Plantation, Florida Foreclosure Defense Attorney
Benefits of Hiring a Foreclosure Defense Attorney in Florida
If you have started to receive notices indicating a potential foreclosure filing, or if you’ve had a previous foreclosure case that was dismissed, the law firm of Carlos M. Amor may have a solution that can help reduce your current mortgage obligation through a refinancing process.
Carlos M. Amor can assess your specific property and circumstances. If you meet certain criteria and qualify for our program, Mr. Amor may be able to secure a new loan for you that pays off the previous mortgage at a reduced and mutually agreed-upon price. This unique “short pay” negotiation has the potential to significantly reduce the outstanding balance on your current mortgage, potentially saving you substantial sums, whether it’s tens of thousands or even hundreds of thousands of dollars.
The Advantages of Hiring Florida Foreclosure Defense Attorney Carlos M. Amor:
- ADVOCACY having Attorney Amor help you fight for your home
- PEACE OF MIND knowing an expert is reviewing your paperwork
- CONFIDENCE that your rights are protected in case of mistakes on the part of your mortgage company.
Carlos M. Amor provides clients with professional representation, legal expertise, and peace of mind, ensuring that the transaction proceeds in the most favorable manner possible.
For professional and efficient real estate and legal guidance, contact the award-winning real estate law firm of Carlos M. Amor at 954-453-7200. Attorney Carlos M. Amor provides free consultations by phone, via video meeting, or in person.
Facing Foreclosure Can Be Frightening
Facing a foreclosure is an anxiety-inducing and distressing ordeal. The looming uncertainties about the impact on your credit, securing a new home for your family, and the potential embarrassment of the situation can be overwhelming. Regrettably, in Florida, home foreclosures are a common occurrence. However, it’s important to recognize that you have options.
If you have already received a notice of default or have been served with a foreclosure lawsuit, there may still be avenues to retain your home. However, this is often a critical juncture where seeking the guidance of a seasoned and assertive foreclosure defense attorney becomes crucial.
5 Reasons to Hire a Foreclosure Defense Lawyer in Florida
- Legal Expertise: Foreclosure defense attorneys in Florida are well-versed in the state’s complex foreclosure laws and regulations. They have the legal knowledge and experience to assess your situation, identify potential legal defenses, and effectively navigate the intricacies of the legal process.
- Protection of Rights: An experienced attorney can help protect your legal rights throughout the foreclosure proceedings. They can ensure that all proper procedures are followed, review loan documents for any potential violations, and challenge improper or illegal actions taken by the lender or servicer.
- Negotiation Skills: Foreclosure defense lawyers can negotiate with your lender on your behalf. They may be able to arrange loan modifications, repayment plans, or other alternatives that can help you keep your home or minimize the financial impact of foreclosure.
- Avoiding Scams: Unfortunately, there are scams and fraudulent foreclosure rescue schemes targeting distressed homeowners. Hiring a reputable attorney provides a safeguard against falling victim to these scams and ensures that you receive legitimate legal assistance.
- Time and Stress Savings: Dealing with a foreclosure can be emotionally draining and time-consuming. An attorney can handle the legal complexities, paperwork, and negotiations, allowing you to focus on your personal and financial well-being without the added stress of navigating the process on your own.
Ultimately, hiring foreclosure defense attorney Carlos M. Amor in Florida can significantly increase your chances of achieving a more favorable outcome in your foreclosure case, whether that means keeping your home, arranging a more manageable resolution, or simply buying you more time to explore your options.
There Are Possible Defenses When Fighting Foreclosure
When facing a foreclosure lawsuit, there are several defenses that homeowners can explore, depending on their specific circumstances and the laws of their jurisdiction:
- Lack of Standing: This defense argues that the party initiating the foreclosure (often the mortgage holder or servicer) does not have the legal right to foreclose because they cannot prove they are the rightful owner of the mortgage or note. This can occur when mortgages are sold and transferred multiple times without proper documentation.
- Loan Modification or Workout Options: Homeowners may have attempted to negotiate loan modifications, repayment plans, or other alternatives with their lender. If the lender did not adequately consider these options, it could be a defense.
- Statute of Limitations: In some cases, lenders may wait too long to initiate a foreclosure lawsuit, exceeding the statute of limitations. If this happens, homeowners can raise the defense that the lawsuit is time-barred.
- Mortgage Violations: Mortgage contracts may contain provisions that the lender or servicer failed to adhere to. For example, if the lender did not provide proper notice before initiating foreclosure, it could be a defense.
- Unconscionable Terms: In certain situations, the terms of the mortgage agreement may be deemed unconscionable or overly unfair, which could be a defense against foreclosure.
- Military Service: Active-duty military personnel are protected under the Servicemembers Civil Relief Act (SCRA), which provides certain protections against foreclosure while they are on active duty.
Contact Florida foreclosure defense attorney Carlos M. Amor today at (954) 453-7200 to determine the most appropriate defenses to pursue in your case. Attorney Amor offers free consults by phone, via video meeting, or in person.
“When I received a notice in the mail in 2018 that said the bank was going to re-open my old foreclosure case I decided to take the initiative and hire an attorney before the foreclosure was filed and attempt to negotiate the debt. The total debt on my property at that point was $1.63 million dollars. Not only was Mr. Amor able to negotiate the lien with the new lender but he was able to reduce the total balance down to $625K!” –Mario S.
ATTORNEY CARLOS M. AMOR
Carlos M. Amor is a skilled and experienced attorney and real estate broker. His legal practice in South Florida focuses on real estate litigation, real estate investments, tax deed and foreclosure auction purchases, traditional real estate transactions, short sales, foreclosure defense, and civil litigation. Carlos thinks “outside the box” and takes a practical approach to finding solutions that benefit his clients. [ Attorney Bio ]