Monthly Archives: October 2020
Defending Yourself From a Florida Foreclosure: Part 6
Keep Detailed Records of Everything! In our series on foreclosure defense, we’ve discussed how important evidence is to your case. We’ve also hammered home the point that your best defense is a good offense when it comes to fighting to keep your home. Don’t enter into a battle against a big bank without a… Read More »
Defending Yourself From a Florida Foreclosure: Part 5
Ask for the Original Receipts You know that paperwork is paramount when it comes to defending yourself from foreclosure, but not just any paperwork will do. It’s the originals that you must demand when going through the process of discovery. During discovery, you have an opportunity to ask written questions and make written demands documents,… Read More »
Defending Yourself From a Florida Foreclosure: Part 4
Ask for Documents As a Florida homeowner, there is nothing more important than protecting your rights and ensuring the safety and stability of your home for your family. In difficult situations, however, the task can feel insurmountable, especially when your opponent is a goliath banking institution. We’re here to tell you, it’s not impossible…. Read More »
Defending Yourself From a Florida Foreclosure Part 3
The best defense is a good offense You’ve been given a complaint for foreclosure. You’re facing down the enormous Goliath-like bank or mortgage company and you feel so small and powerless. You want to run and hide, disconnect the phone, cut your losses and move to another country. We’re here to tell you that… Read More »
Defending Yourself From a Florida Foreclosure Part 2
Keep the faith and educate yourself so you can keep fighting Your home is so much more than a building with walls and a roof that houses your belongings. It is full of memories and warmth. It houses the ones you love and protects your family. A home means security, comfort, belonging, providing and… Read More »
Defending Yourself From a Florida Foreclosure Part 1
Education and representation Are we counting down to doomsday? Sometimes it feels like it. And in the current climate within the court system if it’s not doomsday, it certainly feels like the clock is winding down. 12:01 AM on October 1st, that was the final deadline for the extension provided by Executive Order (EO)… Read More »
I’m Behind in my Mortgage Payments…Now What?
You lost your job. You became ill. COVID-19 shut down your company. And now you’ve fallen behind on your mortgage payment. There are any number of legitimate reasons for not being able to pay your mortgage. So, what can you do? First, don’t panic. You have options and you can get help. Step 1… Read More »
How Can I Find Out if My Florida Mortgage is Federally Backed or Not
With the news that Florida is not protecting homeowners from foreclosure during the COVID-19 pandemic as of October 1st, now the only protection Floridian homeowners have is if their mortgage is federally backed. Nationwide, nearly half of the mortgages that exist are either owned or backed by Fannie Mae or Freddie Mac. Those that… Read More »
Using a Loan Modification to Avoid Foreclosure
Struggling to make your mortgage? Worried about foreclosure? If you’re a homeowner and that mortgage is daunting to pay every month, a loan modification may just be your saving grace. With a loan modification you can make permanent or provisional changes to your loan, avoid default and foreclosure and stay in your home. Here’s… Read More »
Why You Must Act Within 20 Days of Receiving a Lis Pendens
You missed a mortgage payment. Now what? When you miss your first mortgage payment your lender is required to send a Notice of Default before the true foreclosure process begins. If you receive this notice, do not take it lightly. This is your opportunity to contact your lender or seek legal counsel before you find… Read More »
