Monday, October 27, 2014

Getting Help With Your Mortgage



Facing loss of a home is one of the most stressful situations an individual or family can encounter. Here are some of the most common reasons that the situation occurs, along with some  resources to deal with the problem. The website is makinghomeaffordable.gov. You do not need to  hire an attorney in order to apply for these  programs.

  1. Second Lien makes paying for home difficult:  Check out Second Lien Modification Program (2MP), a government program
  2. You are unemployed:  Check out Home Affordable Unemployment Program and Hardest Hit Fund, government programs
  3. Your home's value has fallen: Check out these government programs
  4. Other scenarios: Check out this list of government programs available 
The home page for the above programs is currently being advertised on television in an effort to make people aware of these resources. Nonetheless, many people are still unaware that they may qualify.

We hope these resources will be helpful. However, if your situation is more complex and involves breach of the terms of your mortgage or contract, lender issues, errors or unfair practices, or if there is litigation involved or you suspect that you may have a legal cause of action, you are advised to seek help from a private attorney or legal aid right away.


"Passionate, Professional & Personal. We Make the Difference."
We are celebrating our 30th anniversary in 2014!  A big THANK YOU you to our clients & the community for making this possible! 

Wednesday, October 22, 2014

It's a Celebration!



L to R: Attorney Sio Ramirez Pitre, Attorney Bob Kalish, Attorney Laura Kalish

Starting October 30th (to celebrate our 30th anniversary) we will give a free 30 minute initial consult to the first 30 of our new clients to mention this ad when calling to set up their initial consult. (by appointment only). Ends December 1st 2014.


"Passionate, Professional & Personal. We Make the Difference."
We are celebrating our 30th anniversary in 2014!  A big THANK YOU you to our clients & the community for making this possible! 


Monday, October 20, 2014

Keep Your Home & Property Safe While You Travel!


Here is some practical advice to keep your property and identity safe.  Soon we will enter the holiday season, a time when break-ins increase dramatically. If you are headed out of town, a little advance preparation goes a long way.

Basic commonsense precautions still apply.  Have someone you trust stay at or watch your home. Someone staying in the home or spending time there is a very good idea. Tell neighbors that you trust about the arrangements you've made.Try to have your house or pet sitter maintain normal routines and timing at your home. If the outdoor and indoor lighting, vehicles, yard, mail and newspapers appear as close to normal as possible then maybe a potential thief won't see an invitation.

Here are some additional ideas...
  1. Take advantage of local law enforcement's "vacation watch" program.  You may even be able to sign up online.
  2. Think twice before using a home sitter or pet sitter that advertises their presence with a sign on the sitter's vehicle. Or ask them to remove these signs while at your residence.
  3. Don't announce your trip on social media. It is a fact that thieves are now using this information!
  4. What if there were an actual emergency?  Make sure that the person who is watching your property would know what to do in the event that an emergency did happen while you were away and has the power to act! Prepare the following information before you leave town;
  • Veterinarian information (including animal emergency clinic) and ability to pay if you are going to be completely out of touch
  • Contact info for a Handyman and/or yard service 
  • Contact info for a  friend or family member with decision-making ability who can step in or help out
  • Homeowners or flood insurance information (especially if you are gone during hurricane season)
  • Contact information for a trusted neighbor
  • You may want to prepare a "House Sitter's Guide" that you can use again and again!
Reminder: If you have a pending legal case be sure to advise your attorney's office of times that you will be traveling or unavailable!


 Kalish Law Office - Family & Business Law - The Woodlands, Texas 
"Passionate, Professional & Personal. We Make the Difference."
We are celebrating our 30th anniversary in 2014!  A big THANK YOU you to our clients & the community for making this possible! 

Monday, October 13, 2014

What Information You Should Bring to the Lawyers Office for Your First Divorce Consultation



About to have a consultation with a lawyer for a possible divorce? It may help you to know in advance what kinds of questions the attorney will ask at your first meeting.

  1. Timing and certainty.  Your attorney will want to know if you have made a firm decision to file or if you are only gathering information to help you later. If you do file, are there any special issues about the timing of the filing or service of the papers? Do you need to work around a holiday, family event, child's birthday or out of town travel? 
  2. Children. Are there minor children from this marriage?  Have you thought about custody, visitation, child support and medical insurance for them? What is the day-to-day life of the children like now?
  3. Property & Debts. The attorney will ask you some general questions about the assets and debts of the marriage, and if either or both of you have any separate assets or debts. 
  4. Special considerations. What issues that are specific to your family need to be discussed? Such issues may include planning for a special needs child, running/dividing a family owned business, planning for a senior parent who lives in the household, making provisions for pets or livestock, concerns for stepchildren who are not technically part of the divorce but are part of the picture, a bankruptcy or litigation that is pending or a current pregnancy. Every case is different and your attorney is there to help you.
  5. Protecting Yourself. If there is a potential for violence against people or pets, property destruction or wasting or assets, inform your attorney. Listen carefully to any information about how to protect yourself and what to do if things start to get out of hand.


"Passionate, Professional & Personal. We Make the Difference."
We are celebrating our 30th anniversary in 2014!  A big THANK YOU you to our clients & the community for making this possible! 

Monday, October 6, 2014

Buying a Business?


If you are considering buying a business, you'll want to be certain to lay the proper foundation for your future success.


  1. Do your preliminary research- Use all available resources to discover information about the industry, the existing physical  location, the surrounding geographic area, and the future projections for all of the above.
  2. Get hard facts about the business- Find out about the local and online reputation of the business and its current owners. When things get serious, examine financials, physical assets and learn about the day-to-day operations.
  3. Get it in writing, the sooner the better- An earnest money contract or other contract that covers the negotiation phase can reduce risks and unpleasant surprises for both parties.
  4. Meet the right people- Find out who the current key employees, landlord, banker, and service providers are to see if you'd want to continue with them if the sale is completed.
  5. Choose and visit a business lawyer to help you- There are a multitude of issues that need to be dealt with in order to avoid future misunderstandings, loss of income or antagonistic litigation. Set yourself up for success from day one!


"Passionate, Professional & Personal. We Make the Difference."
We are celebrating our 30th anniversary in 2014!  A big THANK YOU you to our clients & the community for making this possible!