Aggressive Defense Against Foreclosure
It’s a frightening thing, facing the loss of your family home because you lost your job or can’t keep up with your debts. It may help to know that there are ways to prevent foreclosure, right up until the final day it goes to the hearing.
At the Florida Debt Relief Center, LLC, we are ready to help. It all starts with a phone call to (954) 535-9905 or e-mail contact to schedule a free consultation at our offices in Fort Lauderdale or West Palm Beach. Since 1991, we have helped thousands of people just like you avoid foreclosure. We offer a 100% money back guarantee on our bankruptcy services, which means you owe us no attorney fees if we can’t help you get a fresh start through bankruptcy. We serve clients throughout South Florida.
Don’t Let the Threats of Foreclosure Overwhelm You. We Won’t.
You have too much to lose by hoping this problem will go away by itself. You know it won’t. A foreclosure can be devastating to a family. The security that a home brings to the safety and welfare of a family is irreplaceable. If you are facing a foreclosure it is important to seek the advice of an experienced attorney immediately. Our lawyers will act immediately to defend a foreclosure and take further steps to save your home. There is no need to panic.
The threat of losing your home can be overwhelming. Since lenders must file papers in the public records you are probably receiving hundreds of mailers from non-attorneys promising you that they can help you. Please be aware that many times the promises offered are empty. Far too often, they are from unscrupulous companies that ask for up-front fees, then do nothing while you ultimate lose your home.
By hiring an attorney and fighting the foreclosure it is very possible to save your home or, at a minimum, give you plenty of time to figure out the best option for you. For example, saving a home that is underwater (where you owe far more than the house is worth) may not be worth saving at all. But that doesn’t mean you should panic and run out and rent an apartment or move in with family. You have plenty of options.
An aggressive defense may allow you to:
- Postpone or stop foreclosure of your home
- Allow time to sell your home
- Negotiate a payment workout to reinstate your loan
- Get a new job so that you can afford to keep your home
You have rights. Banks must follow the law when initiating a foreclosure. This is why it is very important to hire a knowledgeable attorney. Failing to do so may allow a bank to take advantage of you and improperly foreclose on your property. Time is of the essence. Under Florida law, after a foreclosure sale has been conducted, the sale is final and you will have lost all your rights to save your home. Once you are served with a foreclosure action, you will only have about twenty (20) days to respond. Failing to respond properly and in a timely manner will result in you losing your ability to assert your defenses and cause you to lose your home much sooner than you’d like. The homeowner also has an opportunity to raise defenses such as fraud, usury, tender of payments due, invalidity of the mortgage, and Truth-In-Lending Act violations.
Talk to us about getting a fresh start through Chapter 7 or Chapter 13 bankruptcy
In addition, a foreclosure can result in a deficiency. If there is a deficiency judgment arising from the sale, a bank will have the ability to garnish your wages and bank accounts.
Our attorneys have many years legal experience, and we take pride in helping people like you get back on their feet. Contact our law office immediately for a free consultation.
