Foreclosure
Defense
If you’re behind on your mortgage payments, or have been served with a foreclosure notice, you are certainly not alone. Florida has one of the highest foreclosure rates in the United States.
You still have options. There are a number of ways to fight foreclosure in Florida. We have the experience to fight for your you, your family, and your home. Schedule a free case evaluation today with our foreclosure defense law firm.
Are You Facing Foreclosure?
Whether you know it or not, there is a crisis going on in the Florida housing market. If you are facing foreclosure, then you are already aware of the problem.
If you’re behind on your mortgage payments, or have been served with a foreclosure notice, you are certainly not alone. Florida has one of the highest foreclosure rates in the United States.
- You may have purchased your home with the expectation that it would go up in value; instead, it has actually dropped in value: even below what you owe on it, with no foreseeable increase in value in the future.
- Perhaps you lost your job due to the economy, and your mortgage payments are now unaffordable.
- Some families are going through a struggle and are not be able to afford their mortgage, and because they cannot sell it, they find themselves in an unfortunate situation.
There are many scenarios that cause Florida families to fall into foreclosure; for example, you may have bought a second or third property as a sound real estate investment, only to find yourself in a position of facing declining values and insufficient funds to make the payments. Or, perhaps, your ability to pay has been wiped out by unexpected, massive medical bills brought about by a medical crisis.
These examples are all too common scenarios.
You still have options. There are a number of ways to fight foreclosure in Florida.
What’s Next?
Contact us today to speak with an attorney about your specific foreclosure defense situation.
We are committed to your privacy. By submitting, you agree the phone number you provided may be used to contact you by the law firm and its affiliates (including autodialed, pre-recorded calls or text messages). If you want us to contact, you without consenting to these methods of communication, call or click here.
We have the experience to fight for your you, your family, and your home. Schedule a free case evaluation today with our foreclosure defense law firm.
Understanding The Foreclosure Process
Foreclosure is a proceeding in which a lender seeks to regain property from a borrower who has defaulted on payments. All foreclosures in the state of Florida are Judicial foreclosures. They are controlled by the courts and governed by a set of guidelines. Lenders must submit to a process that defines specific actions and timelines.
In Florida Foreclosures, the lenders typically hire law firms who have proven that they can push a large amount of foreclosure cases through the court system as quickly as possible, to reduce the amount of money the lender or servicer has to spend on legal fees.
Therefore, time is of the essence in a Florida Foreclosure case. Even if you are currently negotiating a modification of your mortgage, the attorneys for the lender may be pursuing a foreclosure as well.
If you are behind on your mortgage payments, chances are the “foreclosure mill” (a large law firm churning out foreclosures at a high rate) has started processing your case for litigation. These firms will not negotiate with you once they have filed the foreclosure action.
In some cases, you will only have twenty days to respond to a foreclosure complaint before the law firm handling the case will attempt to get a default judgment against you. It’s important that you have a Florida Foreclosure Attorney respond to the complaint within that time period, as this will significantly improve your chances at keeping your home or at least buying you time to consider other options.
What Should You Do?
You DO have options if you’re facing a foreclosure. A Florida Foreclosure Attorney can help protect your rights and keep you in your home while we fight the foreclosure. Generally the lender will not accept payments once this process has been initiated. However, you are still entitled to stay in your home during the lawsuit. This means that you will be able to stay in the house without making mortgage payments until the outcome of your case is determined by a judge or settled outside of court.
In many of the foreclosure cases that are filed in Florida there are valid defenses and counterclaims which have proven to be successful in keeping homeowners in their homes. If the lender has pursued the foreclosure in violation of collection laws or the proper disclosures were not given to you at the time of closing under the Truth in Lending Act (TILA), then you may be entitled to damages as well.
A Florida Foreclosure Attorney can examine your case and identify valuable defenses on your behalf if they exist.
If you have been served with a foreclosure complaint or are behind on your mortgage payments, you need to speak with a Florida Foreclosure Attorney about your case. We can discuss your options with you and develop a course of action that protects your financial and personal interests.
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How Can We Help?
Contact our legal team today to learn how we can help fight for your legal rights.
We are committed to your privacy. By submitting, you agree the phone number you provided may be used to contact you by the law firm and its affiliates (including autodialed, pre-recorded calls or text messages). If you want us to contact, you without consenting to these methods of communication, call or click here.
“I knew I was going to win because I had them on my side. Because I had the best lawyers. That’s what I felt in my heart.”
-Craig P.