Florida Foreclosure Defense Lawyers
The foreclosure process can be exceedingly complex and time consuming, particularly for a person who has little or no legal experience or knowledge regarding Florida foreclosure proceedings. That is why we recommend that you contact a foreclosure defense lawyer as soon as possible if you have been served a notice of foreclosure.
Having a skilled Florida foreclosure lawyer at your side during the entire foreclosure process will enable you to fight to keep your home, sell your home or otherwise reach an outcome that is better for your financial situation both now and in the future. By acting quickly, you will be able to explore such options as a loan modification, short sale or filing for bankruptcy.
The Florida foreclosure process will begin with a “notice of default” when the lender notifies you that you are in default of your mortgage. You have fallen behind enough that the lender is beginning foreclosure proceedings.
The lender will then file a Lis Pendens, which is a “suit pending.” This is a lawsuit against you for your being in default, and it demands that you pay the mortgage in full. The Clerk of Court will record the Lis Pendens and you will be served.
You will then have 20 days to file an answer with the court in regards to the foreclosure. By filing an answer, you will then have the opportunity to represent your side at a hearing overseen by a judge.
If you are unable to successfully contest the foreclosure, or work out a loan modification or short sale, the judge will set a foreclosure sale date which will usually be approximately 30 to 45 days following your hearing. This is when the property will be sold.
After the property sells, you no longer have the right to your property. You cannot pay off the mortgage and save your house or take any other option, unless proper procedures regarding the foreclosure and sale of the home were not followed for some reason.
The Legal Assistance Center offers practical solutions with a personal approach for your legal issues. For an appointment, contact us at 888-355-4450 or local at 561-227-1617