Blog - Carlos M. Amor PA

25 September 2023

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Common Mistakes to Avoid When Facing Foreclosure in Florida

Your Lender Has Filed for Foreclosure. Do You Know What to Do? In Florida, the foreclosure process occurs within the legal system through a judicial foreclosure procedure. The lender initiates this process by filing a lawsuit in court. As a homeowner confronting foreclosure, you'll officially receive a foreclosure complaint, granting you 20 days to formulate a written reply. Crafting your response involves addressing the claims of the lawsuit and presenting your defenses. It's imperative to do this within the stipulated 20-day period. Failure to respond in time, or not responding at all, could potentially lead to losing your home through sale. If you've...

16 August 2023

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How Can I Avoid Mortgage Scams in Florida?

Posted by Carlos M. Amor

in Real Estate

Do you intend to purchase a property, or are you already holding a mortgage? If you answered yes to either of the above questions, avoiding mortgage scams in Florida should be one of your top priorities. Mortgage scam or fraud refers to a type of financial crime where a party falsifies loan documents or tries to illegally benefit from a loan agreement by leveraging a loophole. While these fraudulent activities are a significant cause of concern throughout the country, they are particularly common in Florida. Victims of mortgage scams have it hard. Besides the financial losses, mortgage scams can cost you...

06 June 2023

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When Should You Hire a Foreclosure Defense Lawyer?

Posted by Carlos M. Amor

in Foreclosure Defense

Experienced Foreclosure Defense Lawyer Carlos M. Amor Facing foreclosure on your home can be a stressful and overwhelming experience, and the foreclosure process is often complicated and lengthy. This worsens the emotional toll of the situation. Hiring a foreclosure defense lawyer is essential to get you through the foreclosure process quickly and with minimal emotional impact. Foreclosure is the process by which a lender takes control of a property due to the failure of the borrower to make timely mortgage payments. Lenders typically initiate a foreclosure when the borrower is in default, meaning they have not made payments for a certain period. With...

15 September 2022

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How to Dispute Mortgage Servicing Errors

Posted by Carlos M. Amor

in Foreclosure Defense

Mortgage servicers can make mistakes. When errors are made by mortgage servicers and they are not quickly resolved, they can escalate into larger problems for homeowners, including harassment by the lender and even threats of foreclosure. If you suspect your servicer made a mistake, read on to learn the steps to discover whether your suspicions are true and how to dispute the mortgage servicing error. It should be noted that the mortgage lender that loaned you the money for your home and the servicer to whom you send your mortgage payments may or may not be the same company. Look at...

08 June 2022

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What Is One of the Best Ways to Prevent a Foreclosure?

Posted by Carlos M. Amor

in Foreclosure Defense

Unfortunately, foreclosure is something that happens to people throughout the state of Florida throughout the year. If you are facing this situation, you may wonder – what is one of the best ways to prevent foreclosure? While this is a good question, before diving into the specifics of stopping a foreclosure, it’s a good idea to learn more about it and what Florida law has to say. Florida Law and Foreclosure The state of Florida is considered a judicial foreclosure state. This means that if an HOA or bank wants to start the foreclosure process, it must receive approval from a judge. This...

18 May 2022

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Can You Buy a Home Without a Realtor?

Posted by Carlos M. Amor

in Real Estate

A home purchase is a big step and major investment, and you may be asking, “Can you buy a home without a realtor?” Concerns over having to pay out exorbitant fees or commissions to a realtor or agent can have you questioning their value in the process and whether or not you should work with one. It is true that commissions can vary, and while payment usually falls on the seller, that may not always be the case. It helps, then, to know that you are not obligated to work with a realtor or agent on the home purchase, but there...