Miami Lawyer Blog

According to attorney Aaron Resnick, the foreclosure wave has not diminished in Miami-Dade County, Florida. Of the 50 largest metro areas, Riverside-San Bernardino posted the highest foreclosure rate, with one in every 62 housing units with a foreclosure filing during the quarter. In Miami, one in every 95 housing units had a foreclosure filing this past quarter.

Other metros with foreclosure rates that were more than twice the national average included Sacramento (one in 77 housing units), Las Vegas (one in 82 housing units), Phoenix (one in 87 housing units), Atlanta (one in 90 housing units), Miami (one in 95 housing units), Orlando (one in 101 housing units), and Chicago (one in 107 housing units).

RealtyTrac is an online marketplace of foreclosure properties, with more than 2 million default, auction, and bank-owned listings from over 2,200 U.S. counties, along with detailed property, loan and home sales data.

The metro areas that saw the largest increases in foreclosure activity among the 50 were Orlando (+52 percent); Indianapolis (+41 percent); Hartford, Connecticut (+38 percent); Miami (+37 percent); and Philadelphia (+33 percent).

Metro areas with foreclosure rates in the top 20 category included Atlanta (No. 11); Miami (No. 13); Orlando (No. 15); Rockford, Illinois (No. 16); Chicago (No. 17); and Prescott, Arizona (No. 19).

The Law Offices of Aaron Resnick, P.A. is positioned to help homeowners with short sales, loan modifications and foreclosure defense throughout the State of Florida.

According to attorney Aaron Resnick, based upon a preliminary report released by LPS, 2,060,000 properties are in foreclosure inventory. As of the end of the 2011 fourth quarter, 11.1 million borrowers were reported to be underwater, according to CoreLogic.

That's a lot of potential debt to be forgiven, and through the Mortgage Debt Relief Act of 2007, homeowners get a break from paying taxes on their forgiven debt - whether it was forgiven through a short sale, foreclosure, or a modification. The act though, is set to expire at the end of this year.

If extended, this could lead to thousands in savings for the individual borrower. For example, depending on one's tax bracket, every $10,000 in forgiven debt could incur as much as $1,500 to $3,500 in federal taxes. Thus, if $100,000 in mortgage debt is forgiven after a foreclosure, this could mean $15,000 to $35,000 in taxes owed for the borrower.

Rushing to hand over a deed before the December 31 expiration date could become a mistake though if Congress ends up extending the debt relief act, which it may.

"Obama did include it in his budget, to extend it to 2014," said Mark Luscombe, a principal analyst for tax research firm CCH, in a statement. "Congress..... might decide it's not as crucial as extending the tax breaks that already expired at the end of last year."

That doesn't mean Congress won't eventually act to extend the relief, Luscombe said.

"Usually the only fight about these things is finding a way to pay for it," he said.

The administration is proposing to extend the act until January 1, 2015.

The criteria to have forgiven debt excluded as taxable income is the debt must be from a primary residence, and the debt must be used to buy, build or substantially improve a primary residence.

Also, the exclusion applies only to acquisition debt up to $2 million, or $1 million for married taxpayers filing separately.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

According to attorney Aaron Resnick, short sales are rising sharply, offering many struggling homeowners a better alternative to foreclosure in many of the nation's hardest hit states. A short sale is a sale of real estate in which the proceeds from selling the property will fall short of the balance of debts secured by liens against the property and the property owner cannot afford to repay the liens' full amounts, whereby the lien holders agree to release their lien on the real estate and accept less than the amount owed on the debt. Any unpaid balance owed to the creditors is known as a deficiency. Short sale agreements do not necessarily release borrowers from their obligations to repay any deficiencies of the loans, unless specifically agreed to between the parties.

A short sale is often used as an alternative to foreclosure because it mitigates additional fees and costs to both the creditor and borrower. While credit is also typically damaged much less than from a foreclosure, both often result in a negative credit report against the property owner. Most creditors require the borrower to prove they have an economic or financial hardship preventing them from being able to pay the deficiency.

Creditors holding liens against real estate can include primary mortgages, junior lien holders--such as second mortgages, home equity lines of credit (HELOC) lenders, home owners association HOA (special assessment liens)--all of whom will need to approve individual applications for a short sale, should they be asked to take less than what is owed.

Most large creditors have special loss mitigation departments that evaluate borrowers' applications for short sale approval. Often creditors use pre-determined criteria for approving the borrowers and the terms of the sale of the properties. Part of this process typically includes the creditor(s) determining the current market value of the real estate by obtaining an independent evaluation of the property with an appraisal, a Broker's Price Opinion, or a broker opinion of value (BOV). One of the most important aspects for the borrower in this process is putting together a proper real estate short sale package including hardship letter explaining why a short sale is needed.

Depending on each creditor's policy and the type of loan, creditors may accept applications from borrowers even if the borrower is not in default with their payments. Due to the overwhelming number of defaulting borrowers due to mortgage failures and other causes as part of the 2008-2012 global financial crisis, many creditors have become adept at processing such short sales applications; however, it can still take several months for the process from start to finish, often requiring multiple levels of approval.

In January, short sales rose 33% compared with 12 months earlier, the company reported. During the month, 32 states saw year-over-year percentage increases in short sales. Even more encouraging, short sale deals outnumbered foreclosures in 12 states, including some of the hardest hit like California, Arizona and Florida.

January's numbers look to be just the beginning. "[W]e believe 2012 could be a record year for short sales," said Daren Blomquist, vice president at RealtyTrac.

Banks are showing signs of being more open and willing to approve the deals -- even if it means accepting less money. The average sales price for a short sale was $174,120 in January, down 4% from December and 10% year-over-year.
The rich walk away: Million-dollar foreclosures

Typically, banks get about 20% less for a foreclosed home. Foreclosure can also take years to unload, during which expenses, like property taxes, insurance and other expenses, mount up.

One of the biggest roadblocks for short sales has been the time it takes to get deals approved. That time shrunk slightly during the first quarter -- to 306 days from 308 days the previous quarter -- but many deals still fall through because the buyer eventually walks away.

However, that could all change come June 1 when a set of new rules are put in place that will require lenders to make a decision about short sale requests within 60 days.

The Law Offices of Aaron Resnick, P.A. has helped hundreds of clients with short sales.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

The Law Offices of Aaron Resnick, P.A. joins the Columbian American Chamber of Commerce. Attorney Aaron Resnick states that many of the firm's clients are Columbian nationals and he looks forward to helping further cement the firm's position as a go to shop for all legal needs for Columbians seeking to do business in South Florida.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

The Law Offices of Aaron Resnick, P.A. joins the Panamanian American Chamber of Commerce. The chamber promotes and fosters bi-lateral trade between Panama and the United States. The firm, which already represents and number of Panamanian companies and individuals looks to continue to grow its practice providing services to Panamanians looking to and doing business in South Florida.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

AARON RESNICK'S TOP TEN THINGS TO KNOW WHEN BUYING A CONDOMINIUM

Condo financing can be challenging these days. Before selecting your new home, save yourself some time and frustration by checking with the HOA against this list of criteria to make sure the loan you want is available:
1. Is the condo complex FHA approved? This means the project is listed on the FHA approved list and has recently been recertified to meet current FHA guidelines. The project still needs to meet items 2 - 10 on this list in order to qualify for FHA.
2. What is the owner occupancy ratio in the project? This is determined by finding out how many total units there are, how many are owner occupied, and how many are rented. FHA requires 50% owner occupancy. Fannie Mae and Freddie Mac require 51%. Some conventional financing allows for owner occupied buyers only with at least 10% down when these ratios cannot be met.
3. How many owners are more than 30 days late on HOA dues? FHA and conventional financing requires no more than 15% of the owners be late or the project is considered non warrantable.
4. Does any one person or entity own more than 10% of the project? This can be an issue in small complexes when someone owns more than one unit or has combined two units into one.
5. How much of the building is mixed use? Many newer projects in Boulder and metro Denver have a mixed‐use component. While it's great for urban planning, it can be challenging for financing. If more than 25% of the total square footage is used for commercial or business, the project is ineligible for conventional or FHA financing. Some smart developers have phased their projects in such a way that they avoid this issue so always be sure to check.
6. Is the HOA in a lawsuit? While this isn't a prevalent problem, it does come up. If the HOA is in any kind of lawsuit with owners or contractors or anyone else, FHA and conventional financing will not be available until the lawsuit is settled.
7. Does the HOA annual budget include 10% in reserves? Most well‐run HOAs have a reserve built into their annual operating budget but it is important to make sure.
8. Does the HOA have $1 million liability coverage? This is a minimum industry standard.
9. If the project is over 20 units, does it have fidelity bond coverage? Another new industry standard for larger complexes to protect against mismanagement of HOA funds.
10. If the project is FHA approved, have they allocated funds for FHA re‐approval every 2 years? FHA now requires every project be recertified every 2 years. It's a good idea to make sure the HOA has the resources allocated in the budget for this new additional cost. Especially if the condo price point is in lower end of the spectrum, you
will be better prepared for resale by making sure the condo you buy will be easy to finance for a new buyer when you're ready to sell and move up.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

Attorney Aaron Resnick agrees that the underlying economic data in South Florida supports a conclusion that home prices are close to bottoming. In fact, home prices are already on the rise in Miami Beach. According to the article below by Lucia Mutikani,
"[t]he relentless decline in home prices is nearing an end and prices should rise for the first time in seven years in 2013, but a possible new wave of foreclosures could threaten the recovery, according a Reuters poll of economists."

http://news.yahoo.com/home-prices-close-bottoming-rise-2013-135728513.html

Rest of Article below:

The median forecast of 24 economists polled by Reuters was for the S&P/Case-Shiller 20-city home price index to end the year unchanged. That was the same finding back in January for this house price gauge, which covers 20 cities.

"We are expecting a gradual improvement, but if we get a big wave of new foreclosures coming to the market, price declines could be even greater," said Yelena Shulyatyeva, an economist at BNP Paribas in New York.

The survey forecast the S&P/Case-Shiller home price index rising 2.0 percent next year, up from 1.5 percent in the January survey.

The housing market's collapse pushed the economy into its longest and deepest recession since the 1930s. Historically, housing has led the economy out of recession, but it has been the weakest link in the recovery that started in mid-2009.

While residential construction accounts for a mere 2.3 percent of gross domestic product, home prices have an oversized reach in the economy, influencing a wide range of consumption decisions by households.

House prices have so far fallen about 32 percent from their peak at the end of 2005, and an estimated 11 million Americans now owe more on their homes than they are worth.

A resulting tide of foreclosures has held back the housing market's recovery.

The survey predicted about 1.5 million foreclosed properties will come on to the market this year. While there is no comparison for this figure, most analysts believe the foreclosure wave has either peaked or is close to topping out.

Given that foreclosures and the accompanying fear of further price declines are the main obstacles to any housing market recovery, few analysts say that further purchases of mortgage backed securities by the Federal Reserve will help.

Fed officials meet on April 24 and 25 to debate whether further steps are needed to drive borrowing costs lower to spur stronger economic growth.

Mortgage rates are already near record lows and house affordability is the best in history.

"The problem with the housing market is not necessarily that mortgages are expensive," said Millan Mulraine, a senior macro Strategist at TD Securities in New York.

"It's more the expectation that prices may continue to fall and cause a lot of potential buyers to sit on the sidelines to wait for more attractive entry points. I don't think there is lot more mileage to be achieved from MBS purchases."

Further MBS purchases by the U.S. central bank, however, could help keep mortgage rates low as the economy's recovery gains momentum.

The survey forecast the 30-year mortgage rate averaging 4.00 percent in 2012, down from 4.15 percent in the January poll.

Although job growth slowed in March, the labor market is expected to continue strengthening this year.

That should help to lift home sales. Sales of previously owned homes are expected to register an annualized 4.70 million unit annual pace in both the second and third quarters of this year before topping at 4.80 million units in the fourth quarter.

That compares to a rate of 4.60 million units and 4.70 million units in the second and third quarter respectively in the January survey.

"This gradual healing is encouraging, but we must tread carefully as the housing market is still far from a robust recovery," Michelle Meyer, an economist at Bank of America Merrill Lynch in New York.

(Reporting by Lucia Mutikani; polling by Snehasish Das and Aakanksha Bhat; Editing by John Stonestreet)

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

Foreclosure defense attorney Aaron Resnick notes that there appears to be an uptick in the housing market that should help everyone dealing with the foreclosure crisis in the United States. Resnick notes that some of his clients have seen such dramatic changes since his firm was retained that they have actually sold their homes for a profit.

According to an article published today by Nick Timiraos, http://blogs.wsj.com/developments/2012/04/17/report-sellers-asking-prices-rose-in-march/?mod=wsj_share_linkedin, seller asking prices are increasing across the United States.

Here's a sign that sellers are feeling more optimistic about their prospects this spring: median asking prices in March jumped by 5.6% from a year ago, and were up 1% from February, according to a report released Tuesday.

The jump in median asking prices comes amid a sharp drop in the number of homes listed for sale from one year ago. While listing inventories in March rose by 1.5% from February, they were still 21.5% below last year's levels.

Click for interactive with metro-level data.

Inventories of homes listed for sale tend to go up in the spring, and the 1.8 million listings in March represented the second straight increase for the year. Over the past 27 years, the average increase in for-sale listings in March has been 1.8% from February, according to research firm Zelman & Associates.

The Realtor.com figures include sale listings from more than 900 multiple-listing services across the country. They don't cover all homes for sale, including those that are "for sale by owner" and newly constructed homes that aren't always listed by the services.

Compared with February, inventories declined in roughly less than half of the top 30 metros tracked by Realtor.com during March, with the biggest declines in Phoenix (-6.4%), Seattle (-4.8%) and Orlando, Fla. (-4.2%).

Northeastern cities showed the largest inventory gains -- a finding that shouldn't surprise given that sellers are more likely to list their homes when the weather improves. Washington, D.C., saw a 9.5% gain, followed by Philadelphia (8.1%) and Boston (7.4%).
More In Realtor.com

Spring Ritual Returns: 'For Sale' Signs Sprout
Where Are All the Home Sellers?
Housing Inventory Ends Year Down 22%
Already Low, Housing Inventory Drops More
Housing Inventories Fall to New Four-Year Low in October

But compared with one year ago, inventories are still down sharply in almost all of the 145 markets tracked by Realtor.com. Just two, Philadelphia and Hartford, Conn., have seen any annual inventory increases. Listings are down by more than half in Oakland and Bakersfield, Calif.

Where are prices rising? Median asking prices were up from one year ago or unchanged in the vast majority of markets, with whopping increases of 23% in Phoenix, 22% in Miami, 17% in Washington, D.C.

The biggest monthly price gains were reported in San Francisco (6.1%), Seattle (5%) and Washington, D.C. (4.1%).

Where are prices falling? Chicago topped the list, with median asking prices down by 9.5% from last year's levels. Orange County, Calif., saw a 5.4% decline and Los Angeles posted a 3% drop.

Compared with February, asking prices turned up in all but one of the cities, with Minneapolis posting a 2.2% drop in median listing prices from February.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

According to DSNEWS.com, beginning June 15, real estate agents working with distressed homeowners whose loans are backed by Fannie Mae and Freddie Mac should expect to receive a decision on a short sale offer within 30-60 days.

Attorney Aaron Resnick a foreclosure attorney representing home owners and business owners advises that this is the first positive news in ages regarding short sales. According to Resnick, Short Sales now are now more common in South Florida than bank REOs.

The GSEs issued new guidelines Tuesday that fall under the Servicing Alignment Initiative rolled out last fall and aim to bring greater transparency to the short sale process and expedite decisions related to these pre-foreclosure sales.

Not only is a short sale an effective foreclosure alternative when home retention is no longer an option, but it keeps homes occupied and helps to maintain stable communities, according to the Federal Housing Finance Agency (FHFA).

Addressing real estate practitioners' No. 1 complaint about short sales, FHFA directed Fannie Mae and Freddie Mac to establish a new uniform set of minimum response times that servicers must follow in order to facilitate more efficient short sale transactions.

The GSEs' new short sale timelines require servicers to make a decision within 30 days of receiving either an offer on a property under the companies' traditional short sale programs or a completed Borrower Response Package (BRP) requesting short sale consideration, whether it's through the federal government's Home Affordable Foreclosure Alternative (HAFA) program or a GSE program.

If more than 30 days are needed, servicers must provide the borrower with weekly status updates and come to a decision no later than 60 days from the date the BRP or offer was received.

According to the GSEs, this 30-day add-on will provide some leeway for servicers who may need more time to obtain a broker price opinion (BPO) or a private mortgage insurer's approval for a short sale. All decisions must be made within 60 days.

In the event a servicer makes a counteroffer, the borrower is expected to respond within five business days. The servicer must then respond within 10 business days of receiving the borrower's response.

The GSEs plan to use the new short sale timelines to evaluate servicer compliance with the Servicing Alignment Initiative.

Edward DeMarco, acting director of the FHFA, says the GSEs new borrower communication and timeline requirements for short sales "set minimum standards and provide clear expectations regarding these important foreclosure alternatives."

GSE servicers must comply with the new minimum communication time frames for all short sale evaluations conducted on or after June 15, 2012, although servicers are encouraged to begin implementing the new requirements sooner.

"I applaud Fannie and Freddie for finally coming out with real guidance with real world timelines for their servicers," commented Anthony Lamacchia, broker/owner of McGeough Lamacchia Realty Inc., which specializes in short sales. "There is no question that this will help short sales and the market as a whole."

Last year Freddie Mac completed 45,623 short sales, a 140 percent increase since 2009. Fannie Mae's short sale completions shot up by 101 percent over the same period, totaling around 79,800 in 2011.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

Law Offices of Aaron Resnick, P.A. Joins the Member of the Florida China Chamber of Commerce.

Greater China has become the largest non-Latin trading partner of Florida. With China's entry to the World Trade Organization (WTO), business ties between the two markets are expected to grow even further.

Founded in 2001, Florida-China Chamber of Commerce, Inc. is a non-political, non-partisan organization registered with the State of Florida, dedicated to promoting trade, commerce and investment between Florida and Greater China. The Law Offices of Aaron Resnick, P.A. is strategically positioned to serve as legal counsel for clients from China looking to do business in Florida and for Florida businesses looking to conduct business in China.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

Law Offices of Aaron Resnick, P.A. joins the America-Israel Chamber of Commerce Florida Chapter. The Chamber assists American and Israeli businesses to increase trade and commerce between America and Israel to fuel economic growth for both regions.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

Law Offices of Aaron Resnick, P.A. joins the India US Chamber of Commerce. The India US Chamber of Commerce promotes the development and improvement of economic, commercial, cultural and financial relationships between India and the State of Florida. In order to meet our objective, it pursues the following venues:

* Provide our member with the opportunity to interact, exchange and present ideas via networking opportunities.
* Assist new ventures with information and introduction in both countries, the United States of America and India.
* Encourage commercial and economic ties amongst the two countries.
* Establish relationships with local government agencies and other chambers.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

Law Offices of Aaron Resnick, P.A. joins the United States-Mexico Chamber of Commerce The Inter-American Chapter.

Aaron Resnick, head of the Firm, notes that there is an influx of business between South Florida an Mexico and that his firm is positioned to handle all aspects of legal work needed for Mexicans who wish to do business in South Florida.

About the Law Offices of Aaron Resnick, P.A.

The Law Offices of Aaron Resnick, P.A. is a full service boutique law firm with offices in Miami, Boca Raton, Gainesville/Ocala, Jacksonville and New York City. For additional information, please go to www.thefirmmiami.com, or call 305.672.7495.

Aaron Resnick, leading attorney in Miami, is the newest member of the elite Haute Living Haute Lawyer Network.

Aaron Resnick, leading attorney in Miami, is the newest member of the elite Haute Living Haute Lawyer Network. An exclusive invitation-only professional network, only the most venerated attorneys make up this successful and sophisticated circle. Resnick was handpicked for his exceptional skill in Business and Commercial Litigation as well as Sports and Entertainment Law. A JD graduate of the University of Florida, he has established himself through years of success in the Florida community paired with multiple professional and bar association memberships, including that of the United States Supreme Court. Haute Living Magazine will feature Resnick as an exclusive Haute Lawyer.

Read more about him here. http://hautelawyer.com/member/aaron-resnick/

http://news.yahoo.com/aaron-resnick-joins-exclusive-haute-living-haute-lawyer-185644282.html

Florida foreclosures taking longer than ever - if you need help with a loan modification, short sale, or foreclosure defense, contact us at jeremy@myfloridaforeclosureattorney.com

Florida foreclosures are now taking longer than ever -- almost two-and-a-half years on average during the first three months of this year, according to a new report by the research firm RealtyTrac Inc. From the time a Florida homeowner gets the initial, "lis pendens" notice until the banks take the property, an average of 861 days transpire. Nationally, the process gets completed in less than half that time. [Source: Orlando Sentinel]

www.myfloridaforeclosureattorney.com

Over 1,000 guests joined co-founders Robert Sena, Aaron Resnick, Charlie Venturi and Aracibo Quintana on Saturday, to toast The Little Lighthouse Foundation's Third Annual Hearts and Stars Gala presented by Jaguar. Hosted by Buster Cox, the prestigious event was held at the beautiful Shangri-La waterfront mansion of George Wallner and Malinka Max.

The Law Offices of Aaron Resnick, P.A. was a sponsor of this fabulous evening. Founded in 2010, The Little Lighthouse Foundation is a registered 501(c)(3) non-­‐profit organization that rallies volunteers and conducts high‐profile events to benefit children and their families throughout South Florida. Focusing on supporting families who face medical, educational, emotional and financial challenges, the Little Lighthouse Foundation's network of active culturally aware South Floridians contribute both time and financial contributions. These contributions benefit Internal Little Lighthouse Programs and a network of other noteworthy local charities.

For pictures from the gala, please go to http://worldredeye.com/2012/03/hearts-stars-gala/ and www.thelittlelighthouse.org

Brittany Rawlings of the Law Offices of Aaron Resnick, P.A. was a panelist on What's Trending in Fashion Law at The Fifth Annual Nova Southeastern University Sports & Entertainment Law Symposium.

http://nsulaw.nova.edu/students/orgs/sels/symposium.cfm