Losing your home to foreclosure can be a scary and stressful experience. You may wonder if your credit will ever recover and how you will be able to provide another home for your family. Foreclosures can cause people to experience embarrassment, anxiety, and a host of other negative feelings. Unfortunately, home foreclosures are too common in Sunrise, Florida. If you are on the brink of foreclosure, there is still hope. Foreclosure does not need to happen to you. Even before you are served with a formal foreclosure notice, there are steps you can take to potentially halt the process in its tracks. If you have already been served, there still may be avenues to explore that may enable you to keep your home. However, at this point, it is critical to consult an aggressive and skilled foreclosure defense attorney.
Carlos M. Amor is an experienced Sunrise, Florida, foreclosure defense attorney who will help you strategize a path forward and stand up for your rights when needed most. He has successfully helped many other homeowners, just like you. Call our law firm today at (954) 453-7200 to arrange a free consultation where you can get your questions answered, have your case analyzed, and learn about your rights and potential options. Our office offers free consultations via phone, video meeting, or in person for our clients’ convenience.
SUNRISE, FLORIDA, FORECLOSURE ATTORNEYS KNOW THE LAW
Reach Out to a Knowledgeable Lawyer for Help
Lenders cannot put padlocks on your home and throw you out when you fail to pay the mortgage. Under federal consumer protection law, they must generally wait until you have missed payments for 120 days or more before they can foreclose. Before your time is up, they must inform you of possible loss mitigation opportunities. These include loan modifications, short sales, repayment plans, and other options.
Carlos M. Amor is an experienced Sunrise, Florida, foreclosure defense lawyer. Call our office now to discuss loss mitigation options for your circumstances and how we can help you.
DELIVERING GENUINE DEBT SOLUTIONS WITH POWERFUL SAVINGS
Learn How a Sunrise, Florida, Foreclosure Defense Lawyer Can Help
If you have begun receiving notices of a foreclosure filing or had a previous foreclosure that was dismissed, our firm may be able to obtain a reduced payoff for your current mortgage through a refinance. If you have been in default for years, your new mortgage holder may be willing to accept a payment much less than what is “legally” owed on the mortgage to release the lien. If you meet a list of explicit requirements and you qualify, we may be able to find you a loan that would pay off the prior mortgage at a reduced and negotiated price. This “short pay” negotiation could shave off significant amounts from your current mortgage debt. Contact us today to find out if our pre-foreclosure debt reduction service is an option. Call (954) 453-7200 to arrange a free consultation by phone, via video meeting, or in person.
Frequently Asked Questions (FAQ)
What is a foreclosure?
A foreclosure may occur when a homeowner cannot continue making the requisite mortgage payments to their lender. When the homeowner stops making their mortgage payments, the lender may seize the property and sell the home to recover the money they lent to the homeowner. Your mortgage contract should stipulate the rules regarding foreclosure.
Why does Florida have so many foreclosures?
Many Florida residents work in tourism, and when tourism slows down, jobs are lost. Many people find it difficult to continue making their mortgage payments without a job. When you miss too many mortgage payments, the bank can foreclose on your house. In Florida, the foreclosure rates are often linked to the health of the tourism industry.
Is a foreclosure ever called something else?
Usually, when people talk about a lender taking away a person’s home, the word foreclosure is used. However, sometimes the process is referred to as a . . .
- Taking
- Repossession
- Confiscation
- Expropriation
- Arrogation.
If you are late on your mortgage payments and your lender has used any of these words, you should speak with a local Sunrise, Florida, foreclosure defense attorney about your legal options.
What are the phases of foreclosure?
There are usually six phases in the foreclosure process:
- Payment default
- Notice of default
- Notice of trustee’s sale
- Trustee’s sale
- Real estate owned
- Eviction.
If you find your family in foreclosure, you should speak with a foreclosure defense attorney in Sunrise, Florida, to learn more about your rights and legal options.
What is a foreclosure period?
Before your lender officially forecloses on your home, you will be given 30 days to fulfill your mortgage obligations. It is best to speak with a foreclosure defense lawyer in Sunrise, Florida, before these 30 days are up.
How long is the foreclosure process in Sunrise, Florida?
The timeline of your foreclosure process can vary. It is usually between eight and fourteen months, but if you hire a real estate lawyer in Sunrise, FL, it can take longer. This can buy your family valuable time necessary to stop foreclosure. From the date of your mortgage default to the lender’s filing a Complaint, it often takes 30 to 90 days, although 60 to 90 days are more common.
Next, the bank receives a case number for their lawsuit. Once they have the case number, they will serve the homeowner. This process usually takes around two weeks, although it could take longer if the bank has difficulty serving the homeowner.
At this point, if you have not yet sought out the services of an experienced Sunrise, Florida, foreclosure defense lawyer, you should consider doing so. Time is running out to take action, and your window of opportunity is beginning to close. A skilled foreclosure defense lawyer may still be able to find a way to help you keep your home.
SERVED WITH A FORECLOSURE COMPLAINT IN SUNRISE, FL?
Protect Your Residence with the Help of a Skilled Foreclosure Defense Lawyer in Sunrise, FL
Lenders must go through the Florida courts to start the foreclosure process. This is called a judicial foreclosure, where the lender files the lawsuit with the local court. Homeowners facing foreclosure are served with a foreclosure complaint. They then have 20 days to respond in writing. Litigation begins after your response. If you do not respond quickly, your home will likely be taken and sold. It is important to respond quickly if you want to keep your home. Legal assistance at this time is highly recommended to help you navigate the complex foreclosure process. In a foreclosure case, your first steps are crucial, including how you respond to the complaint.
Carlos M. Amor is a skilled Sunrise, Florida, foreclosure defense lawyer. He will review your case to determine the appropriate defense. Then he will prepare a response to increase your chances of a satisfactory outcome and file your paperwork for you. Work with an attorney who has in-depth insight into Florida foreclosure law by calling (954) 453-7200 today.
LENDERS CAN MAKE MISTAKES
We Will Present a Strong Line of Defense to Keep Your Sunrise, Florida, Home
You or your lawyer can raise various defenses in your foreclosure case. The lender might have made a mistake or not followed proper legal procedures before filing a foreclosure suit. However, if lenders aren’t promptly called out on their mistakes, through methods afforded by Florida law, you will be unable to mount a substantive defense or counterclaim. There are a variety of mistakes lenders make. Here are some examples:
- Mistakenly increasing escrow payments or insurance premiums
- Failing to provide written notice of your default
- Not paying property taxes on time
- Unfairly denying your loan modification request
- Failing to provide you with loss mitigation options.
If you suspect a mistake, the best action is to send a formal Notice of Error immediately. You can also request records associated with your account through a written Request for Information.
Contact our law office for immediate help to get started on that process before you file your first response. Additionally, if you have been in foreclosure for years or if your lender is resurfacing years after you “won” your previous case, there still may be time to prepare a proper defense. Lawyer Carlos M. Amor can help you develop an effective strategy.
IN DANGER OF LOSING YOUR SUNRISE, Florida, HOME? DON’T GIVE UP!
A Sunrise, Florida, Foreclosure Defense Lawyer Will Help Minimize Your Losses
Moving out of your home during a foreclosure will not erase your debt. Your mortgage company or lender can still collect your unpaid mortgage in an action for deficiency judgment. This will destroy your credit, making purchasing or renting another home exceedingly challenging.
We are committed to helping you find the right solution during your foreclosure. Understanding your legal alternatives is an important part of the process. Foreclosure attorney Carlos M. Amor will work to ensure that you understand all your options. We will help you determine the best strategy for your case. Our goal is to help you keep your home and reduce the negative financial impacts of foreclosure.
Attorney Carlos M. Amor offers free consultations via phone, video meeting, or in person. Call us at (954) 453-7200 to schedule your consultation.
REACH OUT TO AN UNDERSTANDING FORECLOSURE ATTORNEY IN SUNRISE, FLORIDA
Give Yourself a Real Opportunity When Your Home is Jeopardized
If you are ready to fight for your home, foreclosure defense attorney Carlos M. Amor will help you develop a strategy to prevent foreclosure and keep your home. We take great pride in successfully helping clients through these difficult times. We are only a phone call away to help you fight for your home.
Our foreclosure defense lawyer in Sunrise, Florida, has extensive experience in all real estate-related areas, including foreclosures. It is wise to work with an experienced foreclosure defense lawyer when your home is threatened. With our legal help, the chances of a satisfactory outcome are much improved.
Call us at (954) 453-7200 today to schedule a time to speak with us. Attorney Carlos M. Amor offers free consultations via phone, video meeting, or in person.
