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FLORIDA HOMESTEAD SERVICES, LLC
(954) 252-9111
Dear Homeowner,
We will send you, via e-mail, a small portion of our most recently
published book that you can request from our form below, or by e-mailing
us. Thank
you for the time to contact us. Over ninety-nine percent of all
Florida homes are not protected under the Florida homestead asset
protection laws. Unfortunately, your existing home and residence
probably does not possess protections afforded under the
Florida homestead law, as you may have assumed! Under Florida law,
the exemption of a homestead from seizure and sale for debts is a
different thing from the exemption to the extent of $25,000 of a
homestead appraisal reduction from taxation, and a homestead as
defined for tax purposes, is not necessarily a homestead that is
"non-devisable" or not able to be disposed of by law. To
put it another way, the exemption of a homestead from forced sale,
or a of home equity, and from having a judgment or execution being a
lien thereon differs from homestead property tax exemption, as
defined for ad valorem (which means 'according to value') property
tax purposes. Here is the State’s answer to our specific inquiries
about our services...
OUR QUESTIONS TO THE STATE OF FLORIDA DEPARTMENT OF REVENUE
REGARDING FLORIDA ‘HOMESTEAD EXEMPTION’:
Question 1: “By claiming homestead property ad valorem tax
exemption through the local county property appraiser’s office,
how does that declare and protect my real property and equity as a
true, legal homestead?”
Answer: “The property tax exemption is in regards to, and applies
only to, and for the real estate property tax bill and is a combined
notice of ad valorem taxes and non-ad valorem real estate tax
assessments.”
Question 2: “Does this ‘property tax exemption’ protect
my real property and its equity, against liens, judgments, levy
and/or foreclosure as a valid or claimed homestead, or does
it just qualify a homeowner to receive a property ‘tax
break’? Please have your office clarify my question; Does any
Florida county property appraiser’s homestead property tax
exemption form, specifically and clearly designate and record my
real property as a qualified and claimed homestead property, or is
its main purpose just for the homestead exemption assessment portion
of ad valorem property taxes?”
Answer: “When you receive a ‘homestead tax exemption’
from your county property appraiser’s office, its only
purpose is to save you money on the first twenty-five thousand
dollars of your real estate ad valorem property taxes, and to cap
the assessed property value to no more than a 3% increase per year
under the Save Our homes Act. It does not protect your home or
equity from creditors and judgment executions, which is also not
automatic.”
The service we provide at Florida Homestead Services regarding
protection of your real property, qualified homestead and its equity
provides protection of your home and real property against most
liens, judgments and foreclosure, not the so-called ‘property tax
break’. The exceptions to the law are a secured mortgage, property
tax liens and a lien for contract for improvement of the property.
Protection of a homestead is not automatic and must be claimed
separately than the ‘homestead tax exemption’. Protection of
homestead is by individual choice and by an individual’s own
initiative, not by the duties of the property appraiser’s office
in the county in which an individual resides. Absent notice
that we are in need of this protection against forced sale of our
homes, few of us are likely to make a homestead claim just in case
it might prove handy some day.
The real property homestead claim can be made before or after a
lien, judgment or levy, but the prior legal claim is superior for
obvious reasons. Any government entity such as code enforcement, any
third party, or any unsecured creditor can easily attach a lien,
judgment or levy against your residential property or its equity for
almost any reason, and sometimes without any notice to you. The
homestead protection provided by us makes most liens or judgments
void and unenforceable, but you must make the legal claim. Here is
where we can greatly assist you by providing the following asset and
property protection filing services:
· Personalized planning and claims to meet your needs
· Provision of all required documentation for protection of your
real property, home, equity and income against liens, judgments,
creditors, forced sale or foreclosure
· Notarization and verification of all required documentation and
property descriptions
· Filing and recording of all required documentation into the court
and public records
· Notice to any lien or judgment holders and creditors of your
claim
· Notice of contest of most liens to the lienholder
· Notice of your claim to existing creditors allowing sale or
refinancing within 45 days
· Cessation of forced sale against real property
· Refiling of a new homestead claim for no charge should you move
within Florida
· Declaring domicile in the State of Florida, if required
· Research and information on your particular issue and situation
· Verification of current property, appraisals and exemptions in
the county of residence
· Verification of public and court records
· Recommendations from our legal staff on pertinent issues
· Free consultation and answers to all of your questions
· All information is placed on a personalized CD-ROM with all vital
information of your homestead property for safe keeping and archival
purposes
Our fees are dependent on the appraised value of your property for
tax purposes by the property appraiser. We can give you an exact
amount in exchange for your residence address. We
are also a referral service for attorney's who specialize in asset
protection and estate planning. If you need help, contact us and we
will help you to find the best of the best. We also provide
our valuable services to mortgage brokers, realtors, mortgage
companies and title companies, as well as the individual homeowner.
Please, do yourself and your family a favor and take precautionary
measures to protect your most valuable asset, your home and ‘castle’,
from all types of present or future liability and creditors. Please
feel free to contact us for any questions and consider our services
the cheapest form of protection against most liens, judgments and
foreclosure. Contact us today! We are here to help.
Best Regards,
Florida Homestead Services, LLC ©®™
www.floridahomesteadservices.com
954-252-9111
954-434-7664 Fax
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