Foreclosure Fund Proposed
A Federal Reserve official voiced approval Thursday for a fund that would compensate borrowers whose homes were improperly foreclosed upon.
Fed Governor Elizabeth Duke told a House subcommittee that she supports the idea, which has been discussed in meetings between state attorneys general and banking-industry officials.
The committee hearing focused on allegations that major banks used flawed foreclosure documents to seize homes. The central bank and other banking regulators are investigating the issue.
"I think it would be very positive if there was a mechanism to deal with these problems as they came forward," she told the panel.
State attorneys general, who are conducting a separate investigation, are seeking a settlement with the mortgage industry that also would overhaul other industry practices, such as modifying loans for struggling homeowners.
Mortgage-operations officials from several of the biggest U.S. banks also testified. They promised to make every effort to keep people in their homes with modified loans, keeping foreclosure only as a last resort.
Officials from Ally Financial, Bank of America, JPMorgan Chase, Citigroup and Wells Fargo said they don't believe any document errors led to foreclosures that would not have occurred otherwise.
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Holiday Pet Safety By: Erika Mariz
As the holiday season draws near it is important to keep a more vigilant eye on our pets. Unfortunately, holiday decorations and common holiday foods pose great risks to our pets.
One of the most commonly ingested dangerous food around the holidays is chocolate, which is highly toxic to dogs. Even a small amount of chocolate can use vomiting and diarrhea, while larger amounts can cause seizures and heart arrhythmias. It might be wise to not place any boxes of chocolate under the Christmas tree, even if the box is wrapped. Dogs can easily find a way to get to the chocolate.
Another commonly ingested item by pets, believe it or not, is alcohol. Please watch your drinks as alcohol can cause seizures, drops in blood sugar, blood pressure, and body temperature, and even respiratory failure.
Grapes and raisins may seem innocuous, but these are very dangerous to dogs as they may cause kidney failure. Take care not to give any food that contains either raisins or grapes to your pets.
With the holiday season comes excess food. Fatty foods can cause pancreatitis, which sometimes leads to abdominal pain and vomiting, and in severe circumstances, can result in death. Instead of giving fatty leftovers to your pets, it is best to safely discard them in a place where your pets can get to them.
Now as far as plants go, there are plenty of frequently purchased plants that are extremely harmful to your pets. Poinsettias, mistletoe, and holly berries are all toxic to varying degrees. Flowers in the Lily family can cause severe kidney failure in cats.
Lastly, Christmas trees may pose a wide array of problems for pets. First of all, Christmas trees themselves are considered to be mildly toxic, which can lead to many health problems if your pet tries to eat any part of it. The ingestion of pine needles may lead to gastrointestinal obstruction or puncture. If you have a live tree, please take notice that if you add preservatives in the water for your tree, some of these preservatives contain chemicals that can cause gastrointestinal problems.
In addition, Christmas ornaments can be problematic as many pets will try to eat some of them, especially sparkly tinsel. Ingestion of these ornaments may lead to gastrointestinal blockage or rupture. Finally, Christmas lights can be a major hazard to pets, especially birds since they like to chew on everything. Chewing on the light cords can, of course, cause electric shocks and burns to your pets.
With all of these potential hazards during the holidays, it is best to keep your pet in an "undecorated" area of the house when you are not home so you do not have to face any unpleasant surprises when you come home.
If your pet manages to eat anything that it should not, please seek immediate help from your veterinarian or a pet poison hotline. |
St. Pete Foreclosure Forum

On November 13 Attorneys and staff from G&A participated in the St. Petersburg Residential Foreclosure Forum.
Charles Gallagher lectured on modifications, deeds in lieu of foreclosure and investment properties.
Additionally, G&A met with many homeowners to discuss their options in foreclosure. G&A was proud to serve as a sponsor of this event.
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G&A Attorney Profile

Ashley M.Elmore Drew joined the firm recently as an associate. Ashley was previously employed with the Office of Court Counsel for the Sixth Judicial Circuit in Pinellas County.
Ms. Drew graduated from Stetson University College of Law in 2009. At Stetson, she was the Research Editor for the Stetson Law Review, a Dean's List Student and the Programming Coordinator for Amnesty International.
Ms. Drew graduated from the University of Central Florida with her Bachelors of Arts in Sociology in 2001 and Masters of Arts in Applied Sociology in 2004. While at UCF, Ashley served as an adjunct instructor of sociology.
Currently, Ms. Drew is a member of St. Petersburg Bar Association. Ms. Drew's practice focuses on foreclosure litigation, consumer law, real estate & insurance law and business litigation.
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Tech Corner Kevin Baker, JDL Technology Services

As 2010 Is Coming To A Close, JDL Offers Seasonal Discounts On Computer Upgrades
Black Friday and Cyber Monday are not the only two days to take advantage of discounts and price cuts on computer hardware this holiday season. From the middle of November through the end of December, computer outlets and electronics wholesalers offer huge savings on hardware. As a consumer, you and your company will only see some of these discounts at local retail stores.
Over the past 5 years, JDL had developed business relationships with many of the top computer hardware vendors. Through our membership and product loyalty, we have been given access to a huge variety of product savings and we would like to extend that savings to you.
From complete desktop computer systems, to servers, memory upgrades, multifunctional color copiers, and office software, JDL has your ticket to savings. Call us today and let us help you take a hardware inventory. Invest in your hardware before the end of the year and secure your productivity in 2011.
For more information on how JDL can upgrade your office, please contact or email Kevin Baker or Jason Long:
Direct: 727-564-2735 Toll Free: 866-374-5873
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G&A Holiday Party

The attorneys and staff of
Gallagher & Associates
invite you to join us to celebrate the holiday season.
Tuesday, December 7, 2010
5:00 p.m.
G&A Party Deck and Tiki Bar
Gallagher & Associates Law Firm, P.A.
5720 Central Avenue
St. Petersburg, FL 33707
Beer, wine, sangria and soft drinks
Heavy hors d'oeuvres
Friends, guests and colleagues are welcome
R.S.V.P.
Ginny Keeter-Bodkin
727-344-LAWS
ginny@attorneyoffices.org
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G&A News & Notes
*Charles Gallagher was recently quoted in a story about the homeowners fighting back suing banks in their foreclosures in the Tampa Bay Business Journal. TB Business Journal
*Ashley Elmore Drew participated in the St. Petersburg Residential Foreclosure Forum assisting homeowners in foreclosure.
 *Charles Gallagher received the Entrepreneur of the Year Award at the 2010 St. Petersburg Chamber of Commerce's St. Petersburg Young Professionals Awards Ceremony.
*Charles Gallagher was featured in a recent story on Bay News 9 regarding the foreclosure forum. Bay News 9
*Charles Gallagher authored an article in the St. Petersburg Bar Association's Paraclete, entitled, "The Foreclosure Crisis: How We Got Here and Where Do We Go from Here." Paraclete
*Charles Gallagher was recently featured in the Tampa Tribune in connection with his involvement in the Breast Cancer 3 Day. Tampa Tribune*Charles Gallagher will present a lecture on Florida Landlord Tenant Law at the SES Seminar on January 11, 2010 in Tampa, Florida. Seminar Details___________________ |
Home Sharing Program
By: Ashley Elmore Drew
Need help with the mortgage? Need a roommate but afraid of the unknown variables that accompany a newspaper ad? Home sharing might be the solution for you. A growing trend nationwide, home sharing is more than just a roommate matching service; it provides background checks, counseling, and matching based on projected long-term success. Home sharers include those in danger of foreclosure who need a little assistance with the bills, families who need child care, seniors who are in need of companionship, and people from all walks of life. Home providers are often people who have more housing space than they can sustain physically or financially and they want to help others while keeping their home.
The Local Community Housing Corporation is a non-profit located in Tarpon Springs that provides home sharing services for Pinellas County. Every home provider and home seeker meets with a social worker who does background checks and assesses the living needs of each individual. One example of successful home sharing from the Local Community Housing Corporation was a single mother with a two-year-old who was matched with a retired daycare provider.
As society changes and focuses less on community cohesion, it is easy for people who don't have large support networks to become isolated and fall through the cracks. Often, people are uncomfortable with the idea of living with other families or people they don't know. Home sharing non-profits take some of the anxiety out of the equation and can provide relief for all involved, preserving homes and promoting stability.
The Local Community Housing Corporation's website is www.homeshareprogram.org . The National Shared Housing Resource Center provides a directory of programs nationwide and can be found at www.nationalsharedhousing.org. ____________________ |
Inmate Sues Family
It has been an agonizing three years for Stephen and Joanne Kenney, ever since their teenage son, Matthew, was struck and killed while riding his bike on a Connecticut roadway.
Now the man who killed Matthew is suing the Kenneys for negligence; from his jail cell.
Prosecutors alleged that David Weaving was driving more than 80 miles an hour in Waterbury April 27, 2007, when he struck and killed Matthew Kenney, 14, according to court documents. He was convicted of manslaughter and is serving a 10-year sentence.
After his conviction, the Kenneys sued Weaving and the Connecticut Department of Motor vehicles for negligence, alleging that Weaving's license should have been revoked because of his repeated drunk driving convictions.
From behind bars, Weaving responded with a countersuit alleging that the Kenneys allowed their son to ride his bike without a helmet, which contributed to his death. The lawsuit stated that the Kenneys did not "comply with the responsibilities of a parent or guardian and the laws of this state."
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Election Results
G&A congratulates Keith Meyer and Trish Muscarella in their successful election to the bench. Both Keith and Trish ran great campaigns and we are confident they will serve the citizens of Pinellas County with honor and distinction.
Also, G&A congratulates Jeff Brandes on his election to the Florida House. Jeff had the tall order of running against an incumbent. However, his campaign was masterful and the voters of Pinellas County picked him to represent them in Tallahassee. Congrats to our friends! ___________________ |
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G&A Email Directory
Erika Mariz Joseph F. Milligan Jason A. Cox Christine Heise
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The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. This email is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.
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About Our Firm
Gallagher & Associates Law Firm, P.A. is a boutique consumer law firm in offering concierge legal services to individuals, consumers and small businesses where clients have 24/7 access to their attorney.
Our practice areas include foreclosure defense, insurance litigation, real estate litigation and business law and consumer litigation.
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