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The Tidal Wave of Evictions Begins to Break

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With COVID-19, there has been a blanketed feeling of stress brought about by financial strife. Many individuals and businesses are struggling to make their normal payments. This has caused all eyes to stay locked on the monthly moratorium that keeps getting extended every month. This acted as a barrier for many, but also increased the unknown moment of when we would begin to see the ripple effects brought about by a fractured market. We may be at the beginning of the tidal wave of evictions.

What makes the latest Moratorium different?

In the latest extension, which brings the new date to September 1st, new language seems to allow eviction filings to resume. It may even allow for some residents to be removed from their living conditions. The statewide moratorium that was put into place before encompassed more protection for renters, suspending, “any statute providing for an eviction cause of action.” Even though the interpretation of that statement was thought to prohibit landlords from filing, many began the process anyway. A staggering statistic: about 400 commercial and residential evictions have been filed in Orange County as of this time. In terms of what exactly the newest extension suspends, it only halts the “final action at the conclusion of an eviction proceeding” and only for tenants who have been “adversely affected by the COVID-19 emergency.”

It seems that language may open the floodgates, and we may begin to see the onslaught of evictions begin to move forward. A standard amount for Orange County is 1,000 evictions filed every month. With the amount that has built up, we could see at least 5,000 cases filed.

Why is Central Florida vulnerable?

Central Florida is particularly a vulnerable location, being that it relies heavily on the tourism industry. Homelessness, industries on the brink of shutting down, and a wave of restaurants closing permanently are all a part of the predictions being placed at this time. With the language of the new moratorium, landlords will see much more success with their filings. Not only this, but the fact that so many tenants, who are accustomed to the moratorium being unaltered, will not realize the differences and when they are summoned to court may chose to ignore it. If so, this could result in them having five days to reply. If they do not, they could lose their case and automatically be kicked out.

Many have faulted the fact that this extension has been put forward without more clarity on how it differs from the ones that have come before it. Not only was this placed days before the prior moratorium was set to expire, it also came without comment or clarity from the governor. It was not until later that he stated that the order would only effect those who have not been financially impacted by the pandemic.

Caught between difficult dilemmas, the change was implemented to help give landlords and property management companies assistance when their tenants refuse to pay. Sifting through those who have been affected by the pandemic and those who have not may be a tough task. In June alone, 1.02 million Florida residents were still without work. This is a frightening figure, and one that indicates that Florida will be heavily impacted economically for some time.

A Truly Difficult Dilemma to Solve

Even still, the waters are made murky by those who would take advantage on the pause in evictions. For the month of June, property management executives as well as mom-and-pop landlords wrote the Orange County Commission stating that some tenants are using the situation as an excuse to not pay. Chip Tatum, CEO of the Apartment Association of Greater Orlando, mentioned that 65% of its members have been in negotiation to pay, while about 27% have been unresponsive or unwilling to work towards a plan.

For the eviction process, normally a three-day notice is taped on the tenant’s front door. If the tenant does not comply within that time, the landlord may file a complaint with the court, in which case the tenant will be served a summons. To get a hearing, the tenant would normally have five days to deposit the owed rent into the court registry. One of the defenses that tenants may utilize revolves around paying this court registry. If a tenant was adversely affected by the pandemic, they may not have to pay this fee. If a tenant can illustrate loss of employment, diminished wages, business income or other monetary loss, then this could work in favor for the tenant. Saving emails from your supervisor, pay stubs or any evidence of collecting unemployment compensation may be helpful, even though unemployment compensation may indicate a tenant’s ability to pay rent.

The lasting Repercussions

Even if the tenant’s case is dismissed, they will still have an eviction filing on their record, which could make funding for housing in the future very difficult. Orange County is working hard to create a diversion program to stave off the tidal wave of evictions, and Mayor Jerry Demings said that a plan is set to be presented to commissioners on Tuesday, August 11th. No details on how the plan will work were given, but in the meantime, landlords and tenants will have to survive in a situation that excludes easy answers. Our recommendation is that you have a plan, and paperwork to provide legal foundation for your plan. When hardship arises and you feel you have been treated unfairly, our lawyers will be there to help.

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uninsured motorist coverage orlando

Why Uninsured Motorist Coverage Can Save You Hardship and Hassle

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One of The Orlando Law Group’s main goals is to help you avoid problems before they happen. We cannot control the possibility of chaos, but we can give you armor so that when the unexpected strikes, you are ready, capable, and protected. We take trends that we are privy to and apply our experience so that you can remain informed.  

Uninsured motorists, or underinsured motorist insurance coverage are both terms that you may have heard of, but many times these products are known without a deep understanding of why they are so necessary and how they can help you. Let us dive into those details and why they matter so much.   

Orlando Drivers Take Note: Uninsured Motorist Coverage  

In Florida, you are required to have anything other than $10,000 for property damage caused to the other person’s vehicle. In addition to that, you are also provided $10,000 of personal injury protection, or what we call PIP. That is considered full coverage in Florida, believe it or not. What does that mean if you are hit by someone who only has that coverage? If you are not carrying uninsured motorist coverage, or underinsured motorist coverage, that means that there is nothing for your medical bills. Your insurance company considers uninsured motorists and underinsured motorists as existing in one group.  

The truth is that those two insurance coverages are different, and we are going to explain a little bit of the differences to help you understand why they should not be considered the same. Uninsured motorist coverage would be an example of a hit-and-run, or a documented accident where you were not at fault.  

Here is an example. You have been in an accident. There is clearly documented evidence that you were not at fault, and the other person is not carrying any bodily injury coverage. Where does that leave you? You then would need to call your insurance company and provide them the information about the accident. If you are carrying uninsured motorist coverage, they would then provide those benefits to you.  

This is extremely important. We run across these policies often, and many times people do not have this coverage. It is heartbreaking to tell them that the person that injured them was not carrying coverage to pay their medical bills, and unfortunately, they also did not elect for uninsured motorist vehicle coverage, so they are left without any way to pay. It is important to understand uninsured motorist coverage because Orlando has a lot of drivers who might be affected, and we do not want you to suffer because you were not informed. The best knowledge is being informed of all your options.   

The Other One: Underinsured Motorist Vehicle Coverage 

Underinsured motorist vehicle coverage is different. For example, consider the possibility that you get hit by another car that only carries $10,000 worth of bodily injury coverage, and you sustain an injury that requires surgery. It is revealed that the surgery far exceeds that amount.  

Once the at-fault policy tenders the $10,000; you would then call your insurance and tell them that you’ve been offered the 10,000 by the other party, and that you have to get their permission to then tap into your underinsured motorist vehicle coverage. Your claim must be worth more than the amount that you were paid by the other party in order to access your underinsured motorist vehicle coverage or UIM.  

This is vital because a lot of people underestimate the medical expenses that can be accrued when you have been in an accident. While you may have assistance with bodily injury, anytime, that may not be good enough. Everyone knows how expensive medical bills can be if they are only carrying $10,000. The cheap option is not the best, and you may have a surgery that is going to cost $100,000. You need help with an expense like that. Policies that protect you from pitfalls we often see are armor to us. They keep us protected and informed, and it is impossible not to care when so many get taken advantage of because they simply did not consider their options before the accident happened.    

If you are looking at your policy and you find that it can be confusing,  and you are thinking to yourself, “I don’t know what else I may need in the future,” we can do a free review of your policy to see what you can do to better protect yourself. Contact us or give us a call at 407-512-4394. We will be happy to help you out.  

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COVID-19 Unemployment

Gig-Workers And COVID-19 Unemployment – What You Need To Know

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COVID-19 Unemployment Assistance for Gig Workers and Freelancers 

Ambiguous statutory language is consistently being clarified to help those affected by the coronavirus pandemic on both the Federal and local levels. So many individuals are asking themselves if they can collect unemployment, and recently it has come to light that app-based drivers, as well as gig workers, are eligible for unemployment benefits. 

According to the federal government, if you are an independent contractor and you have experienced a “significant diminution of work as a direct result of COVID-19,” then you could potentially collect unemployment. These provisions fall under the Pandemic Unemployment Assistance program.

The Department of Labor has been informed that clarity will be necessary when it comes to broad and ambiguous language that could lead to states not offering benefits to contractors that the law was intended to protect. 

COVID-19 Unemployment Insurance Benefits Confusion

However, there is a lot of confusion around who is eligible to collect. One common questions are: do you have to test positive to potentially drawn unemployment? Not necessarily.

The difficulty is due to language in the section states that a nonemployee ride-hailing driver may not be able to gain unemployment unless “He or she has been forced to suspend operations” due to the COVID-19 outbreak. 

There have indeed been “Additional criteria to cover gig workers.” For so many individuals, clarity is going to become power in this situation. If you are a driver and your business has been affected by COVID-19, do you have a chance at qualifying for unemployment? 

There are some companies providing benefits for those affected by COVID-19. If diagnosed with COVID-19, companies like Uber, Instacart, and Door Dash are offering two weeks of financial assistance. Under the criteria used by the ADP Research Institute, one in six workers count as gig workers in the United States.

That equates to more than 25 million Americans. That is a massive percentage of the workforce. And programs are being put into place to alleviate the hardships they are going to experience or have already gone through. 

Florida and COVID-19 Unemployment Benefits for Gig-Workers and the Self-Employed

In terms of Florida, studies have suggested that gig workers and the self-employed make up a fifth of the state’s workforce. Drivers for Lyft and Uber have had some confusion, only because although they do not qualify for typical unemployment benefits given by the state, they do qualify for assistance that is being provided during the pandemic. Getting that assistance has been another story altogether. 

As one would expect, online portals are having trouble shouldering the number of individuals filing for this assistance.

With confusing processes and ambiguous language, there has been a rise in panic for people reaching out for help. One of the essential actions you will take is that of utilizing and having resources that you trust who are dealing with these changes every single day. That is why we are here to help you. 

One of the most significant hardships that individuals are facing is how much time it takes to go through the process to get the assistance that they need. One individual, who is using the name Ted and keeping his last name private to preserve potential job prospects in the future, charted his process.

Ted was attempting to apply for unemployment benefits during coronavirus COVID-19. He has been forced to stay home and could not work due to the quarantine.

Ted was hoping to collect a few weeks of unemployment at the reported rate of $600 per week.

He made over 900 calls in 6 days and was only able to get through when he entered his social security number on the phone. After that, he was told that he would get half the assistance, but another portion would have to be registered for later because the program was not instituted yet. 

Receiving benefits in Florida for Gig-Workers and Freelancers

The truth is that time is not going to be on our side when it comes to the inundation these programs are facing. It is true that, for many families, they need assistance immediately, and the ambiguity does not help them understand if they qualify or not.

As always, we are staying close to every situation, and we want to know the questions that you have. Utilize your allied resources at this time and give us a call if you begin to run into complications or feel that legally you need advice. We are here to help, and we take great pride in the fact that one conversation with us can change your future.

There are no dumb questions during this time, and if you are struggling to understand what to do next, we are here to help you. Call our office right now at (407) 512-4394 and ask to speak with an employment lawyer.

Related article

Child Support Reduction and Suspension During COVID-19

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child support reduction

Child Support Reduction/Suspension During COVID-19

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We at the Orlando Law Group understand that this is an incredibly tumultuous time for the world, a time where feelings of stress and uncertainty often cloud even the most optimistic of views.

If we can provide even a little bit of clarity for not only our clients but those out there dealing with issues of child support with reduced income, we will have done our job. 

What happens if a parent who pays child support has been involuntarily terminated?

In a time where hundreds of thousands of people are being let go from their jobs, thus losing their steady stream of income, the Courts look to a party’s individual circumstances to determine whether or not their child support obligation should be temporarily suspended. 

Temporary relief from child support is possible where the paying parent has been involuntarily terminated, he/she has searched thoroughly for a new job, the paying parent has depleted their assets, and their unemployment benefits have expired. 

Such relief may also be possible where there has been a significant, permanent reduction in income. If, however, the reduction is only temporary, the courts ultimately have the power to suspend payments.

It is important to note that a parent who is temporarily unemployed may not be subject to contempt proceedings for failure to make child support payments, based on the fact that the unemployment is the root cause of his/her inability to pay.

Additionally, Courts hold that a parent’s temporary relief from child support payments shall only be effective during the time in which it was reasonably necessary for them to gain employment.  You have to file a Motion to reduce child support right away and try to get a hearing because all obligations will keep being due until the obligation is reduced.

In the event that you had money coming out of a paycheck and you do not work at that company any longer, the Department of Revenue can suspend your license or pursue you for not paying.  We hope they will slow this process during this time, but you still have to be proactive as failure to pay can result in license suspension and in the worst-case scenario jail.  

Quire often, Judges are understanding, but they prefer when people are proactive. 

What happens to payment of back child support?

Where the loss of the paying parent’s job is definite and the court has temporarily reduced the paying parent’s child support, they shall not be required to pay any amounts that are owed (arrearages), if they are currently making the reduced child support payments ordered by the Court. 

Again, you need a court order to reduce the amount of support.

What happens if a parent is voluntarily unemployed?

Where a paying parent has created circumstances that a Court believes may amount to voluntary unemployment, the court may impute income (assign an income amount for the parent) sufficient to continue the current child support payments.

A modification of child support may be done by the court to reflect payments the parent could make if he/she was not voluntarily employed. 

Therefore, if you are a parent that has made an exhaustive effort to seek employment and are truly struggling to pay your current child support amount, the court may have the ability to temporarily suspend or reduce such payments until you are reemployed.

It is important to understand that a parent’s obligation to support their child terminates at death, so the temporary suspension of such support will only be granted if the Court finds it absolutely necessary.

In conclusion, if you have any questions regarding your child support payments, or if you need assistance with temporarily suspending them, please do not hesitate to contact a family law attorney at The Orlando Law Group at 407.512.4394 to schedule a consultation today. 

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Title Insurance Truth or Dare…featuring RON

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Okay, it’s time for some truth serum. The Title Insurance Industry is a business that is continually evolving. Real Estate Agents must deal with title companies, and their clients get title insurance on every transaction they handle. While we socially distance ourselves due to the Coronavirus, it’s a perfect time to level up what we do and how we do it. There may be a thousand ways everyone else accomplishes a task, but the way you’re going to stand out and innovate is by finding that one way that no one thought about.

In this article, we will be diving into the truths that have prevailed within the business of Title Insurance. We will also look at how to be daring enough to use them to your advantage. 

If you work as a Real Estate Agent, in the field of Title Insurance, or are simply an entrepreneur looking to create some innovative tactics while you’re at home staying socially distant, you’ll find something useful. You will be challenged, and each of our truths is partnered with a dare for you to try out. Take a scientific approach and grow through experimentation. We will say this: to the daring always go the spoils. 

  1. Truth: Good Communication is Key – This might seem simple, but anyone who has worked in Title will understand that it’s those who communicate well that stay in the game. Communication is all about being thorough, and at the same time caring about who you’re working with. We dare you to get to know everyone involved, that way you can be completely aware of any situation that might arise. Having systems and processes in place to make sure you’re following procedures is just the beginning. Information is vital, and although text can be the easiest way to expedite responses, nothing beats a good conversation over the phone or in person. Right now, due to the Coronavirus, even avenues like Zoom are a better way for someone to see your face without having to be in the same room.
  2. Truth: Set Expectations and Have Checklists – So many individuals have to work from home right now because of COVID-19. Without checklists and working documents, that can be difficult. Working documents are real weapons in business. Checklists keep order to what can quickly become a chaotic process. We dare you to have templates on your computer of checklists, and we double dare you to print them off! There’s no better feeling than being able to check off a box and look at your checklist, knowing everything has been completed. Also, save some room for custom points you can add that the clients specifically want or need taken care of. Working documents are made to be worked on and evolved.
  3. Truth: Get to know RON – What is RON? Who is RON? Is he Harry Potter’s best friend? Yes, but not this RON. You are probably curious as to how notarization is going to work during the COVID-19, socially distant world we’re experiencing. RON or Remote Online Notarization is going to become your best friend in this scenario, and especially as we have to stay distant to flatten the curve of this virus. Taking advantage of technology can be arduous, but it’s always worth it eventually. We dare you to try new avenues of technology that make your job that much easier. Work with a title company that is taking advantage of RON (we are)!
  4. Truth: Create Your Special Recipe – This is something that requires a little bit of creative work. Create something unique that only you do as a Realtor, Title Agent, or business entrepreneur. This could be a gift that you present at the end; it could be a program where you follow up after the closing has taken place, or it could be a special place you take everyone for lunch once the victory has been achieved. Even if you can’t take them to lunch because of COVID-19, perhaps a Zoom happy hour where you can speak about the future and celebrate the transaction completed will be perfect. The point is to make them feel like this particular action is unique to your business (hopefully it is). We dare you to make it as personal as possible. It’ll help you stand out, as well as build strong ties with those that you do business with.

We work with a vast array of agents, and just like Real Estate and Law, The Title Insurance Industry is dependent upon the Title worker. It’s all about the level that you want to achieve, and we want to encourage you always to have the mindset of leveling up what you do.  

Seek out your truths and the truths that others have discovered and dare yourself to try new things. Right now, everyone has to adopt new strategies and plan because of how the virus has changed our daily lives. We must remain hopeful. Innovate, recalibrate, and formulate processes that both take inspiration from your heroes and make you an inspiration for others. When it’s all said and done, add your flourish, and dare the world to do the same.

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Estate Planning: The Will to Plan Now Makes for an Optimistic Tomorrow

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During this time, we’ve been focusing on ways that we can help you feel safe, confident, and connected despite the difficulties so many are experiencing. We know that, for many individuals, the only way to combat uncertainty is by taking care of the things you can control. That’s why we believe that a Will is actual mental medicine for your tomorrow.

It’s the best way to know that your assets are protected and that your legacy will continue the way you want it to. The good news is that, even if you do not feel comfortable coming into our office, we can handle the process completely online using an online notary.

We have had a massive influx of these clients in the past week, and each one has helped us understand that right now, planning is giving them a sense of calm about their present and their future. This overall sense of settled is something that is hard to come by right now, and we are so grateful to help families and individuals get these forms in order.

You can call through video chat, which has now become the standard means of communication around the world, and we will take you through each step and follow our thorough approach to getting everything you need communicated and taken care of with the help of RON (Remote Online Notarization).

Below, you will find three benefits of getting these forms completed with our assistance. Right now, it’s about the control we can have over our future. We don’t know what tomorrow may bring, but with a Will and a plan, we know that we have some control over what the future holds in store.

Three Benefits to Getting a Will Completed Today:  

  1. Peace of Mind – There are a few things in our world that are priceless. One of them is peace of mind. For many of us, stress holds space in our minds unless we plan a way to add some control to our future.
  2. Healthcare Assistance – Knowing that you have the specific people designated to make Healthcare decisions and having them aware adds a level of comfort to any situation.
  3. Avoiding Conflict Between Family Members – By having everything in order, you avoid any potential conflict that might arise. You want your family to be able to focus on grieving, not making difficult decisions.

Another aspect of estate planning that helps you feel confident is the employment of Healthcare Directives. The Healthcare Surrogate Form gives your agent the authority to make healthcare decisions for you. If a doctor finds you mentally incapacitated, these forms will be vital to making decisions about your health.

We cannot stress the fact that these forms protect you and your family from unwanted stress, conflict, and complications. Below, you will find three concrete reasons why Healthcare Directives work in your favor. 

Estate Planning: Three Ways Healthcare Directives Help You: 

  1. Worry Less – When you’re sick, you don’t have to worry about making any financial decisions. At any point, if you needed someone to help you with making those decisions, they can do that. 
  2. Less Limits – People aren’t being allowed into hospitals at this time unless they are sick. This can complicate measures, and by having structures and documents already in place, you don’t have to scramble last minute, which can add to your worry.  
  3. Better Systems – Stress can create sickness. Getting these documents in place can diminish your stress at a time where stress feels like a constant state of being. There are aspects of the future that we can’t control, but this is something you can, and the comfort of control truly helps your immune system stay strong.

A Will was built to allow you to have the most control over your legacy. It is just as much about you preserving your goals for your assets as it is about allowing there to be no conflict between loved ones in the event of your passing. It brings our clients great comfort to have these documents in place, and we feel it is our honor to give them a tomorrow they can enjoy more and worry less about.

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divorce during coronavirus

The Truth About Getting a Divorce During Coronavirus

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If you are thinking about or searching for information on getting a divorce during coronavirus, this article is written for you. In reality, getting a divorce during a pandemic that has closed down many businesses and brought normal life to a halt can seem overwhelming.

You are probably weighing many options. Should you wait until the coronavirus lockdown passes before you proceed with a divorce? If you and your spouse are living together, what arrangements need to be made while we are on a stay-at-home order?

For those with children, how can you successfully co-parent during coronavirus or COVID-19 restrictions? Is your mental health at risk while being confined and a divorce is the only clear path to healing? While there are no easy answers to those questions and your individual situation plays a large role in your next steps, here are some guidelines.

The divorce lawyers who focus on family law at the Orlando Law Group report that the divorce rate during any type of crisis tends to go up. Divorce during coronavirus is no different and we are already seeing increasing numbers of phone calls and communications from people who are interested in filing for divorce.

The truth is, divorce is an aspect of life and when there is the added stress of a trying situation, like that during a global pandemic, it shines a spotlight on the existing problems. Being restricted with family members and your significant other from leaving that house places many people in a stressful environment. In your home, social distance can only go so far.

If you and your spouse already were not getting along and divorce was in the conversation, being together without a break can exacerbate the situation. If it is insurmountable, the only logical move would be to take the next step towards a divorce.

Some situations are more urgent. If there is physical or mental abuse, moving forward quickly might be a necessity. There are different levels and classifications of abuse. If you are being physically harmed by your spouse or if you live with a narcissist who mentally abuses you, life with restrictions of social interaction outside the home can become intolerable.

In these cases getting a divorce in general needs to be accelerated, and getting a divorce during coronavirus should happen as quickly as possible so that you can be removed from the abusive situation.

How can you move forward with a divorce during coronavirus pandemic?

The global pandemic is shaping our lives in a very dynamic way. It seems that every day we get new information from our state government and the White House. We need to be mindful that what is true today, might not be so tomorrow.

If you are in a position where you want or need to file for divorce dung COVID-19 and coronavirus, you have the right to do so. The Orlando Law Group has been deemed an “essential” business during the stay-at-home order and we are continuing operations from our offices.

We can start the divorce process over the phone or over a video conference. Our offices are being cleaned with the most strict methods and we can even organize for drive-up legal and notary services in our parking lots for your social distancing convenience.

Ultimately, getting a divorce during coronavirus is a bit more difficult than during times without pandemic regulations, but that’s why we are here. We help our clients through the most difficult times.

The first step is to reach out and contact or call us. We’ll guide you from there.

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Coronavirus Evictions

CORONAVIRUS EVICTIONS: Being Aware of Potential Pitfalls

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With the State of Florida enacting a mandatory stay home order in effect as of 12:01 AM, Friday morning, we have been speaking with many landlords and tenants regarding what rights they have during this trying time. The coronavirus outbreak has brought many business issues to light.

On one hand, many businesses have shut down during this time, leaving many tenants without the income source they survive on.

These tenants want to know whether they are at risk of being kicked on the street. On the other hand, landlords are still required to pay any mortgages and other expenses that they owe on the house. Many landlords cannot afford to keep their rental houses without the income they generate. What has the State of Florida said?

Attempts to Stop Coronvirus Evictions

While many politicians would like to halt evictions and have urged the Governor to impose a statewide moratorium on evictions, as of today the State of Florida has not officially issued any such order. Currently, each county is at the discretion to enter their own orders restricting court access and filings.

For example, Seminole, Brevard, and Osceola counties have suspended evictions until April 15. Orange County has suspended evictions through April 17. Without a statewide order, you need to be aware of what orders have been passed in the county you reside in. 

Meanwhile, the Florida Supreme Court has issued the following Administrative Order, “given the exigencies of the public health emergency, the requirement in Florida Rule of Civil Procedure 1.580(a) for the clerk to issue a writ of possession “forthwith” shall be suspended through the close of business on Friday, April 17, 2020, or as provided by subsequent order.” https://www.floridasupremecourt.org/content/download/632431/7186205/AOSC20-17.pdf.

What this means is that the State of Florida is not currently requiring counties to follow the eviction process under the Florida Statutes. However, this order only suspends the requirementfor a Clerk of Court to issue the Writ of Possession, it does not suspend or prohibit a county’s ability to enter such a writ.

Without a State ordered mandate, each county is left to decide what is best for their residents. If you are a tenant, should you be worried about being evicted if you are unable to pay the rent during the COVID-19 scare? Likely not, but until the State of Florida puts forth a statewide mandate, it is dependent on the county you live in and there is not a set answer at this time.

What To Do About Rent During The Coronavirus Pandemic

Even though your landlord may not be able to evict you at this time, that does not necessarily mean you will not be liable for the rent payment during this period. It is going to be interesting to see how this plays out from a landlord-tenant perspective because a situation like this has never occurred during our lifetimes. Most likely the tenant will be responsible for the missed rent because the relationship is governed by the lease between the parties.

One question that is raised is whether the landlord will be able to file for eviction immediately after the virus threat is over, or whether the tenant will have a period of leniency in which to make payments to the landlord for the back rent. Without a steady source of income, many tenants will not be able to make a lump-sum payment of past due rent, and many tenants may not be able to climb out of the hole at all.

With the uncertainty caused by the coronavirus pandemic and the risk of the virus spreading if tenants are thrown onto the street, the State of Florida will likely enter an order shortly that sets clear precedence for how the landlord/tenant relationship will be handled during this time. 

The potential pitfalls created by this virus will hopefully be addressed by an Order put forth from the State of Florida. As always, we will remain apprised to the situation in order to be your source for navigating any changes that happen.

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stimulus-check

Before You Pay Your Bills with your Stimulus Check…Read This…

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With times of uncertainty come all new ways of protecting your future, and there are many individuals out there who will be receiving a stimulus check that they can put towards oh so many provisions. We want to caution you on planning without speaking with one of our Lead Attorneys: Sophia Dean. She specializes in helping your money go the farthest, to get you in the best situation moving forward.

Depending on what your situations is, there could be two potential uses of your stimulus money. It could be used to provide some relief towards your debt, or it could be used to buy necessities. Of course, without a plan, usually money gets spent; however, we want to encourage you to reach out to us to have a conversation if you’re not sure about the future and how to spend that money.

Below, you will find some ways in which Stimulus Check money will most likely be utilized:

  1. Basic Needs: This is a time in which you must take care of yourself, and if you absolutely need to spend that money, then supplies are your priority.
  2. Put It Towards Your Taxes: The government has extended the deadline to pay taxes back to July 15th  
  3. Use it to Strengthen Your Emergency Fund: You can use your check towards making your emergency savings stronger.
  4. Investing It: Investments, especially in Real Estate, are how individuals find the arbitrage of passive income.
  5. Lower Your Student Debt: With interest payments suspended, you can make payments towards the premium. Lowering your principal balance could mean smaller interest payments once interest rates are put back into place.
  6. Paying off debts: If the amount owed in debt is not significant, this might be the right move, but not always.

When it comes to money, we always recommend planning over anything else. Having a focused roadmap to success takes a team, and we are here to help you navigate these uncertain times. For us, we believe that our experiences translate to advantages and victories for you. We want you to utilize the fact that we have encountered  many situations, and that every single one has taught us something new. The commonality between them all is that ideas in a vacuum are less powerful than ones formulated using a team. The adage: “Two heads are better than one,” remains true, especially in finance.

So before you pay your debts with your Stimulus Check, consult with us. All it takes is one new conversation, one new plan, and someone that has your best interest in mind and that works within the legal system every single day. That’s us, and we promise that we will do our best to never steer you wrong.   

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coronavirus

Coronavirus: New Laws Will Accommodate Families

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We are consistently here to provide you with information that can help you navigate this difficult time. 

Below, we are going to discuss acts that are being expanded. 

These laws provide coverage, especially to those who must be out of work due to health-related issues.

Keep in mind that you always want to consult a lawyer about every legal decision, and with things changing by the day, we understand that information is power. Below, we will detail the Emergency Family and Medical Leave Expansion Act, and the potential changes could help you get the most out of your job while staying healthy and protected during the pandemic.

Expanded Coverage and Eligibility – The Act significantly amends and expands FMLA on a temporary basis. The current employee threshold for FMLA coverage would change from only covering employers with 50 or more employees to instead covering those employers with fewer than 500 employees. 

It also lowers the eligibility requirement such that any employee who has worked for the employer for at least 30 days before the designated leave may be eligible to receive paid family and medical leave. As a result, thousands of employers not previously subject to the FMLA may be required to provide job-protected leave to employees for a COVID-19 coronavirus-designated reason. 

However, the Act now includes language allowing the Secretary of Labor to exclude healthcare providers and emergency responders from the definition of employees.

These occupations are allowed to take such leave. The Act also appears to exempt small businesses with fewer than 50 employees if the required leave would jeopardize the viability of their business. 

Reasons for Emergency Leave – Any individual employed by the employer for at least 30 days (before the first day of leave) may take up to 12 weeks of job-protected leave to allow an employee, who is unable to work or telework, to care for the employee’s child (under 18 years of age). 

If the child’s school or place of care is closed or the childcare provider is unavailable due to a public health emergency. This is now the only qualifying need for Emergency FMLA and a significant change from the prior version of the bill passed by the House over the weekend, which contained several other COVID-19-related reasons to provide Emergency FMLA.

Paid Leave – Another significant change from the prior version passed from the House is the reduction of the unpaid period of Emergency FMLA. Now, the first ten days (rather than 14 days) of Emergency FMLA may be unpaid. 

During these ten days, an employee may elect to substitute any accrued paid leave (like a vacation or sick leave) to cover some or all of the 10-day unpaid period. 

After the ten days, the employer generally must pay full-time employees at two-thirds the employee’s regular rate for the number of hours the employee would otherwise be regularly scheduled. 

The new Act now limits this pay entitlement to $200 per day and $10,000 in the aggregate per employee. 

Calculating Pay for Non-Full Time Employees – Employees who work a part-time or irregular schedule are entitled to be paid based on the average number of hours the employee worked for the six months before taking Emergency FMLA. 

Employees who have worked for less than six months before leave are entitled to the employee’s reasonable expectation at the hiring of the average number of hours the employee would generally be scheduled to work. 

Job Restoration – Employers with 25 or more employees will have the same obligation as under traditional FMLA to return any employee who has taken Emergency FMLA to the same or equivalent position upon the return to work. 

However, employers with fewer than 25 employees are generally excluded from this requirement if the employee’s position no longer exists following the Emergency FMLA leave due to an economic downtown or other circumstances caused by a public health emergency during the period of Emergency FMLA. 

This exclusion is subject to the employer making reasonable attempts to return the employee to an equivalent position and requires an employer to make efforts to return the employee to work for up to a year following the employee’s leave.

Effective Date and Expiration – The president signed the legislation on the evening of March 18, which means the leave provisions will go into effect on April 2.

There are different portions of this Act that we will discuss in the future. What does it all mean for you? It means that you could potentially be entitled to benefits that weren’t available before. 

As always, if you have questions, we are here to help and disseminate information that may apply to your current situation. Do not hesitate to reach out. We are committed to consistently being your source for knowledge and how the laws are changing to help you. 

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[Alert] Families First Coronavirus Response Act

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The Orlando Law Group has summarized the details of the Families First Coronavirus Response Act.

Overview

  • President Donald Trump signed an emergency bill on Wednesday, March 18, 2020 to expand family and medical leave. According to various media reports, the bill guarantees paid sick leave for certain U.S. workers, including those employed by private entities or individuals who employ fewer than 500 employees.
  • The U.S. Senate passed the bill, titled the Families First Coronavirus Response Act, by a 90-8 vote.
  • The bill takes effect April 2, 2020, and it will end on Dec. 31, 2020.
  • If you would like to speak to a lawyer about this information, please call The Orlando Law Group at (407) 512-4394.

You can view the details in a downloadable PDF below:

ALERT: Families First Coronavirus Response Act. [PDF]

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Working From Home

How To Crush Your Job Working From Home. By Someone who Has for 15 Years.

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[Guest Article] Editorial note: This article is written during the coronavirus pandemic of 2020. Many companies are having their employees work from home while coronavirus works its course.

So here you are faced with the option or requirement to start working from home. Whatever the reason, you’ve got a lot of thinking to do. Working from home can be a daunting change of pace for many people. 

It’s quite different working from home. There’s a lot of consistency when you work in an office or regular place of business. Not so much at home. Some people live alone, while others have five other humans living with them. It’s fluid and dynamic, and every home has a unique environment and set of distractions.

Hi, I’m Chris, and for the last 20 years, I’ve run an Internet Marketing business. When I lived in New England, I had an office. It was cool, and I liked going there every day. But, after a while, I started working from home, and I found that I could be a thousand times more productive doing so.

That’s when I made the switch to permanently working from home. Over that time, I’ve learned a lot about what it takes to be incredibly productive working in the same place you sleep. So, stick with me here, and I’ll share with you my favorite tips for working from home.

Structure is Critical

There’s no denying that you can easily fall into a non-productivity chasm when you work from home. Distractions are everywhere you turn, and you are literally in the place where you most often chill out. 

So, you need to establish some clear structure into your day. Determine what hours you’ll be working, write them down or put them in your calendar or planner and stick to it. When it’s time to work, everything else gets put away. 

Focusing on structure and sticking to a schedule will help you mentally transition from being at home to being at work.

There’s also a benefit at the far end of a structured work-from-home workday. That is when your schedule for the day is over, you put the work away, and you resume your non-work activities.

Get Dressed For Work

No kidding on this one. Getting dressed like you are going to work will help you mentally transition into your workday. 

Staying in your sweats or that mumu you got from Wish will keep your mind in chill-out mode, and you will more easily become distracted. 

So, get in the habit of dressing for work.

Bonus tip: It’s easy to forget to shower when you work from home. Make a point of taking that shower in the morning before you “go to work.” You’ll thank me.

If You Are Doing Video Conferencing

There are few things more frustrating than trying to do a video conference and to have the other party complain that your video keeps freezing.

When it’s time to do that critical video conference, I recommend turning off any other device that might be using your internet connection. Make sure no one is watching Netflix or downloading large files during your call.

Often, I will not rely on my wifi and will instead connect a network cable from my laptop right into my home router to make sure I get the best speed possible.

If You Are Screen Sharing

Screen sharing is commonplace in virtual meetings. If you plan on sharing your screen, it’s a good idea to look at every open program. Make sure that whoever is looking at your screen doesn’t inadvertently see something that might be embarrassing to you, like a browser tab with your favorite K-pop video playing.

Silence!

In my house, there are sometimes four children, my wife, and my dog trying to live their lives while I work. After so many years of doing this, everyone usually works well together when I need quiet time for phone calls. Usually.

Then there are the times when, no matter how nicely I ask, there’s noise. While I don’t have to use this tactic often, there are times when you’ll find me in isolated silence in the back seat of my car. In my garage. 

The point here is, you have to be respectful to your clients or co-workers when you are on a call. Sometimes, you have to do whatever it takes.

The First Hour

If I were limited to only giving you a single tip, it would be this one. 

The first hour is the “rutter that steers the ship for your entire day.”

When you sit down to work for your first hour, get right to work. And I mean right to work. Stay off social media, don’t check your email, forget Pinterest. Get directly to work for a solid hour. 

I even suggest skipping your morning coffee and getting immediately to work for a focused hour. Then, after you bust out an hour of work, break. Make coffee, and get back to work. 

Nothing will make you more productive for the rest of the day than powering through as much quality work in the first hour. 

If instead, you sit down, sip coffee, and aimlessly scroll through social media, that’s what you’ll end up doing for hours. You’ll lose all steam, and your day will fall into a Facebook abyss. 

So, don’t do that. Focus and get to work.

Remember, You Are Not Alone

Many people struggle to get used to working from home. That’s easy to understand. It’s a dramatic change. 

Remember, you are not alone. Others are making the same switch and going through the same challenges. Make sure you keep lines of communication open with your co-workers and managers. Let them know how you are feeling and leverage all the resources you have available to make sure your working-from-home is successful.

Christopher Prouty is the founder of NineTwice, a Search Engine Optimization and Search Marketing company. He has clients around the world and has worked from home for over 15 years. He does not own a mumu.

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Jennifer Englert

Five Things I’ve Learned in 10 Years

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This month we celebrate the tenth anniversary of The Orlando Law Group.

On August 8, 2009, I took a leap of faith that the Central Florida region would benefit from a law firm that puts people first and cares deeply about the community. We knew our clients wanted a firm staffed with attorneys who precisely focus on all areas of law.

Back then, I had a small office with two lawyers and no support staff. When I started up, the firm was agile, focused on growth and service, and I knew that what we had to offer could dramatically change many of our clients’ lives for the better.

Now, a decade later, I’ve seen a lot of change and have learned quite a bit along the way. As I reflect, there are five things I have learned that stand out.

  1. The law is continually evolving. Like many industries, the legal world is subject to change and improvement over time. New laws are created, and we are responsible for understanding the fine details on how they affect our clients. Sometimes these laws are only small changes to existing laws and other times entirely new laws are put into place, like the current bill filed with the state of Florida to decriminalize marijuana. What makes us successful is our ability to learn these new laws and understand how they apply to current and future clients.
  2. Our clients’ needs have become more complex. The practice of law is exciting in that there are so many different legal areas. Over the past ten years, it’s become clear that it is impossible to draw definitive boundaries around each practice. So many times we have to take into account several areas of law when we work with a client. Family Law, for example, can stretch into business law and estate planning quite easily. As a firm, my team’s ability to be nimble and creative is a tremendous asset. We are able to look at the big picture for a client and provide them with a complete solution, even when their needs span multiple areas of law.
  3. A dedication to the community is critical. If any new business owner were to ask me for advice on how to be successful, I’d tell them that being an active member of the community is very important — the communities in which we serve benefit in countless ways when business get involved. As business owners, we have the experience to think critically about solving problems, we can assemble teams to accomplish great things, and we can inspire others to do the same. From the beginning, The Orlando Law Group has made community involvement and service a hallmark of how our firm operates.
  4. Surround yourself with positive, uplifting people. There’s a saying that suggests that you are influenced more by the people you surround yourself with than by any other source. I believe it. From the beginning, I’ve always found that when I work, socialize, and volunteer with people who have a positive and uplifting attitude, we accomplish more, and every outcome is rewarding. I encourage everyone to seek out the positive people in their lives and simply spend time with them. Their spirit is contagious and can affect you in profound ways.
  5. Set big goals and work tirelessly towards them. After a decade, my firm has grown to five offices with two dozen employees. My goals are substantial, and they get bigger all the time. When you set big goals and make a strategic plan to achieve those goals, amazing things happen. I truly love what I do. It’s my purpose in life, and that is why I work so hard to help as many people as possible. It’s not about how many offices we have or how many employees come to work every day. What matters most is that we have a positive impact on the lives of our clients.

I am fiercely proud to be celebrating our 10th anniversary today. In some ways, it feels like just a few moments have past and in others a lifetime. I do know this; we continue to be agile and aggressive. We continue to work with endless dedication to our clients. And while we celebrate ten years of serving our clients and our community, we are now focused on the next ten. 2029, here we come.

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© 2020 The Orlando Law Group.