Category: Foreclosure Defense
Category: Foreclosure Defense
You Don’t Need to “Assign” Your Rights: Claiming Funds as the Owner of Record
- February 24, 2026
- Foreclosure Defense Real Estate
The Florida statute governing foreclosure surplus provides direct rights to the former homeowner, who is the owner of record. Many people receive letters claiming they must sign an "Assignment of Rights" to recover their money. Florida law says otherwise. Recovery companies often present assignment agreements as the only path to surplus funds. This creates unnecessary confusion and may cost former homeowners thousands in fees. The truth is simpler: if you wer[ ... ]
Did You Get a Letter Saying You Owe 30%? Florida’s 12% Fee Cap Explained
- February 20, 2026
- Foreclosure Defense Real Estate
A letter arrives claiming you have surplus funds from a foreclosure sale. The company offers to recover your money for a 30% fee. Before you sign anything, Florida law has something important to say about surplus funds recovery fees in Florida. Many former homeowners receive these letters. The funds often sit unclaimed with the court clerk for a long time after the property loss. The amounts often reach thousands of dollars, making a 30% cut feel like a secon[ ... ]
How Foreclosure May Help You Complete a Loan Modification in Florida
- July 14, 2025
- Foreclosure Defense
Most Florida homeowners facing foreclosure view it as the end of the road. The thought of losing a home is emotionally overwhelming, and the legal process itself can be difficult to navigate. However, what many people don’t realize is that foreclosure does not always mean losing your home—and in some cases, it may even serve as a critical opportunity to se[ ... ]
What to Expect During Foreclosure Litigation in Florida
- June 17, 2025
- Foreclosure Defense
Nobody expects to find themselves in a foreclosure situation. In fact, the opposite is true. Buying a home is often a milestone of financial stability and personal achievement. Unfortunately, life doesn’t always follow a predictable path. Unforeseen hardships—such as sudden job loss, medical emergencies, divorce, or rising living expenses—can throw even the most financially responsible homeowners off course.[ ... ]
What Is the Best Way to Prevent a Foreclosure?
- May 9, 2025
- 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 the best way to stop foreclosure? If your home is on the verge of foreclosure, don’t panic — an attorney may be able to help you choose a strategy to prevent it. What Is the Best Way to Preven[ ... ]
Selling Your Florida Home After Foreclosure: Understanding the Process
- February 16, 2025
- Foreclosure Defense Real Estate
Foreclosure is one of the most stressful processes a homeowner can go through. If you’re facing foreclosure, you may be able to take steps to minimize negative consequences. Understanding the foreclosure process in Florida is a good place to start. If you’re considering selling your home after foreclosure or just need help navigating the foreclosure process, you need an experienced real[ ... ]
Can You Sell Your Home in Foreclosure in Florida? Know Your Options!
- February 11, 2025
- Foreclosure Defense Real Estate
If you’re a homeowner struggling to keep up with mortgage payments, selling your home and using the proceeds to buy something smaller and less expensive is often the best course of action. Even if your lender has already initiated foreclosure proceedings, it’s not too late to sell. Selling your home during foreclosure may be more complex than it seems, but it’s not impossible. Here’s a guide to understanding the foreclosure timeline in Florida so you can see[ ... ]
Foreclosure Mediation in Florida: What Homeowners Need to Know
- February 3, 2025
- Foreclosure Defense
The feeling of finally owning your own home after putting in a lifetime of working toward that goal is indescribable. But that wonderful feeling can go away in an instant if the bank forecloses on your property. A Florida foreclosure can be difficult to prevent once you receive a breach letter. At that point, the bank has already involved lawyers and typically believes it is financially better to proceed than to offer alternative options. However, this doesn’t mean[ ... ]
Florida’s Deficiency Judgment Laws: What Happens After Foreclosure?
- January 10, 2025
- Foreclosure Defense
Foreclosure is the end no property buyer wants. Yet, foreclosures are a regular, expected part of the real estate industry. Deficiency judgments are a regular part of foreclosures, but what is a deficiency judgment? A deficiency judgment is an avenue for the mortgage lender to recoup funds after a foreclosure sale from the original borrower. Need help with foreclosure issues? Contact The Law Office of Carlos M. Amor, P.A. for a free consultation by phone[ ... ]
Top 5 Mistakes to Avoid When Selling a Home in Foreclosure
- December 15, 2024
- Foreclosure Defense Real Estate
Facing foreclosure in Florida can be stressful and overwhelming. There are a number of ways to avoid the process, such as by paying off your mortgage or redeeming your debt. However, these options are often not a possibility for those dealing with potential foreclosure. Still, that doesn’t necessarily mean you will need to go through court proceedings. Many lenders are willing to negotiate alternatives like short sales. If you choose to sell your home to prevent th[ ... ]
