Your home is your sanctuary. We know that the threat of losing it because of financial difficulties is stressful and confusing. You may feel frightened and embarrassed about being hassled by your lender for missing mortgage payments. You are not alone among Florida homeowners. In recent years, times have been tough economically for many people in the state and the country. The good news is that if you have not yet been foreclosed upon, there may be ways to stop the process. Even if your lender has already formally filed the foreclosure lawsuit, another solution may be available.
Our Plantation law firm focuses in helping people avoid the financial and emotional distress of foreclosure. Real estate attorney Carlos M. Amor has a successful track record of helping clients keep their homes. He will carefully analyze all the details of your situation to develop the most effective legal strategy for your circumstances.
Call us at (954) 453-7200 to arrange a consultation with a skilled Plantation, FL, foreclosure attorney. For our clients’ convenience, our office offers free consults, by phone, via video meeting or in person.
Why Trust Carlos M. Amor with Your Case?
Plantation, FL, foreclosure lawyer Carlos M. Amor has the demonstrated experience necessary to successfully take on mortgage lenders and achieve positive outcomes for homeowners. His background includes:
- 15 years of experience focusing in foreclosure defense and real estate litigation in South Florida
- Extensive complementary experience as a licensed Florida real estate broker
- A top rating by his professional peers for his legal knowledge and ethics.
As a Miami native who has always called the Sunshine State home, Carlos M. Amor has unique insight into the problems financially struggling Florida homeowners face. When you trust him with your foreclosure case, he will work compassionately to get you the best possible resolution.
What to Do During the Pre-Foreclosure Period
Losing Your Home Does Not Have to Be a Done Deal
Prior to foreclosure, there is a period called pre-foreclosure. This period is after a homeowner has missed mortgage payments but before they have received official notice that they are being foreclosed on. During this pre-foreclosure period, your lender must, as required by law, inform you in writing of ways that you may be able to avoid foreclosure if you qualify. Options for avoiding foreclosure and keeping your home, depending on your situation, may include:
- A mortgage forbearance. Forbearance allows the borrower to temporarily halt or reduce mortgage payments until their financial situation improves.
- A loan modification, in which the lender agrees to change the terms of a loan to reduce monthly payments.
- A repayment plan that allows repayment of missed payments over time.
If your goal is not to keep your home, but simply to avoid the financial fallout of foreclosure, there may be other options, such as a short sale or deed in lieu of foreclosure. In a short sale, your lender would let you sell the property for less than you owe and, ideally, you would not be responsible for the remaining debt. With a deed in lieu of foreclosure, you essentially give the house back to the bank, but you don’t have a foreclosure on your record.
There Are Advantages and Disadvantages to These Options
All these possible options have advantages and disadvantages. Carlos M. Amor will help you understand what they are in light of your circumstances. He will then work to try and get you the best possible solution that avoids foreclosure.
How Our Plantation, FL, Foreclosure Lawyer Can Help
There are many confusing steps in the foreclosure process. Carlos M. Amor will help by relieving your confusion and ensuring you understand your rights and responsibilities throughout the proceedings. He will:
- Educate you about the possible loss-mitigation opportunities you may have and work to negotiate an opportunity with your lender
- Investigate whether errors were made in loan servicing
- Ensure your lender was in compliance with the law throughout pre-foreclosure and foreclosure
- Handle all communications with your lender
- Prepare and file all necessary paperwork with your loan servicer, lender, or the court
- Be available to address all your concerns in a timely way throughout the legal process.
You can rest assured that Carlos M. Amor is a conscientious and experienced attorney who will work to develop the strongest possible foreclosure defense for you based upon your situation.
Florida Foreclosure FAQs
Carlos M. Amor Provides Answers to Common Questions
Foreclosure can be a confusing process, and it is not unusual to have many questions. Here are answers to some of the most common questions our law firm receives. To have concerns addressed that are specific to your foreclosure case, reach out to speak to Plantation, FL, foreclosure attorney Carlos M. Amor.
What if I believe my lender made a mistake?
Mortgage lenders are not infallible. They may make loan-servicing errors, such as incorrectly applying mortgage payments, wrongly increasing escrow payments, or not paying impounded property taxes, that could potentially lead to foreclosure actions. If your lender is threatening foreclosure and you believe they have made a mistake, contact them in writing through a formal notice of error right away to explain that you believe there was a mistake. If you are unsatisfied with their response or if they do not respond in a timely way, reach out to Carlos M. Amor for legal help.
How does the Florida foreclosure process work?
Florida uses a judicial foreclosure process. Lenders go to court and file a foreclosure lawsuit to officially begin foreclosure proceedings. Once a lawsuit is filed, homeowners are served a complaint that they must respond to in writing within 20 days providing any defense they have to the foreclosure. If you don’t respond within that tight timeframe, the court will likely allow the foreclosure to proceed.
How many payments can I miss before foreclosure starts?
In general, lenders cannot file a foreclosure lawsuit with the court until homeowners are more than 120 days past due on payments. Prior to the official foreclosure filing, you should be given opportunities to avoid foreclosure. Our foreclosure lawyer in Plantation, FL, can explain possible options for keeping your home, based upon your unique situation.
How long does foreclosure take?
The answer to this question is that it depends. If you do not fight the foreclosure, it can take just a few months from the time your lender files for foreclosure with the court until your home is sold. If you wish to fight to keep your home, the process will typically take significantly longer as your case goes through the litigation process. If your goal is to stay in your home or to resolve the mortgage issue with the least amount of stress on you or your financial situation, reach out to our Plantation, FL, foreclosure lawyer for knowledgeable assistance.
Don’t delay when your home is at stake. Reach out for help today. Call our Plantation, FL, law firm today to arrange a consultation by dialing (954) 453-7200. Attorney Amor offers free consults, by phone, via video meeting or in person.
Our Foreclosure Defense Attorney in Plantation, FL, Stands Up for Clients
There are various defenses that may be used to fight foreclosures. One example defense to foreclosure is that the lender or loan servicer failed to follow specific notification timelines and steps during pre-foreclosure and foreclosure. Other defenses could be that the lender/servicer failed to correct mistakes in servicing the loan, or the lender filed the foreclosure lawsuit outside of the five-year statute of limitations. These are just a few examples.
There are many intricacies and complexities within state and federal foreclosure laws, and laws may also change, which can affect defenses. Once our foreclosure defense attorney in Plantation, FL, Carlos M. Amor, understands your individual situation, he can counsel you about your possible options for fighting foreclosure. Please understand that it is highly important to work with a foreclosure attorney as soon as possible in the foreclosure process. How you respond to the initial complaint from your lender can affect defenses you may be able to use later in court.
Reach Out to a Knowledgeable Foreclosure Lawyer in Plantation, FL
Carlos M. Amor Fights Aggressively for Homeowners’ Rights
If you are a Florida homeowner who cannot meet your mortgage obligations and are being threatened with foreclosure or are already in foreclosure, you have come to the right place for help. Our foreclosure lawyer in Plantation, FL, is passionate about standing up for the rights of individuals and families who are in danger of losing their homes due to financial hard times. Reach out to him for a free consultation so he can learn how he may be able to help you stay in your home or obtain another outcome within your goals that avoids foreclosure.
Call our law firm at (954) 453-7200 to schedule a time to speak with our Carlos M. Amor. For the convenience of clients, Attorney Amor offers free consults, by phone, via video meeting or in person.