Home Equity

Home Equity Loans: The Three-Day Cancellation Rule -- Search: FTC Consumer Alert PDF Version Home Equity Loans: The Three-Day Cancellation Rule If you’re considering applying for a personal loan and using your home to guarantee repayment, you should know that a federal credit law gives you three days to reconsider a signed credit agreement and cancel the deal without penalty. Your "right to rescind" or "right to cancel" is guaranteed by the Truth In Lending Act. You can rescind for any reason but only if you are using your principal residence—whether it is a condominium, mobile home, or house boat—as collateral, not a vacation or second home. Under the right to rescind, you have until midnight of the third business day to cancel the credit transaction. Day one begins after all three of the following occur: you sign the credit contract; you receive a Truth in Lending disclosure form containing certain key information about the credit contract, including the annual percentage rate; finance charge; amount financed; and payment schedule; and you receive two copies of a Truth in Lending notice explaining your right to rescind. For rescission purposes, business days include Saturdays but not Sundays or legal public holidays. For example, if the events listed above take place on a Friday, you have until midnight on the next Tuesday to rescind. During this waiting period, activity related to the contract cannot take place. The creditor may not deliver the money for the loan. If you’re dealing with a home improvement loan, the contractor may not deliver any materials or start work. If you decide to rescind, you must notify the creditor in writing. You may not rescind by telephone or in a face-to-face conversation with the creditor. Your written notice must be mailed, filed for telegraphic transmission, or delivered if by other written means, before midnight of the third business day. If you cancel the contract, the security interest in your home is also cancelled, and you are not liable for any amount, including the finance charge. The creditor has 20 days to return all money or property you paid as part of the transaction and release any security interest in your home. If you received money or property from the creditor, you may retain it until the creditor shows that your home is no longer being used as collateral and returns any money you have paid. Then, you must offer to return the creditor’s money or property. If the creditor does not claim the money or property within 20 days, you may keep it. If you have a bona fide personal financial emergency—such as damage to your home from a storm or other natural disaster—the law allows you to waive your right to rescind and eliminate the three-day period. To waive your right, you must give the creditor your own written statement describing the emergency and stating that you are waiving your right to rescind. The statement must be dated and signed by you and anyone else who shares in ownership of the home. But remember: if you waive your right to rescind, you must go ahead with the transaction. The right to rescind does not apply in all situations when you are using your home for collateral. Among the exceptions are: when you apply for a loan to buy or build your principal residence; when you refinance your loan with the same creditor who holds your loan and you don’t borrow any additional funds; or when a state agency is the creditor for a loan. In these situations, you may have other cancellation rights under state or local law. The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. May 1998

Florida Real Estate Market

Florida personal injury lawyers, real estate attorneys, corporate lawyers - Oppenheim Pilelsky, P.A. What's Hot: NEW: Oppenheim Pilelsky spearheads a $5 billion class action lawsuit against DuPont for failing to warn consumers about Teflon dangers. Click here for more.. Dupont sued over alleged carcinogen Lawsuits filed in S. Florida allege Teflon is linked to cancer S. Fla. law firms to lead Teflon class action For more articles Click Here NEW: Roy Oppenhim discusses the Teflon Class Action lawsuit on NBC-6. Click Here NEW: WSVN-7 covers the Dupont Class Action Lawsuit. Click Here NEW: WPLG-10 covers the Dupont Class Action Lawsuit. Click Here NEW: WPEC-12 covers the Dupont Class Action Lawsuit. Click Here For More TV Stories Click Here Founded more than fifteen years ago by a husband and wife legal team , Oppenheim Pilelsky, PA is uniquely positioned as one of Florida's leading boutique law firms with offices in Ft. Lauderdale and Tampa, serving national, international, and local clients. The firm's old fashioned approach of personalized service has contributed to our expanding family of clients. The Firm's practice areas include personal injurylaw, real estate, commerciallitigation, business related matters, and consumer related class actions. Thefirm is outside general counsel to a myriad of residential and commercial developers,coordinating all legal related matters and is outside counsel to manufacturersof suppliers to big box retailers, coordinating litigation, and handling distributionissues and intellectual property disputes. In addition, the firm is regularlyinvolved with representing clients concerning real estate development and investment. Clients also include professional athletes, elected officials, and high profileFlorida entrepreneurs concerning their business, estate and family matters. TheFirm is particularly media savvy and assembles the finest team of professionalsin the the legal profession and other disciplines for high profile matters. What's New: Recent hurricanes deliver leasing troubles for tenants Roy Oppenheim Comments on the Future of the Millennium Mall. Working more than 40 hours and not getting paid for it, please read Employment claims in Florida . Whistle Blowers in Florida : Over the past several years the firm has been proud to represent a number of whistle blowers in connection with high profile related companies and industries. New Whistleblower protection under Federal Law! Roy Oppenheim discusses the South Florida Real Estate Market on the WPBT-Channel 2 program "Issues." Roy Oppenheim discusses the Florida Homeowners' Construction Recovery Fund High Bandwidth Version Low Bandwidth Version Roy Oppenheim discusses Medical Malpractice Crisis. High Bandwidth Version Low Bandwidth Version Roy Oppenheim discusses Medical Malpractice Crisis. High Bandwidth Version Low Bandwidth Version Recent hurricanes deliver leasing troubles for tenants . Read more about hurricane damage and lease issues here . Oppenheim Pilelsky spearheads a $5 billion class action lawsuit against DuPont for failing to warn consumers about Teflon dangers. Read more about the Dupont Teflon case here . Roy Oppenheim shares his views on the white-hot South Florida Real Estate Market during a guest appearance on WPBT-TV. Read more about the broadcast , or click here to watch video of the show now. Oppenheim comments on music industry crackdown on illegal piracy. Read more about Florida music piracy lawsuits . Oppenheim & Pilelsky Attorneys and Civic Leaders who have Blazed a Trail through our City. Read more about how we're making a difference in Weston and Broward County Oppenheim Pilelsky Represents Custom Home Builder in a $22.5 Million Property Purchase in Boynton Beach. NEW: Roy Oppenheim named one of the Daily Business Review's Top Dealmakers for 2003 Oppenheim Pilelsky Represents Developer in $11.2 Million Sale of Weston Retail Plaza. It’s a Sign of the Times: Oppenheim Pilelsky, Weston’s Oldest Law Firm, Expands into New Offices. Parents of St. John's Meningitis Victim File Wrongful Death, Medical Malpractice Suit Against Mayo Clinic-Jacksonville and Others. The Florida Times - St. Johns girl's parents sue over meningitis death . St. Augustine Record - Lawsuit filed by family of teen who died of meningitis . Oppenheim Pilelsky Law Firm Successfully Negotiates Lease-to-Purchase Deal for Old Hollywood Fashion Mall. Oppenheim Pilelsky Announces Closing of Construction Loan for Hallandale Yacht Club Hallandale Beach luxury condo project going up on last available lot near Intracoastal. Hialeah Widow Settles Lawsuit Against Doctor Who Misdiagnosed Her Husband's Fatal Heart Attack for $362,500.00. Woman Settles Lawsuit Against South Broward Hospital District and Dania Women's Center in Spina Bifida Case. Tampa Bay Area Law Office Opened by Renowned South Florida Attorney Roy Oppenheim. Oppenheim Pilelsky Law Firm Announces Closing on Millennium Plaza at Weston. Oppenheim Pilelsky Law Firm Announces Closing on Millennium Plaza at Parkland. Landmark Custom Ranches Development Announces Closing on Land For Multi-Million Dollar Homes at Weston Border. Family Settles Lawsuit Against MacDill Airforce Base in Deadly Meningitis Case. Miami Woman Awarded Nearly $1 Million in Winn Dixie Slip-and-Fall Case. Updates Archive >> Weston Law Firm Overview - Practice Areas - South Florida Litigation - Florida Real Estate Law Florida Corporate Litigation - Florida Family Law - Sitemap Other Areas - Biography Of Attorneys - Representative Cases - Recent Deals Media - Press Releases - Published Legal Articles - Media Clips - Contact Us Related Links - Employment Opportunities - Disclaimer © 2003. Oppenheim Pilelsky, P.A. All Rights Reserved. Design, Hosting and Marketing by Webcast1

Investment Property

New Zealand Investment Property Investments New Zealand Resort Apartments Holiday Homes Property Investment | Recreation | Golf | Facilities | What's New | Accommodation | Contact Us Print this page Your New Zealand Resort Investment For family holidays, semi-retirement living, long weekends, or a managed investment to share with friends and relatives, the benefits of owning a property at Terrace Downs High Country Resort are unmistakably for one purpose - enjoying life to the full. Investment opportunities include:- Lifestyle land blocks Fairway Chalet sites The Terrace Villas - luxury condominium style apartments Lakeside Villas The Lodge Suites Ownership means having a luxurious and stylish retreat away from city hassles and suburban drudgery. It provides security in a relaxing and rewarding environment ideal for personal pursuits. Because a finite number residential homes will be developed at the Resort, there is excellent potential for capital gain from ownership. When not being lived in, Terrace Downs offers full or partial managed leasing that will return rental income to owners. Each property comes with a family membership of the golf club and other present as well as future on-site leisure activities, with unlimited access on annual payment of a modest membership fee. Freehold, fee simple titles are available, and building covenants have been drawn up to protect the integrity of the environment, the architecture and ultimately your investment. Up-to-date financial information on investment conditions in New Zealand is shown by going to the page Why Invest At Terrace Downs? For the latest on property availability and pricing details, please contact Brian or Fiona Brakenridge: Email invest@terracedowns.co.nz , or phone +64 3 313 0219 (office), +64 21 406 768 (mobile), or +64 3 312 6600 (a/h). The Terrace Villas - Resort Condos & Apartments | Lakeside Building Lots | Why Invest at Terrace Downs | Property Site Maps | NZ Resort Lifestyle Blocks | Testimonials | Avoca | Acheron | Coleridge | Harper | Lyndon Terrace Downs High Country Resort Coleridge Road, Rakaia Gorge Darfield, RD2, New Zealand Free Phone: 0800 GOLF RESORT (0800 465-373) Phone: +64 3 318 6943, Fax: + 64 3 317 9372 Email: Home | Print this page | Send this page | Privacy and Disclaimer | Site Map | Accommodation Rates | Outside Links | Top Updated Saturday, 11 June 2005 publishing system by Cabbage Tree

Real Estate Broker

Real Estate Web Site Design, Best Real Estate Web Sites, Realtor Web Sites, Templates, Custom Design Home Client Login WebMail Live Help Live Chat Contact Us Discussion Forum "Im compelled to tell everyone over at LinkUSystems how wonderful it is to work with a company that is so customer service oriented. Since becoming a customer of LinkUSystems, Ive been amazed by the responsiveness of the associates who work at the company. Its refreshing to see a company put such a high value on satisfying the customer. Many could learn by LinkUSystems example! Keep up the good work guys! Youve made a raving fan out of me." Paul Hoffman hoffmanrealtor.com Just wanted to thank your support staff for all of their help. I have submitted several support request in the last few weeks and I am impressed with the quick response time. I am very happy with my 4statehome.com fsbo site and look forward to continuing business relationship with LinkURealty. Andy Williams 4statehome.com My website with LinkUSystems was one of the best investments for my business ad dollars. My site puts forth a professional image which stands apart from my local competitors. I love my ability to check web stats at anytime too! Wes Rocha has always been there for me. I don't need his help or advice very often but when I do, I am never put off but rather given immediate attention. Carol King soldoncharlotte.com I just wanted to let you know how much we appreciate the quality of service your company has provided for us here at Shane Associates. We have NEVER dealt with an online company where we have had customer service so readily available every time we needed it! You guys broke the mold and continue to deliver the best service! The response to our needs and queries have always been quick, effective, and of the highest quality. It's a great feeling to know that after all the research we had done before choosing your company, we did indeed make the best decision in trusting you at LinkuSystems. We are so very grateful for you and your team. Sabrina Shane shaneassociates.com I just wanted to send you an email to say thank you and let you know that I love everything about my website, and Im glad I chose your company to build it! You guys were very friendly with answering my questions, and I love how easy it is to use and customize my site from the admin page. After looking and test driving a few companies sites, I found you, and was so excited at all the options you offered at a great price! YOU CANT BE BEAT! Anyway, thanks again and keep it up! Amy Massey amymassey.com LinkURealty is a provider of real estate web site technology for real estate professionals. Our real estate web site system is specially designed for real estate agents and brokers, in addition to providing additional components and features to flat fee and for sale by owner services and several other real estate related industries. home - agents - brokers - idx/mls solutions - mortgage - XE Websites - ZSERIES Websites - contact us discussion forum - site map - website blog Are you looking for a real estate agent? Try LinkUAgent ! LinkUSystems presents LinkURealty, which offers real estate web sites for real estate professionals, such as real estate agent web sites, real estate web design, LinkUAgent, real estate web hosting and more.