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The Florida Bar states “Probate administration only applies to probate assets. Probate assets are those assets that the decedent owned in his or her sole name at death, or that were owned by the decedent and one or more co-owners and lacked a provision for automatic succession of ownership at death.

For example:

    • A bank account or investment account in the sole name of a decedent is a probate asset, but a bank account or investment account owned by the decedent and payable on death or transferable on death to another, or held jointly with rights of survivorship with another, is not a probate asset.
    • A life insurance policy, annuity contract or individual retirement account that is payable to a specific beneficiary is not a probate asset, but a life insurance policy, annuity contract or individual retirement account payable to the decedent’s estate is a probate asset.
    • Real estate titled in the sole name of the decedent, or in the name of the decedent and another person as tenants in common, is a probate asset (unless it is homestead property), but real estate titled in the name of the decedent and one or more other persons as joint tenants with rights of survivorship is not a probate asset.
    • Property owned by husband and wife as tenants by the entirety is not a probate asset on the death of the first spouse to die, but goes automatically to the surviving spouse.

This list is not exclusive, but is intended to be illustrative.”

If the lawyers at Naugle & Smith, P.L. can assist you with any probate question or issue please do not hesitate to contact us at (904)366-2703 or visit our website at www. jaxlawteam.com

 

The Florida Bar states: “A will is a written direction controlling the disposition of property at death. The laws of each state set the formal requirements for a legal will. In Florida:
1. You, the maker of the will (called the testator), must be at least 18 years old.
2. You must be of sound mind at the time you sign your will.
3. Your will must be written.
4. Your will must be witnessed and notarized in the special manner provided by law for wills.
5. It is necessary to follow exactly the formalities required for the execution of a will.
6. To be effective, your will must be proved in and allowed by the probate court.

No will becomes final until the death of the testator, and it may be changed or added to by the testator by drawing a new will or by a “codicil,” which is simply an addition or amendment executed with the same formalities of a will. A will’s terms cannot be changed by writing something in or crossing something out after the will is executed. In fact, writing on the will after its execution may invalidate part of the will or all of it.”

If the attorneys at Naugle & Smith can help you with the preparation of a Last Will and Testament please do not hesitate to contact us at (904)366-2703 or at knaugle@jaxlawteam.com, or visit our website at www.jaxlawteam.com. Thank you.

 

The Florida Bar States: “When a person pays to live in a house, apartment or mobile home—whether payment is made weekly, monthly, or at other regular periods and whether the apartment or house or mobile home is rented from a private person, a corporation, or most governmental units – this is true even when this is no written “lease” agreement- the renter becomes a tenant governed by Florida law.

A tenant has certain basic rights protected by Florida law, which the landlord must observe. Of course, the tenant also has certain responsibilities.

The tenant’s rights are specified in the Florida Statutes at chapter 83 part 2. A tenant in public housing has rights under federal law, as well. If there is no written lease, these laws regulate the tenant’s rights. There may also be a written lease which could affect a tenant’s rights. If there is a written lease, it should be carefully reviewed. The Landlord-Tenant Law prevails over what the lease says.

A tenant is entitled to the right of private, peaceful possession of the dwelling. Once rented, the dwelling is the tenant’s to lawfully use. The landlord may only enter the dwelling in order to inspect the premises or to make necessary or agreed repairs, but only if he or she first gives the tenant reasonable notice and comes at a convenient time. If an emergency exists, the requirement for notice may be shortened or waived.

The landlord is required to rent a dwelling that is fit to be lived in. It must have working plumbing, hot water and heating, be structurally sound and have reasonable security, including working and locking doors and windows, and it must be free of pests. The landlord must also comply with local health, building and safety codes. If the landlord has to make repairs to comply, the landlord must pay.

If the landlord claims the tenant has violated the rental agreement, he or she must inform the tenant in writing of the specific problem and give the tenant time to correct the problem–even if the problem is non-payment of rent–before the landlord can go to court to have the tenant removed. If the tenant commits a serious act endangering the property (such as committing a crime on the premises) or the tenant fails to correct a problem after written notice from the landlord, the landlord must still go to court to be permitted to evict the tenant. In any court proceeding, the tenant has the absolute right to be present, argue his or her case and be represented by an attorney.

If the landlord requires the tenant to pay a security deposit, the landlord must preserve the deposit during the tenancy. In addition, the landlord must return the full amount of the deposit within (15) days after the tenant leaves the dwelling or give the tenant written notice of why some or all of it won’t be returned within thirty (30) days after the tenant leaves the dwelling. The tenant then has the right to object in writing within fifteen (15) days of receipt of the notice. Under some circumstances, the tenant may receive the security deposit plus interest. Before moving out the tenant must provide the landlord with an address for receipt of the security deposit, or else the tenant may lose the right to object if the landlord claims the right to keep the deposit money.

The tenant has the right, under certain very aggravated circumstances caused by the landlord’s neglect, to withhold rent. This can only be done when the landlord fails to comply with an important responsibility, such as providing a safe and habitable home in compliance with local housing codes. Before rent is withheld, the tenant must give the landlord seven (7) days written notice of the problem so the landlord can fix it. Even after withholding rent, the tenant should preserve the money and seek court permission to spend part of it to do what the landlord should have done. If the tenant does not preserve the money and seek court assistance, the tenant may be evicted for nonpayment.

Finally, the tenant has the right to move out. If there is a written lease, the tenant can move out when a written lease is up. If there is no written lease, the tenant may move out for no reason by giving written notice of his or her intent to leave no less than seven (7) days before the next rent payment is due if the rent is paid weekly or fifteen (15) days if the rent is paid monthly. The tenant may terminate the rental agreement if the landlord has failed to live up to one of his or her major obligations, provided the tenant has sent written notice to the landlord, seven (7) days before the rent is due (there are some exceptions to the right to move out).

If a landlord loses in court, the landlord may be held liable for any costs and attorney’s fees incurred by the tenant. If the tenant loses in court, the tenant may be liable for the landlord’s costs and attorney’s fees.

A tenant also has responsibilities, which if not observed can lead to eviction. The tenant must pay the agreed upon rent and do so on time. The tenant must comply with building, housing and health codes. The tenant must maintain the dwelling without damage, keep the dwelling clean, and maintain the plumbing. The tenant must not violate the law or disturb the peace, nor allow guests to do so.

In trying to evict a tenant, a landlord will try to prove the tenant violated a tenant responsibility. However, the landlord may not seek to evict a tenant in retaliation for legitimate complaints about housing conditions to proper authorities. No eviction can occur, though, until the landlord first gives the tenant notice of the problem, and then gets a court order. Without the court order, the landlord has no power to interfere with the tenant. The landlord cannot, for instance, lock a tenant out or cutoff tenant’s utilities. A landlord engaging in this type of prohibited practice may be liable to the tenant for damages in the amount of three months rent or actual damages whichever is higher. The landlord must get a court order of eviction before he or she can interfere with the tenant’s occupancy. If a tenant is served with papers seeking eviction, the tenant should immediately seek legal assistance. The tenant may have legal defenses. For instance, the landlord cannot try to get even with a tenant by evicting him or her when the tenant has not violated tenant responsibilities. To raise defenses in an eviction proceeding, a tenant normally must pay into the court registry past due rent if any is owed and rent which comes due during the proceeding. If the tenant disputes the amount of rent claimed to be due, he or she may ask the court to determine the correct amount, but the tenant must show why he or she believes the amount is wrong. In an eviction proceeding, a tenant has very little time to respond, so quick action is extremely important.

The landlord can never remove the tenant’s property or lock the tenant out. Only the sheriff’s office may do this after a Court Order and Writ of Possession.”

If we can be of assistance to you as a landlord or tenant with legal matter in either a commercial or residential setting please feel free to contact us at (904)366-2703 or go to our website at www.jaxlawteam.com

 

The Florida Bar States:

“Probate is a court-supervised process for identifying and gathering the assets of a deceased person (decedent), paying the decedent’s debts, and distributing the decedent’s assets to his or her beneficiaries. In general, the decedent’s assets are used first to pay the cost of the probate proceeding, then are used to pay the decedent’s outstanding debts, and the remainder is distributed to the decedent’s beneficiaries. The Florida Probate Code is found in Chapters 731 through 735 of the Florida Statutes and the rules governing Florida probate proceedings are found in the Florida Probate Rules, Part I and Part II (Rules 5.010-5.530).

There are two types of probate administration under Florida law: formal administration and summary administration. This pamphlet will primarily discuss formal administration.

There is also a non-court supervised administration proceeding called “Disposition of Personal Property Without Administration.” This type of administration only applies in limited circumstances.”

If our firm can assist you in any way with probate issues in Florida please feel free to call us at (904) 366-2703 or contact Katherine Naugle at knaugle@jaxlawteam.com

 

The Florida Bar states: “The decedent’s surviving spouse and children may be entitled to receive probate assets from the decedent’s probate estate, even if the decedent’s will gives them nothing. Florida law protects the decedent’s surviving spouse and certain surviving children from total disinheritance.

For example, a surviving spouse may have rights in the decedent’s homestead real property. A surviving spouse may also have the right to come forward to claim an “elective share” from the decedent’s probate estate. The elective share is, generally speaking, 30% of all of the decedent’s assets, including any assets that are non-probate assets. A surviving spouse and/or the decedent’s children may also have the right to a family allowance to provide them with funds prior to final distribution of the estate assets, and rights in exempt property that will be paid to them instead of to creditors in satisfaction of claims against the probate estate. It is important to note that a spouse may waive his or her rights to an elective share, family allowance, and/or exempt property in a valid pre-marital or post-marital agreement.

In addition, if the decedent married, or had children, after the date of the decedent’s last will, and if the decedent neglected to provide for the new spouse or children, an omitted family member may nevertheless be entitled to a share of the decedent’s probate estate.

The existence and enforcement of these statutory rights requires knowledge about the applicable laws and procedures and is best handled by an attorney. ”

If we at Naugle & Smith, P.L. can assist you with any of these types of issues please do not hesitate to call us at (904)366-2703 or visit our website at www.jaxlawteam.com

 

Consumer Protection in a Minute from the Florida Bar

 Mortgage foreclosure:

Foreclosure is the process in which the lender of mortgage company takes control of the mortgaged property and sells it to raise money to pay on the debt created by the Note. In Florida, mortgage foreclosure is a judicial process. This means it is a lawsuit, similar to other kinds of lawsuits. It is formal and potentially complex.

The point of a judicial foreclosure is for the lender to obtain from the court a judgment in foreclosure, and the right to hold a sale of the mortgaged property. The court is involved in the foreclosure process all the way through.

So, if a borrower feels there is something wrong or improper occurring, he or she can raise those issues within the judicial foreclosure proceeding.

Most people don’t realize that, even after a foreclosed property is sold, they might still owe money to the lender. If the market value of the property is less than the amount owed on the mortgage debt, then the lender can obtain what is called a deficiency judgment for the difference against the original borrower.

Since the foreclosing plaintiff has five years after the foreclosure judgment to even begin pursuing a deficiency judgment, many people who think their mortgage problem is behind them do not realize they have overlooked this serious problem. Florida has the second highest foreclosure rate in the United States. Florida mortgages are heavily upside down and Florida law makes the process of pursuing deficiency judgments quite simple.

So, what should you do to avoid a deficiency judgment? The answer to this question differs widely depending on all the details of your particular situation. The worst possible thing is to do nothing. Be careful! There are many scams which are dangerous and promises that are untrue. You may have options you know nothing about, but as the process moves forward toward foreclosure and then toward deficiency judgment, the options that you may have disappear if you are not careful to preserve them. Careful analysis by a knowledgeable attorney who understands both foreclosure defense and bankruptcy is necessary, to determine and protect your rights.

If we can be of assistance to you with regard to a mortgage foreclosure please do not hesitate to call our office at (904)366-2703 to set up a consultation with one of our attorneys.

 

Jacksonville Women Lawyers Association

Cordially invites you to its March Luncheon

Guest Speaker:

 Valerie Logan

Allstate Financial Specialist

Topic: What is your financial “purse-sonality”

*Allstate has generously donated two designer purses for this event. One purse will be given away through a drawing and the second will be given to the member who brings the most guests*

Noon on Thursday, March 8th at The River Club

 Kindly RSVP by noon on Friday, March 2nd to kate@katemesiclaw.com

$25.00 for members and $28.00 for non-members

 

The Jacksonville Women Lawyers will host a Bachelor/Bachelorette auction to benefit Jacksonville Area Legal Aide on Thursday February 9th, 2012. The event starts at 5:30 pm, with a happy hour from 5:30 to 6:30. The auction starts at 6:30 pm. Tickets are $30.00. For more information please contact Stephanie Harriett at Harriett@coj.net.

 

On Thursday February 9th, 2012 the Jacksonville Women Lawyer’s February luncheon will be held at noon at the River Club. Our guest speaker will be Gari Greenwald, a wardrobe consultant who will speak to us regarding appropriate dressing choices.

 

The Florida Bar states, “In Florida, the trust assets are not protected from the claims of your creditors. During your lifetime the assets in a revocable trust are treated as owned by you, and subject to the claims of your creditor as if you owned them in your personal name. If the trust assets remain in trust after your death, the interests of the beneficiaries may be protected from their creditors by a “spendthrift” provision in the trust agreement. Florida law provides special protection for many types of assets, including assets owned by a husband and wife as “tenants by the entirety.” Consideration should be given to these assets when you decide how to fund your revocable trust. Your attorney can advise you on the types of assets that offer creditor protection and the effect of funding your trust with them.”