The legal process moves quickly. You only have twenty days from the date that you were served with legal papers to file an answer with the court. Your answer needs to set forth all defenses and any counterclaims that you have against the lender. Your attorney may be able to help you prevent your home from being foreclosed (taken away from you), if you contact him or her before it's to late. They may also be able to help you work out an arrangement with the lender.

      Hiring an attorney to represent you during the foreclosure process is essential to protecting your rights as a homeowner, enabling you to make the best possible choices for your financial future.

      You can fight the foreclosure. The lender's attorney is required to follow complex statutory procedures as well as procedural requirements, however the lenders often do not follow these procedural guidelines. Our legal staff will work to find errors with the foreclosure action. When we find these errors, we file a Motion to Dismiss the foreclosure complaint. Unless the lender is able to create a valid defense, many times the courts will dismiss the case and the lender will have to begin the process over from the beginning. This allows the Homeowner time to attempt to settle with the lender, complete a loan modification to refinance your home or move out of the home without making another payment. You may also qualify for a Chapter 13 Bankruptcy and a court ordered workout program.

      If you think that you cannot afford an attorney and you are about to hire a foreclosure assistance company, ask them if they can go to court with you, or if Florida law permits them to give you any legal advise. If they are not attorneys, the answer is NO. At our law firm, Foreclosure Defense starts at $200 per month. Contact us as soon as possible to schedule your FREE initial consultation. Remember, you only have 20 days from when you were served to file your answer with the court!