Real Estate foreclosure is a common problem in Florida, especially when the housing market becomes volatile. However, every real estate owner’s situation is unique and requires personalized foreclosure defense strategies. Whether you want to keep your real estate and prevent foreclosure through loan modification or bankruptcy, or walk away from your real estate without being responsible for any of the debt via short sale, the experienced foreclosure attorneys at Florida Law Advisers, P.A., can help.
Florida Law Advisers, P.A., has years of experience helping commercial real estate and homeowners facing all types of foreclosure defense and loan modification matters. Our Hillsborough County foreclosure defense lawyers will carefully evaluate your situation and advise you of your options: a loan modification, short sale, Estate Planning, or bankruptcy. We will develop a comprehensive legal strategy to help solve your foreclosure lawsuit and monthly mortgage payment problems.
Our foreclosure defense attorneys always listen carefully to our Tampa & Orlando clients to develop a detailed step-by-step foreclosure defense designed around their specific needs. Real estate owners have options for fighting the foreclosure notice. Our Tampa foreclosure defense attorneys want to ensure our clients choose the best strategic plan for their foreclosure defense.
Can Homeowners in Foreclosure Afford a Good Foreclosure Lawyer?
Florida Law Advisers, P.A., like many other good law firms, wants to provide the property owner facing foreclosure matters with sound legal advice and foreclosure defense solutions, not adding to your financial burden.
Our initial foreclosure consultation for legal services is free, and we offer flexible payment options to all clients involved in mortgage foreclosure procedures.
Our Real Estate lawyer will work with you to develop a payment plan you can afford. We accept many forms of payment and offer our clients the choice of either a low-cost, flat fee or a low-cost hourly fee.
Regardless of the option you choose, you will find that Florida Law Advisers, P.A., charges less than many competing home foreclosure defense attorneys in the Tampa Bay area.
Frequently Asked Questions
Chapter 13 is a reorganization bankruptcy; it allows Florida homeowners to reorganize debt into a more manageable payment. Also, it may provide up to five years to catch up on missed mortgage payments without being charged any additional interest. A Tampa foreclosure defense lawyer can help navigate this process for you.
In a Chapter 13 case, you can apply for a loan modification. You can also contact the bank directly to apply for loan modifications. Hiring an attorney for loan modifications is not required, but it may help to make the mortgage modification process more manageable and increase your chances of approval. Our Tampa Bay area foreclosure attorneys can provide legal advice and chart the best course of action for your foreclosure case.
When a Chapter 7 or Chapter 13 case is filed, an automatic stay is instantly put into effect. The automatic stay is a federal law that stops all forms of collection activity, including foreclosure auctions already scheduled to occur. Consult a Tampa foreclosure lawyer for legal advice and the best course of action for your particular foreclosure case.
Often, after a foreclosure auction, there will not be enough funds from the sale to pay the loan in full. In such cases, the bank may sue the borrower for the remaining balance (deficiency), whether Floridian or out of State. Additionally, the bank will usually add interest, late penalties, and legal fees to the balance. However, Chapter 7 or Chapter 13 may be able to stop the bank from suing you and discharge the debt in full.