Florida Foreclosure Defense Basics

Foreclosure Defense is a one-two-three punch of legal defense within the court system, financial planning, and debt solutions that are determined outside of the courts. Beyond providing a legal defense for you when you and your family are faced with a foreclosure, a foreclosure defense attorney will conduct a thorough financial analysis of your debts and assets, and help you find the best possible route out of your financial trouble so that you have a better chance of keeping your home.  Foreclosure defense attorneys also conduct negotiations with your creditors, particularly your bank or mortgage company who is foreclosing on your loan. 

Make no mistake – a foreclosure process is indeed a legal process that can happen quickly and you will need the assistance of a legal professional to put up a fight for your home. Foreclosure defense attorneys will help you delay a foreclosure or, in many cases, avoid a foreclosure altogether, by providing you with the legal defense you need to stop the mortgage company from taking your home and taking advantage of corporate loopholes in the process.  They will have lawyers on their side; you should do the same if you want your legal rights protected. 

When you are given a foreclosure summons, you will have 20 days from the date you receive your summons to respond in writing or lose the right to do so.  In Florida, the foreclosure process can take several months or it can go quickly, depending on the particular circumstances around your foreclosure and whether the courts in your particular jurisdiction are backlogged with foreclosures.  Particularly if you have missed a payment on your mortgage, you should contact a foreclosure defense attorney who islicensed in Florida and can give you an estimate of the timeline of foreclosures in your area of the state.