Florida Foreclosure Defense Attorney

There is nothing more devastating than losing your home. Yet, because of today’s troubling economy, thousands of Floridians have lost their homes or are on the verge of foreclosure.  If you have fallen behind on your mortgage payments, you could be served a notice of foreclosure from your bank, lender, or mortgage company. If you are facing foreclosure, you are probably experiencing overwhelming feelings of anxiety, worry, and fear over losing your home.  Although it may seem like there is no hope for saving your home, the truth is there is hope! As an experienced Florida foreclosure defense attorney, I can advise you of your best options and help you take the necessary steps to protect your home.

Defending Against Foreclosures

During the housing boom of 2004-2007, lending companies gave away subprime mortgages left and right, even if a buyer was not qualified for a loan. As a result, thousands of people who would have otherwise not been able to afford their mortgage payments were given a loan. However, because these people did not have the income to pay their home loan, they began to default.  In addition, even people who would have normally qualified for a standard prime loan were deceptively given a subprime loan.

Furthermore, many lending companies were also engaging in predatory lending schemes. When a lending company deceives a borrower into signing a loan with unfair terms, it is considered predatory lending. In many cases, a borrower signed a loan with a clear understanding of the terms, but then the lender deceptively gave the borrower another loan without his or her knowledge. The terms of the new loan were often impossible to meet and left the borrower vulnerable to foreclosure.

What Can I Do?

If you have been served a notice of foreclosure, you have the right to stand up to the mortgage or lending company and fight to protect your home.  However it is important to act quickly. Once you have been served the legal papers stating your home is being foreclosed, you only have 20 days to make a legal response. An aggressive and experienced foreclosure attorney can help you take the necessary steps to avoid foreclosure.  

The following is a list of just some of ways in which you can avoid losing your home to foreclosure:

1. You can sell your home to a third party during the foreclosure. Although your home will probably be sold below market value, you will avoid having a foreclosure listed on your credit history.
2. You can try to negotiate a payment plan with your bank, lender, or mortgage company. This is commonly referred to as a loan modification agreement.
3. You can hire an attorney to litigate the foreclosure in court. An attorney may be able to prove the lender or mortgage company made some sort of mistake or engaged in deceptive schemes.
4. File for Chapter 13 bankruptcy to repay the arrears on your mortgage over time.
5. Reinstatement: If at any point during the foreclosure process you can come up with the money for your late payments, the bank is required to give you back your home and dismiss the foreclosure.

Contact Florida Foreclosure Defense Attorney
As you can see there are many options you can take to fight your foreclosure. If you have been served a notice of foreclosure, it’s important to contact an experienced and knowledgeable Florida foreclosure defense attorney immediately. Although you could represent yourself in these legal matters, skilled attorney will greatly increase your chances of keeping your home. I can evaluate your situation- and negotiate with your lender to reach an agreement that works in your best interest. I know this is an incredibly stressful and frightening time in your life, and that’s why I am committed to helping you stay in your home at all costs!

Don’t let the mortgage and lending companies take back the place you love to call home. As an experienced Florida foreclosure defense attorney, I can guide you through this complex legal process so you and your family can stay in your home. To schedule a consultation, please call (386) 677-6241.

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