in Florida?

  • Property in your name: You can file and handle the eviction yourself.
  • Property owned by an LLC or Corporation: Florida law requires you to use a licensed attorney in any County or Circuit court case, outside of small claims.
    ➡️ Even if you’re not legally required to have a lawyer, it’s often the fastest and cleanest way to get your property back.

Basic Florida Eviction Process

Step 1: Serve the Notice

  • 3-Day Notice for unpaid rent.
  • 7-Day Notice to Cure or Quit for lease violations that can be fixed (e.g., unauthorized pets).
  • 7-Day Unconditional Quit Notice for serious or repeated violations.
  • Serve by posting on the door, hand-delivering, or certified mail — always keep proof (photo + copy).
  • Any other Notice applicable under the Rental Agreement or Chapter 83, Part II, of the Florida Statutes.

Step 2: Wait for the Notice Period To End

  • Make sure to check the applicable statutes or provisions of the rental agreement to ensure that you are waiting the required amount of time.

Where this goes wrong:
We’ve seen landlords file their case too early, thinking “three days is three days.” But if you include weekends or count the day of service, the court can dismiss your case. That means re-serving the notice amending your case and essentially starting over, while the tenant stays in the unit without paying rent or in any other violation of the lease or applicable statutes.

➡️ An attorney makes sure every deadline is calculated correctly so your case moves forward without delays.

Step 3: File the Complaint

Once the notice period has passed, you can file the eviction case with the court.

  • Draft your complaint using the applicable forms, depending on which County you are filing.
  • Attach the lease, notice, and a rent ledger (if it’s a non-payment case), or any other documents that you are relying on to state your case.
  • Pay the filing fee ($185–$225), plus about $10 per summons

Where this goes wrong:
Some landlords download the wrong template from a random website or use an outdated form that doesn’t meet Florida’s current court standards. Others file the wrong type of complaint altogether or leave out required attachments. It is important to properly identify the parties, and the facts related to your claim(s).

➡️ Filing the wrong form or missing a document can delay your case by weeks. Hiring an attorney means your paperwork is complete, accurate, and accepted the first time.

Step 4: Serve the Tenant

After filing the eviction, the tenant must be formally served with the summons and complaint.

✅ You must hire either:

  • The sheriff in the county where the property is located, or
  • A certified process server approved by the court (typically $40–$90)

Make sure to keep the return-of-service paperwork — this is your legal proof the tenant was properly served. Without it, your case can’t move forward. You will need to get an “affidavit of service” from the process server or Sheriff and file that in the court case.

Where this goes wrong:
Some landlords mistakenly think they can deliver the court paperwork themselves, especially if they already hand-delivered the original 3-day or 7-day notice. But once you file the eviction, Florida law requires a neutral third party to serve the summons.

➡️ Serving seems simple, but one wrong move and your case is back to square one. Hiring a qualified attorney ensures it’s done right the first time.

Step 5 Wait for Tenant’s Answer

Tenant has 5 days, excluding weekends and holidays (starting from day served = Day 0) to:

  • File an Answer
  • Deposit past due rent into the court registry (if non-payment case); OR to file a Motion to Determine the amount of rent to be paid into the registry of the Court.
  • If the tenant misses this, file a Motion for Default and Final Judgment.

Where this goes wrong: In one situation, the tenant never responded, but the landlord didn’t know they had to file a motion for default. The case sat in limbo with no action for over 5 weeks. No one from the court reached out, so it just sat there. The Court does not always set hearings for you. If you want the case to move fast, you need to stay on toop of it and coordinate hearings.

➡️ We monitor the case daily and file immediately when deadlines pass. You don’t lose time waiting or guessing.

Step 6 Obtain and Execute the Writ of Possession

After the judge enters a final judgment, you will need to file a proposed writ of possession with the Clerk. Afterward, the clerk will issue the Writ of Possession, the document that authorizes the sheriff to enforce the eviction, or they will let you know what is missing or if anything else is needed.

✅ Here’s how it works:

  • The sheriff posts a 24-hour notice at the property.
  • After that period ends, the sheriff returns to supervise the lockout.
  • The fee for this step is typically $90–$115.

Where this goes wrong:
Landlord’s will oftentimes wait for the Sheriff to execute a writ of possession without getting one issued by the Clerk. The Clerk of Court needs to produce a document that you give to the Sheriff. Without this happening, you will have a final judgment with no enforcement mechanism to actually remove the tenant(s). We’ve seen situations where landlords acted too quickly after the 24-hour notice — removing or discarding the tenant’s belongings without taking proper steps. Due to some unusual circumstances, the tenant wasn’t able to retrieve their items, and the landlord ended up being ordered to pay thousands in damages.

➡️ Even at the final step, one wrong move can open you up to major liability. An attorney can help you make the right decisions and avoid costly mistakes.

Extra info

 Up-Front Costs to Budget

  • Court filing fee: approx. $185–$225
  • Summons issuance: approx. $10 each
  • Process server or sheriff service: $40–$90
  • Sheriff writ execution fee: $90–$115
  • Copies/certified mail postage: $5–$20
  • Note: You can request the judge to include these costs in the final judgment against the tenant.

What landlords don’t always realize:
If you hire an attorney, many of these costs are included in what you pay them. Whether it’s a flat rate or hourly billing, things like court filing fees, summons issuance, and service fees are often bundled into one invoice,  saving you the hassle of paying for each step separately.

➡️ That means you’re not getting hit with surprise expenses, and you don’t have to track each court and sheriff fee yourself. It’s all handled — correctly and efficiently — by your legal team.

Final Thoughts: You Can DIY,  But Should You?

Evicting a tenant in Florida isn’t just about paperwork,  it’s about doing everything by the book and on the right timeline. One small mistake, and your case could get dismissed, delayed, or cost you thousands in unpaid rent or legal fees.

Yes, some landlords choose to handle it themselves. But if you want to protect your property, your finances, and your peace of mind,  hiring an experienced landlord attorney is the smartest move you can make.

Need help with a tenant issue?

We help landlords across Central Florida, including Orlando, Waterford Lakes, Altamonte Springs, Lake Nona, Winter Garden, St. Cloud, and Kissimmee. Whether you’re a private landlord or manage properties through an LLC, our eviction attorneys can guide you through the process from start to finish.

If you’re looking for a Florida landlord-tenant attorney who knows how to handle evictions efficiently and by the book, contact The Orlando Law Group today.

📞 Call us at 407-565-HELP


Connect with Our Real Estate Attorney

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dog

Emotional Support Animals & Community Association Rules: What Does the Law Say?

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Many Community Associations adopt rules and restrictions to limit pets within a community. When purchasing a home, this can be especially appealing to those who suffer from allergies, those that have animal phobias, or those who just simply dislike animals in general because of the noise they make or the mess they sometimes leave behind.

However, it has been well established that service animals, “trained to do the work or perform a task for an individual with a disability, whether physical, sensory, intellectual, or other,” cannot be kept out of a community based on a Community Association’s “pet restriction policy.” This is because the Fair Housing Act, which was adopted in 1968, was modified in 1988 to include persons with disabilities as a protected class. In summation, the Act states that no person can discriminate against another with a disability when renting, buying, or selling a house. Since the service animal is an accommodation for the disability, not allowing the animal would be considered discrimination. Also, since the Fair Housing Act is a federal law, this law supersedes any rules and regulations or any restriction within the declaration of the Association.

THE DIFFERENCE BETWEEN A SERVICE ANIMAL AND AN EMOTIONAL SUPPORT ANIMAL

The next question to consider is if there is a difference between a service animal and an emotional support animal. The answer is yes! Service animals require a high level of training and are typically trained to provide specific tasks for their owner. Emotional support animals on the other hand do not require any specific training. Their sole purpose is to provide, as their title suggest, “emotional support.” Service animals are easy to identify as they tend to be dogs and perform very specific tasks such as seeing eye dogs that provide guidance for the blind. However, with emotional support animals, Community Associations continue to see an increasing number of owners who claim to need emotional support animals with no outward demonstration of a need for support nor the animals demonstration of anything other than being a household pet.

This has left most Associations asking the quintessential question, “what criteria do we use to validate any claim from an owner as to the need for an emotional support animal or animals in some cases?” This is a difficult question to answer and has become a much-abused provision of the law in recent times.

THE AMERICANS WITH DISABILITIES ACT

But we are not without any legal support. The law does provide Associations with some guidance.  The Americans with Disabilities Act limits support animals to dogs and miniature horses. The law also imposes penalties for false claims, although we do warn Associations that it is very difficult to prove such a claim. Associations can also require supporting documentation from an authorized physician or therapist stating the need for the animal. The law protects an individual’s right to privacy as to their specific disability but does not prevent an Association’s right to request proof of the need for an emotional support animal or the need for multiple animals if the case presents itself. The Association can also adopt reasonable rules that the owners must follow so that these animals do not interfere with the peaceable enjoyment of the community by the rest of the residents. For example, one such rule could include that all emotional support animals must always be on a leash when outside an owner’s residence or fenced in yard. Another rule could be that all owners are responsible for picking up after their animals and properly discarding all animal waste.

NAVIGATING THE FINE LINE

There is no denying that animals definitely provide therapeutic healing for those who need it. However, more often than not, we have seen many owners try to get their pets into communities that have “no pet” polices under the guise of them not being a pets but rather emotional support animal with a certificates printed off the internet. This has, in turn, created a very negative connotation and atmosphere surrounding emotional support animals.

As a community, we cannot let the selfish acts of some affect the true medial needs of others. So, Associations can arm themselves by knowing the laws regarding emotional support animals, require owners to provide proper documentation and implementing reasonable rules and regulations for emotional support animals within your community. This will allow those who truly need the support of a fury friend to receive the aid they need and hopefully deter others from violating the laws and instead choose to live in a pet friendly community instead.

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covid-19

CDC Guidelines for Businesses Grappling with COVID-19

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With the world of change that we have been afforded, it is very easy to feel inundated with information regarding COVID-19. Businesses are clamoring for data that is not only useful, but also valid and from a source they can trust. The CDC has released a document detailing information that will help you understand practical protocols when someone has tested positive or could be a potential carrier of the Coronavirus, and we have broken that document down for you.

We at The Orlando Law Group understand that each business is unique, and the handling of an office may differ than the response of a restaurant. A plan that involves CDC Guidelines is a perfect defensive strategy in terms of keeping your employees confident and safe, your customers comfortable with how you are reacting, and your liability very low. You may never be sued over someone catching COVID-19 at your establishment, but not following proper guidelines could land you in a world of social media slandering that you could have preemptively avoided if you had utilized these methods of protocol.

What qualifies as exposed to the virus?

We have all seen the social media posts or heard whispers from our “In the know” neighbors saying, “Did you know someone tested positive at that location.” CDC guidelines state that persons deemed “exposed” are those who have been within 6 feet of a Positive Covid-19 person for more than 15 minutes.

What happens if an employee has been exposed to COVID-19?

If an employee has been in direct contact with a Positive COVID-19 employee, but is asymptomatic and has not been tested, they will need to quarantine from the date of exposure for 10 days. If symptoms appear within 10 days of isolation, a symptom-based strategy will implore an employee to not report back to work unless they are asymptomatic and without medication for symptoms.

What if an employee tests positive?

If an employee does test positive, then that employee will need to quarantine for ten days from the date of their positive test. After this, they will need to show that they have recovered fully from the effects of the virus. The CDC recommends that businesses take action if an employee has tested positive. Shutting down indefinitely is the last option you want to take, but there are many precautionary steps you can achieve that will put your customers at ease. If it has been less than 7 days since the sick employee went home, it is a good idea to close off any areas or stations where that employee might have spent a prolonged period of time working at. That employee should not return to work until they are in full recovery.

What defines recovery from the coronavirus?

In order to show recovery from the coronavirus, the employee will need to retest two more times, greater than or equal to 24 hours apart, in order to show that they have received two tests that were negative before returning to work. At least three days need to have passed since recovery, which is defined as resolution of fever without the use of fever-reducing medications and improvement in respiratory symptoms. One important aspect to remember is that, if an employee has visited a physician for care, the physician’s requirements supersedes the CDC guidelines.

What actions should you take to disinfect the store?

The CDC recommends waiting 24 hours before cleaning and disinfecting. This will minimize other employees being exposed to respiratory droplets. It is the best practice to open doors to the outside in order to allow as much air flow as possible during this 24-hour waiting period. If 7 days have passed since the employee that is sick has worked there, additional cleaning is not necessary outside of the usual routine process of cleaning and disinfecting of all high-touch surfaces in the facility.

What is the proper way for our business to fully disinfect?

 It is very important to clean surfaces with soap and water before disinfecting them. When disinfecting surfaces, the CDC recommends using products that meet the EPA criteria for use against SARS-Cov-2, the virus that causes COVID-19. Make sure to wear gloves and gowns that will protect you while you use these chemicals to clean. If you want to make the cleaning process more thorough, the CDC recommends hiring a cleaning company. Reach out to us on our Facebook, and we can recommend the one that we used.

Requiring current employees to get tested for COVID-19

Subject to the rules of the federal Americans with Disabilities Act (ADA) and similar state laws, requiring someone to get tested for the coronavirus is not in accordance with the law unless a manager must do so to preserve the safety of the workplace as well as the ability for that employee to perform their job. The EEOC has recently detailed that those with the virus, “will pose a direct threat of others.” When deciding to test, the CDC recommends using a resource that is accurate and reliable by checking the U.S. Food and Drug Administration and other public health authority websites for the latest information, including their own.

Should we close the Business?

The CDC has made it up to the store’s discretion as to whether they should close. We are certain that businesses will work hard to maintain safety protocols and keep their facilities clean. It is very important to remember that, beyond anything else, you are not alone in this. With change always comes discomfort, and it is going to take a long time to adjust to the differences of these new conditions. When the world changes, we must change with it.

The Orlando law Group is here for you. We take each conversation, each client, and each situation as they are presented to us. If you are looking for updates on COVID-19, make sure to check out our Coronavirus Legal Update Panel. We know that no two circumstances are exactly alike, and there may still be lingering questions you want answered. We will figure this out together one day at a time, doing the best we can for those we care about.

Stay focused, stay safe, and if you ever have questions, The Orlando Law Group is here to help. Never hesitate to reach out to us.

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houses

You Should Never Make These Real Estate Mistakes

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The Real Estate industry is filled with victories, losses, and mistakes. The fact that there are so many Realtors and so much business being conducted means that there is a high propensity for ingenuity as well as massive opportunities for pitfalls. You may have passed the Real Estate exam, and you may have a handful of experience on your resume, but that does not mean you have experienced it all. That does not mean that you are infallible. Whether you’re a Realtor working in the industry for the first time helping someone sell their home and upgrade or a seasoned investor looking to gain your next big investment property, these are great reminders of what not to do.

Over the years, many real estate and small business owners across the U.S. have witnessed numerous mistakes that have cost them thousands of dollars in overpaid taxes. We at The Orlando Law Group do not want that to be you (if it ever is call us). We want you to have a deep understanding of the mistakes people make before you must litigate. If you are looking to invest or simply finding ways to run your business like a business, never make these Real Estate mistakes:

Personal funds used for business and real estate expenses are nondeductible

If you are going to use your own personal funds to pay for real estate or business-related expenses, it is important that you are clearly tracking the expenses. Any expenses that are incurred for the business or for real estate are generally deductible, even if you use your personal money. The line between the two should be quite bold, and there should be distinct differences between personal finances and business finances. We have all heard of

Overpaying (Tipping) the IRS will make me “Audit Proof”

Rather than go over, or under, when dealing with taxes it is best to get it right. Err on the safe side and always pay exactly what you owe to the IRS. If you constantly under pay your taxes or cannot substantiate your deductions, then the IRS starts to take notice.

Even if you tip the IRS in one area, it does not necessarily mean the IRS will not make you pay penalties if you underpay in another area. Additionally, it is important for you to make sure to track everything correctly and have the right documentation. To ensure this, it would be best to have a knowledgeable tax advisor to help you with the process.

You are allowed more deductions by being incorporated

If you have a legal entity to operate your real estate business from, make sure to use it correctly. Forming a legal entity does not actually mean that you get more tax deduction. Real estate or business-related expenses may be deductible regardless of where it is paid from. Make sure that your income is being paid to your legal entity. If you need help setting one of these up, we are here to assist you. So many individuals think that they can run a business without being incorporated, but there are real advantages to going through the necessary steps. We can show you how.

Utilizing the Home Office Deduction Incorrectly

Currently, the above statement no longer applies. In fact, since there are so many people that work from home, the IRS cannot audit all tax returns claiming home office deduction. The key is to keep excellent records to satisfy the IRS’s requirements and you should avoid an audit. Make sure to benefit from the home office deduction, and if you have any questions about grey areas, reach out to us. We have worked with many individuals who run their business from a home office, some for many years of their life.

Claiming Deductions That Are Out of the Scope of Your Business

There are still ways to claim many deductions from your real estate business even if you do not take the home office deduction. Some of the items that you can still take deductions for include: real estate maintenance supplies, business-related phone bills, travel expenses, wages paid to contract workers for property improvements, depreciation of equipment used, and other home-based related expenses. Claiming items on your deductions can sometimes be treated like an art rather than a science. We recommend having a scientific, consistent, and tested approach. Never make assumptions by yourself, and include others’ perspectives to make sure you’re claiming the right items.

Filing an extension gives you an extension to pay any taxes owed

Even though filing an extension allows you to extend the filing date of your tax return, it does not extend the time you have to pay the taxes that are due. You still might be charged penalties and interests from the date your taxes are due if you have not submitted them on time. Make sure you set a schedule and keep to that schedule. If you need to, set reminders. Have business partners hold you accountable, and do not let taxes owed build up over time.

You Cannot Deduct General Expenses

Real estate investors have proven to be great at deducting property specific expenses such as mortgage interests, management fees, property taxes, and insurance. However, a lot of investors miss out on general and overhead expenses that real estate businesses have. These include car or travel expenses, marketing expenses, cell phones, and meals. If these expenses are directly related to your business, then they can be deducted. The key is having them planned and managed. With a good budget and great records, you will be able to successfully communicate where your business falls in terms of deductions.  

Everyone is used to filing taxes every year, but big businesses try to look at their expenses quarterly. Attaining tracking practices that will maintain good habits and records is vital to understanding what occurs financially over time. Without systems and processes that you hold onto, it becomes easy to have details fall through the cracks.

We at The Orlando Law Group want you to stay aware of the mistakes that others often make. They may seem simple, but when you are running your business, it is easy to get lost in the day-to-day tasks and forget about these overarching items. As always, when there are grey areas involved, it is best to consult a legal professional. We take taxes seriously, and so will the government. We have seen cases where, if the business had been more preemptive and planned better, they would not be in the middle of an audit. This is only meant to encourage you to have a plan, know the pitfalls, and when you need advice, call us. We want to help, and we are here to make your life easier and your business that much better.

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commercial leases

Commercial Leases: What You Need to Know Right Now

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Courts have been slow to reopen and deal with eviction issues. Commercial lease evictions are able to continue, but practically they will still take time to get through the courts, so now is the time to try to work things out if possible to save time, money, and stress. Some considerations to think about with your commercial lease are as follows: 

Considering How Shopping Center Commercial Leases are Unique  

The fact that shopping center leases have co-tenancy provisions makes them unique and could grant tenants more options in court. The goal of this co-tenancy is to ensure that stores do not miss out on opportunities because other stores are closing and causing a continual downswing in foot traffic. In terms of the battle between landlords and tenants, tenants may have a potential argument that the landlord has not fulfilled its co-tenancy obligation. 

It is important to note that one of the factors that many tenants’ arguments will stand upon is whether COVID-19 indeed prevented them from paying their rent. One of the considerations that many landlords are taking is the potential to fill the spot that would be left vacant.

Factors that will affect such decisions include supply and demand as well as how desirable the location is. It may even be more advantageous for landlords to settle disputes out of court, but we are certain once the moratoriums subside, the courts will see an influx.   

What Exactly Is Co-tenancy and How Could It Apply?  

When more than one entity has an interest in a property, co-tenancy agreements usually apply. In commercial property, many times increased traffic will cause businesses to be more successful over time. The inverse is true as well, with businesses that are forced to shut down causing damage to the potential of the stores that are left.

Many times, to assist with the finances of these stores, landlords will lessen the rent of the co-tenants. It is all up to the landlord and the documents that the businesses signed when they first decided to become situated in that location.

Complicating matters more is the fact that PPP Assistance may give a business the appearance of operating at a standard level when foot traffic is drastically lowered because of rising positive COVID-19 tests.  

With a lack of pandemic provisions written into leases, landlords and tenants are having to get creative with the options that they are afforded. Co-tenancy has often been used to help businesses that are suffering due to the lack of success from an adjacent commercial listing.

However, what happens when an external factor is causing many of the businesses to suffer? It may just be that a battle is looming on the horizon between landlords and tenants, and every month we get a little bit closer to that battle becoming our reality.  

What Options do Landlords Have? 

Although landlords are in a predicament when it comes to shouldering tenants that are not paying rent, there are many points to take into consideration before filing for eviction.

For the high-end shopping centers, they may have the footing to stand on, mainly because filling the empty location will not be as difficult. For areas with less foot-traffic, landlords may be encouraged to work with their tenants.  

Depending on the language found in the contracts signed between the owner and the occupant, some owners have been able to offer concessions to assist their tenants during this time; however, many are not going to be able to make such offerings.

Some have speculated that eventually, owners may turn to lenders to try and gain permission to offer concessions. The fact remains that all three parties are in a mode of cautious speculation over what options they may have to maintain some semblance of the bottom line when it comes to their businesses.

Although insurance does not usually cover pandemics, that could change down the line. Lenders are looking at options that involve insurance that would help landlords and, in turn, help their tenants through difficulties that are out of their control, such as a pandemic.  

An important factor is assistance afforded by the PPP loans from the Cares Act. Even with an extension and another assistance check, the potential ending point could be early August when the program is set to expire.

We could be looking at many agreements being modified and tensions rising between landlords and their tenants as that time approaches. Once the PPP loans expire, we will be seeing an entirely different operating pattern for landlords and the businesses they rent to. That dreaded conflict could create many vacancies and fluctuations in the commercial market. We must be ready.   

A Wave of Litigation on The Horizon  

We believe that, although you can stave off conflict, many times it is only buying time that will eventually run out. With difficulties being placed on both sides, we certainly predict a wave of litigation concerning these issues.

Our recommendation is to cross these bridges before they are at your feet. One of the best practices you can have with the businesses you work with is to have open lines of communication. Of course, when relationships become too contentious to resolve certain complications, it becomes necessary to have a legal professional help.  

Being situated where we are, The Orlando Law Group is keeping our focus on what we can do to help commercial businesses and their landlords through this difficult time. It could be the simple act of looking at your documents to have a deeper understanding of the potential you will have when facing mounting litigation. 

When there is no easy answer, the law is there for us to rely upon, and we are remaining cautiously hopeful for the future. Businesses will have to adapt as well as their landlords, and as we go through this change, we will find new ways to protect the financial future of our endeavors.   

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paid leave

Navigating the Gray Areas of Paid Leave: What You Need to Know

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One of the goals of the Families First Coronavirus Response Act is to help assist families who are having to alter their normal ways of living due to canceled plans. One of the big areas to cover is paid leave, and what situations can qualify for effective paid time off. 

  1. Summer Camps Cancelling their Plans

If the parents were planning to send their child to summer camp, and that camp canceled due to COVID-19 complications, how can the parent take care of their child? The U.S. Department of Labor said Friday that workers could indeed take Federal Coronavirus Leave, up to ten weeks off at partial pay. Wage and Hour Division Head, Cheryl Stanton, mentioned this in a letter discussing possible employer violations. A complicated matter on both sides, there will most likely be parties trying to take advantage during this time, and clarity will be a powerful factor in determining if the worker does qualify. In this article, we discuss the details that go into qualifying for paid leave.  

  1. Setting a Clear Stage of Planning 

One of the biggest ways to get this right is by showing true proof that, if the current situation had been normal, your child would be enrolled and attending a summer camp. With the Families First Coronavirus Response Act, the first Federal Mandate was established, stating that employers with fewer than 500 employees must give workers short-term paid sick time for reasons associated with COVID-19, as well as long-term paid leave in order to care for children whose schools or childcare facilities are closed. The ruling took place on April 1st and will expire at the end of the year. 

  1. Getting the Exact Numbers Right

According to the FFCRA, if an employer has 500 or fewer workers, they must provide them with up to two weeks of sick leave at full pay, up to $511-per-day cap, if they are directly affected by COVID-19, and at partial pay, up to $200 a day, to care for affected family members. According to the law, there are six qualifying reasons for leave. The employee may qualify for sick leave if the employee is

  1. Subject to a Federal, State, or local quarantine or isolation order related to COVID-19
  2. Has been advised by a health care provider to self-quarantine related to COVID-19
  3. Is experiencing COVID-19 symptoms and is seeking a medical diagnosis
  4. Is caring for an individual subject to an order described in (a) or self-quarantine as described in (b)
  5. Is caring for a child whose school or place of care is closed (or childcare provider is unavailable) for reasons related to COVID-19
  6. Is experiencing any other similar condition specified by the Secretary of Health and Human Services, in consultation with the Secretaries of Labor and Treasury. 

As the level of cases fluctuates, these rules are having to be executed to give direction to a nuanced situation. The importance is being placed upon clarifications, and many individuals are still not certain about what rights to utilize to take time away from their job and care for loved ones.  

  1. Adding Clarity to the Situation

One of the important clarifications made was that the FFCRA’s 10-day emergency paid leave can be taken on top of any existing paid leave that an employer already provides. An area where they have expanded the law is the age of the child that is being cared for by the parent. Although the statute says that workers are eligible if they have to be home to care for a child who is under 18, the Department of Labor clarified and stated that the law will also cover children who are over 18 but have a physical or mental disability that requires a kind of care that is made unavailable because of the recent COVID-19 related shutdowns. 

These alterations are in accordance with being able to successfully carry out the law. The law does state that the individual whom the worker is taking care of must be a family member, someone living in the same household, or someone with a quality of personal relationship where there would be an expectation of care from the employee. 

As you can see by the detailed, specific language utilized, the propensity for someone to game the system could be high, and that is why having all of the facts aligned in your favor will be so very important. Establishing the concrete details that solidify the individual as having a personal relationship and needing your care will be vital to receiving your payment. 

  1. Does the child have to be fully enrolled in the camp? 

Not necessarily. Although it is encouraged to not rely on any grey areas, it is potentially acceptable if your child is on the waiting list to get into a camp. However, it is very important to note that simply having the desire to send them to camp will not suffice. There needs to be a plan, and evidence that the plan was to be carried out until mitigating circumstances prohibited the camp from occurring. 

Another option the law allows for is up to 10 weeks off at partial pay, up to $200 per day, to care for children whose schools or childcare centers have closed due to COVID-19. For the employers that are covered under the law, they are encouraged to seek reimbursement of the qualifying leave through tax credits. 

  1. What about companies with 50 or fewer employees? 

For those companies that have 50 or fewer employees, they may be exempt in terms of having to provide leave. This is stipulated upon how essential the worker being present is in terms of upholding vital business operations. 

As you can see, and as there usually is with new, unprecedented legislation, there are many angles and grey areas to consider. The catch 22 of having businesses struggle alongside their coworkers could potentially place them at odds with one another, and this is something that we want you to be aware of and ready for. 

Having your information in alignment and accordance with the latest laws will be to your benefit. As always, The Orlando Law Group is here to help you through your specific situation. Although similarities exist, your world is your own and will require a specific interpretation of how the law applies. Our attorneys treat you as an individual, and we will not stop fighting for your rights to the time and money you deserve. 

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unbreakable lease

Unbreakable Lease: Orlando Student Files Lawsuit for Refund

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With what has been going on in our world lately, our daily lives have been interrupted in ways we cannot underestimate. One industry that has been affected is college living. With colleges moving towards virtual learning to stay healthy and cautious, students have been forced to leave their dorms and suddenly break their agreements.

Trapped in an Unbreakable Lease

Imagine being trapped in a rental agreement that you could not break with the stress of a semester upended. That is the reality that many students face, and they are beginning to file lawsuits to fight back.  

Right down the street from The Orlando Law Group Waterford Lakes office near the University of Central Florida, a class action suit has been filed against a Georgia-based, off-campus apartment operator. Incongruent to what the University has accomplished (they refunded housing money for university-run dormitories), Preferred Apartment Communities Inc. had failed to refund rent paid by students who returned home when campuses closed the middle of March.

Those students are paying monthly rent for a location they are not living in, and for those who have lived near campus, they will attest to the fact that those payments are not low.  

They are not alone

In Colorado, students are suing their University for fees that cover services they are no longer receiving due to the pandemic, which has paused on many parts of the campus.

Many of these dues account for the student recreation center, transportation, sports events, and the performing arts center. A local attorney representing the students highlighted the fact that colleges should be held to the standard of any other business. If students are not receiving services, they should not be paying for them.  

For the suit that is being filed in Orlando, the client’s mother pays $810 for her daughter’s room at The Retreat. The complex is closely tied to the University and has a technology center, sports facility, a sauna, club room with pool tables, and a coffee bar.

This is highly relevant, as Preferred Apartment Communities stated in a letter that all fitness centers and inside amenity spaces would be shut down. They would only open if emergency repairs needed to be made. Later that month, on March 26th, the housing complex released a statement saying that though they were sympathetic to the hardships brought about by the pandemic, lease agreements would not be altered. They then proceeded to collect rent for March, April, May, and June.  

Making a difficult time worse

The Lawyer who represents the student stressed for students and families; the defendant is making a difficult time worse by prioritizing profits over protecting its reputation as a company that cares for its clients. When a tenant breaks a lease, it will hurt their bottom line, but how long can students maintain paying for a space they are not currently living in? 

It is unclear how many students have had to return home, but one can assume that this is not an issue within a vacuum. Campuses and the apartment complexes that surround them have begun to encounter these complications. Although there are procedures to prevent eviction, there are not many rules in place for early lease termination as a direct result of the pandemic.  

Of course, like most controversial issues, there are always two perspectives. A lease is a legally binding contract. Although a moratorium has been placed on evictions (note that the moratorium only staves off the eviction process and does not prevent it), it does not exclude someone from the obligations placed upon them because of their lease.  

Colleges can only provide limited help

Although colleges cannot stand between an off-campus apartment complex and the students who live there, they are trying to help by providing tips for anyone struggling. Indiana University gave its students advice on what to do if you must leave your rental unit early because of the COVID-19 virus.

They highly recommend having all communications done in writing and fully communicating to your landlord your situation. If your landlord agrees to lease termination, be sure that you get it in writing. Specific actions such as cleaning the unit before you leave, removing belongings entirely, and arranging to turn in your keys can help lessen the potential payment you have to make when breaking your lease. Still, unfortunately, such actions might make zero difference in the long run.  

Consequences of an Unbreakable Lease

The consequences of breaking your lease could be vast and progressive. Lawyers speculate that once the eviction ban expires, landlords will sue to gain possession of their apartments and seek payment for rent that was unpaid. If you are sued, it could damage your credit, making it harder to own or rent a property in the future.

Landlords can be skeptical of who they decide to rent to, and if they see public records reflecting nonpayment for rent, this could be a dealbreaker. If they choose to work with a collection agency, this could damage your credit score. It is truly a complex issue with many angles to consider.  

What can we learn from this situation? Legally speaking, contracts are like tools, each has a use, and each has restrictions and limitations as to how it can be used. We highly recommend starting any complex analysis by taking a deep dive into the language found in the documents that were signed. Sit down with a lawyer (preferably one of ours), to discover how the language in those contracts affects your situation.

Wrapping up

When a complex issue arises, both parties feel they are in the right, and both parties stand to lose value they feel entitled to. For the companies that rent to students, they are apprehensive of the mass exodus that would occur if they allowed their tenants to terminate their leases. For the students, paying rent for apartments they do not inhabit is a luxury they cannot afford, but it may be one they inevitably have to pay.  

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Changes to the Paycheck Protection Program

The Paycheck Protection Program Has Changed

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The Payment Protection Program underwent changes on June 16, 2020. With these changes brings more flexibility and potential uses for borrowers. We at the Orlando Law Group want to keep you up to date with the assistance that is being provided, and below, you will find some valuable points that you need to know about the new PPP loan forgiveness application terms. If the Paycheck Protection Program has changed, we need to stay up to date and apprised to the situation. Below, you will find updates that

Extending the coverage period of the paycheck protection program

Starting off, borrowers may choose either an 8 week or 24 week coverage period where they can spend their PPP funds.

When they opt for the 8-week stipend, the maximum compensation amount is $15,385 for non-owner employees. For the 24-week stipend, the maximum compensation amount is $46,154.

Employees who are business owners, general partners, and self-employed individuals get a maximum compensation amount of $15,385 and $20,833 for the 8 and 24 week coverage period, respectively.

It’s up to the borrower which coverage period they think is best (8 or 24 weeks). At first glance, it may seem that the compensation period of 24 weeks is better as it gives the employees more time to use their PPP funds; however, the employer must maintain his or her employment levels as stated in the pre-COVID 19 references for the same length of time.

Borrowers may decide to apply for the PPP loan on the following periods- January 1, 2020, to February 29, 2020, or February 15, 2019, to June 30, 2019. The period that has a lower employee number can be more advantageous for employers.

Full-time equivalency or FTE calculation will be used to determine employment levels.

Which coverage period makes the most sense?

In the same vein, employers must take measures and refrain from reducing compensation to more than 25 percent of earnings in their most recent employment quarter, usually January 1 to March 31, 2020.

If a business remained operational and he or she has paid their employees recently, then the 8 week coverage period would make more sense to utilize as they would not need to reduce their employees’ salaries or fire them in the future. On the other hand, if a business was closed and the employer did not pay its employees recently but intends to open after the restrictions are lifted, then it makes more sense to choose the 24-week coverage.

It’s important to note that the major factor in determining forgiveness is average FTE or full-time equivalency. Borrowers can compute this by adding up all weekly paid hours and dividing that by forty and rounding it up to the nearest tenth. The ceiling per employee must not exceed 40 hours.

an alternative way to compute Full-time equivalency

An alternative way to compute for FTE is by assigning a value of 1 for employees who work 40 hours a week, while employees who work less than 40 hours per week are assigned a value of .5

Borrowers may use similar methods when calculating full-time equivalency in qualified reference periods and when comparing numbers in the coverage period.

Take note that there are safe harbors in place which can reduce FTE without affecting PPP loan forgiveness. An example of where it can be applied is when an employer is unable to rehire employees for valid reasons.

designing the paycheck protection program to be flexible

The Payment Protection Program is designed to be flexible and can accommodate different employment factors and situations. Computing for PPP forgiveness can either be simple to extremely complex depending on your business’ circumstances.

As the economy shifts, so will the rules behind these programs that are aiding individuals and businesses that have gone through strife. We want to make sure that you have the most up to date answers and will be monitoring the situation to see what the future brings. It is important to note that if you have questions about the intricacies of these forgiveness programs, do not hesitate to reach out to us at The Orlando Law Group. We are truly here to listen, to care, and to solve.

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