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I Can’t Make My Mortgage Payments. How Long Until I Face Foreclosure?


The threat of foreclosure is a real one, and if you find yourself struggling to make your monthly mortgage payments, the threat can begin to feel even closer. It’s important to know, however, that the legal process of foreclosure can’t begin until you’ve missed four months – or 120 days – of payments. Even after those 120 days, the length of time leading up to any kind of foreclosure sale will vary.

If you’re concerned about a Florida foreclosure, don’t delay in contacting us at Jacobs Legal today for experienced foreclosure defense.

What to do if you can’t make your mortgage payments

It may be tempting to lock your doors and hide away when you find yourself struggling to keep up with your monthly mortgage responsibility, but the truth is that’s one of the worst things you can do. The sooner you act, the more in control you’ll be of the entire process. What’s more – you may very well end up avoiding foreclosure altogether.

If you are having trouble making your mortgage payments, here are a couple of important steps to take right away:

  • Ask for help – By talking to your lender early, you may qualify for options such as a loan modification or forbearance.
  • Contact a foreclosure defense attorney – Asking for legal guidance early will put you in the best position to know all of your options as well as ensure that your rights are protected along the way.
  • Be wary of scams – Don’t fall prey to scammers trying to “help” you. Be wary of services offering to protect you or help you avoid foreclosure, especially those that require you to pay them upfront for it.

At Jacobs Legal, we know just how difficult of a time it can be when you are facing a potential foreclosure, but we also know that you always have options – many which are better than you may think! We make it our priority to ensure that your rights are upheld and we never stop fighting to help you keep the home you have worked so hard for and deserve. Get in touch with us to schedule a confidential consultation.

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