The Florida Keys are filled with beautiful properties owned by full-time residents and those who visit both regularly and occasionally. From Key Largo to Key West, the atmosphere is incredible. The combination of spectacular scenery and gorgeous weather makes owning property in the area a dream come true for so many.
That dream, however, is not inexpensive. The cost of living is high: property maintenance and insurance can be exorbitant. It is not surprising that the expenses of property ownership in the Florida Keys, combined with the volatile financial position of many in today’s economy, result in numerous foreclosures in the area each year. Many property owners face financial difficulties and simply cannot afford to pay their mortgage and expenses.
Foreclosures in the Florida Keys are commonplace.
If you are struggling to save your property, the help of a Florida Keys foreclosure defense lawyer is invaluable. This professional can advocate on your behalf and identify the right solution for your specific problem.
Attorney Carlos M. Amor is well-versed in managing foreclosures in the Florida Keys and is committed to providing his clients the very best service. Reach out to Mr. Amor today at 954-453-7200 to schedule a free consultation in person, over the telephone, or through video conferencing, whatever is most convenient for you.
Why Work with Carlos M. Amor?
You Need the Advice and Guidance of a Skilled Legal Professional
When facing foreclosure, engaging a seasoned foreclosure attorney to review your situation, identify your options, and guide you through identifying and optimizing the best process for your situation is a wise decision. Without a doubt, the investment you made in the property in question is significant, and protecting yourself and your financial future is important.
The laws governing foreclosure in Florida are complex. As such, it is unlikely that you have the knowledge and experience to manage the process appropriately. Identifying the right attorney for you should be your first course of action. You want to work with a foreclosure attorney whose commitment, experience, knowledge, background, and approach best meet your needs. Consider why those facing foreclosure in the Florida Keys reach out to Carlos M. Amor.
- Commitment: First and foremost, Carlos M. Amor is dedicated to helping property owners in the Florida Keys who are facing foreclosure. He understands and appreciates the impact foreclosure has on your financial and emotional well-being. Identifying the best solution for your situation while minimizing the stress you are under are his primary concerns. He will work tirelessly on your behalf.
- Experience: For more than 15 years, Mr. Amor has been defending Florida residents who are dealing with foreclosure. He recognizes the specific challenges facing property owners in the Keys and knows how to address foreclosures in the area.
- Background: In addition to his legal background, Mr. Amor is also a licensed real estate broker. This combination provides Mr. Amor a unique perspective in providing services to his foreclosure clients.
- Knowledge: The laws governing foreclosure in Florida are incredibly complex and the process detailed and time consuming. Mistakes can be costly, impacting you far into the future. Carlos M. Amor leverages his knowledge of real estate law and the foreclosure process to help his clients every day.
- Approach: Carlos M. Amor is well known, not only for his understanding of the law and reputation for success, but also for the compassionate manner in which he handles all of his cases. Foreclosure is one of the most traumatic situations one can face. The prospect of losing your home and causing damage to your credit and reputation is frightening. Helping his clients through these difficult times is where he excels. His clients are treated with the kindness they need and the respect they deserve. He is always available to answer their questions and address their concerns. His clients’ Testimonials speak volumes.
Reach out to Carlos M. Amor today for a free consultation. During this meeting you can share the specifics of your situation and learn how he can best support you during this challenging time.
What Carlos M. Amor Can Do For You
Identifying Options and Managing Processes
Foreclosures are complicated; determining what to do and getting it done are formidable tasks, even for the savviest of property owners. When you work with Carlos M. Amor you can rest assured that the entire process, from beginning to end, will be handled professionally and with your best interests at heart. You can rely on him to:
- Provide a free consultation in the manner that is most convenient to you
- Gain an understanding of your goals
- Review your documents, including your mortgage and real estate contract
- Identify the reasons for your default
- Complete and file all necessary paperwork in accordance with the legal time frames
- Identify any alternatives to foreclosure
- Develop a defense strategy, if necessary
- Negotiate a plan with the lender
- Represent you in court.
Carlos M. Amor knows what to do and how to do it. Mr. Amor is well regarded in the Florida Keys and throughout South Florida as a professional on whom you can rely to manage the foreclosure process in your best interests.
Foreclosures in the Florida Keys
Frequently Asked Questions
Most people facing foreclosure have a lot of questions. The process is unfamiliar, the language complex, and the emotional impact considerable. Below we have shared some of the questions we hear most often, along with Florida Keys foreclosure defense attorney Carlos M. Amor’s responses.
How long does a foreclosure in the Florida Keys take?
The short answer is that it varies. If the foreclosure is uncontested, it may be resolved within four to six months; otherwise, time frames are longer. Carlos M. Amor, your Florida Keys foreclosure attorney, can review your case and provide a better estimate of timing.
What is a judicial foreclosure?
Judicial foreclosures require lenders to file lawsuits in order to foreclose on a property. Florida is a judicial foreclosure state. Working with an experienced Florida Keys foreclosure lawyer can be incredibly helpful during this legal process.
I do not want a foreclosure on my records, but cannot afford to pay the mortgage on my property. What can I do?
Your foreclosure attorney in the Florida Keys can review your situation and share possible options, which may include selling the property or a deed-in-lieu of foreclosure, among others.
I am very behind on my mortgage payments, but I do want to keep my home. Do I have any options?
Yes, you do. You should contact an experienced foreclosure attorney in the Florida Keys as soon as possible. Some options may include repayment plans, forbearance, modification of your loan, or reinstatement.
I believe I have received a foreclosure notice in error. Is this actually possible?
Yes, it is – mistakes happen. Your payments may have been mishandled, insurance premiums erroneously inflated, property taxes not paid in a timely fashion, and more. Carlos M. Amor can review your case, identify errors that your lender may have made, and defend you against foreclosure.
You likely have many more questions that relate to your personal situation. Contact Carlos M. Amor today to schedule your free consultation. During this meeting he can review where you stand and share the best way to proceed.
Information on Foreclosures in the Florida Keys
Understanding a Foreclosure
Purchasing property requires a significant investment; most people cannot afford to pay the entire purchase price in cash. This is where mortgages come into the picture. In exchange for lending you the money, your lender will hold a lien on the property. This provides them with the right to repossess the property if you fail to make your payments, a process is known as foreclosure. Some of the most common reasons for foreclosure include the property owner’s …
- Losing their job
- Facing illness, impacting their ability to work
- Incurring an increase in expenses.
Additionally, the terms surrounding some mortgages can change. In some cases, rises in interest rates simply make the monthly payments too high to manage.
Carlos M. Amor Can Help You Respond to a Foreclosure Notice
If you have received a Notice of Foreclosure, engaging the assistance of a Florida Keys attorney is in your best interests. Because the process takes place in the courts, it is incredibly complex.
The outcome of the lawsuit you are facing can have a long-lasting impact on your life.
Carlos M. Amor knows how to address the breadth of issues that arise with regard to foreclosure. He understands the process completely and is able to react quickly (within the 20-day response period) in order to help protect your future.
Each foreclosure situation is unique, a fact which Carlos M. Amor recognizes and respects. He leverages his knowledge of your situation and goals to identify the best options for you. In foreclosure situations, knowledge is power, and he helps you make informed choices.
The information you share and the details he uncovers through his investigation will help determine your options as well as the strategy for your case. In some instances, he will negotiate on your behalf to prevent a foreclosure, while in other situations he will work tirelessly to defend your position. In all instances you will receive his complete personal attention.
Foreclosure Defense Strategies
More often than you would imagine, the information triggering the foreclosure notice is the result of errors made by lending institutions. Some of the most common mistakes include:
- Inflating escrow payments and insurance premiums improperly
- Misappropriating clients’ mortgage payments
- Failing to issue timely notification regarding defaults
- Denying loan modification requests unfairly.
If one of these reasons, or something similar, results in your receiving a foreclosure notice, Carlos M. Amor can defend your rights.
Engage a Florida Keys Foreclosure Defense Lawyer
Protect Your Financial Future and Emotional Well-Being
Foreclosure is a problem to which there are many solutions. When you work with foreclosure defense attorney Carlos M. Amor, you can rest assured that he will identify all of your options, help to determine the best choice for your specific situation, and provide you with exceptional legal guidance.
With more than 15 years’ experience, he knows how to manage foreclosures in the Florida Keys. His reputation for providing top-notch technical representation, combined with caring and compassionate communication, makes him the attorney of choice for many in the Florida Keys.
Contact Carlos M. Amor Today
In situations where things seem to be spiraling wildly, controlling what you can is critical. If you are facing foreclosure, or believe you will be, don’t hesitate. You want to engage a qualified legal professional as soon as possible. Carlos M. Amor understands the value of time and is ready to meet with you immediately. Schedule your no-cost consultation today by contacting Mr. Amor at 954-453-7200.
