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Foreclosure Defense Attorneys in the Tampa Bay Area, Florida Foreclosure Defense Attorneys

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Foreclosure Defense Attorneys in Tampa

Home foreclosure is a common problem in Florida; however, every homeowner’s situation is unique and requires personalized attention. Our Tampa foreclosure defense lawyers always listen carefully to our clients in order to develop a detailed step-by-step strategy, designed around their specific needs. Homeowners have options when it comes to fighting foreclosure, and we want to make sure our clients choose the best strategic plan for their family. Whether you want to keep your home and prevent foreclosure, or walk away from your home without being responsible for any of the debt, Florida Law Advisers, P.A. can help.

Our Tampa foreclosure defense attorneys have years of experience helping homeowners in all types of foreclosure defense and loan modification matters. Our foreclosure defense lawyers will carefully evaluate your individual situation, advise you of your options, and develop a comprehensive legal strategy to help solve your mortgage problems.

Our initial consultation is free and we offer flexible payment options to all of our clients. Florida Law Advisers, P.A. wants to provide you with solutions, not add to your financial burden. We will work with you to develop a payment plan that you can afford. We accept many forms of payment and offer our clients the choice of either a low cost flat fee or low cost hourly fee. Regardless of the option you choose, you will find that Florida Law Advisers, P.A. charges less than many of the competing home foreclosure defense law firms in the Tampa Bay area. Contact us today by telephone, website form, email or chat to  schedule your free consultation and see how we can help you. 

Loan Modifications in Florida

If you are behind on your mortgage payment or struggling to stay current, a loan modification may provide the solution you need. Our Tampa loan modification attorneys may be able to convince your lender to modify your mortgage to achieve a lower monthly payment, eliminate late fees, drop your interest rate to as low as 2%, and even reduce the principal balance of your mortgage. As experienced home loan modification lawyers, we understand how to talk to lenders, how to get their attention, and force them to negotiate fairly with us. Our aggressive approach with mortgage companies has given our clients the opportunity to avoid foreclosure and retain ownership of their home. Our Tampa foreclosure defense lawyers can help homeowners modify their mortgage, whether they are behind on the monthly payments, in default, or even if they are current with their mortgage payments.

Read more about Florida Loan Modifications.

Challenging The Foreclosure

As a homeowner you have many legal rights that you can and should assert against your mortgage company. The lender will be fighting vigorously to foreclose on your home and you should have an aggressive Tampa foreclosure defense attorney on your side to protect your rights. With skilled and aggressive legal representation, you may be able to stop the foreclosure and even successfully countersue your mortgage company. Under Florida foreclosure law, all home foreclosure actions must be administered by a court and follow all of the necessary court procedures. The lender will have to go to court to foreclose your home which gives your attorney an opportunity to raise many legal defenses and countersue your mortgage company. For instance, if there have been violations in lending laws and practices you may be able to successfully sue your lender. To learn more about your rights and the possibility of suing your mortgage company for their illegal practices, call us to speak with a Tampa foreclosure defense lawyer today.

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Alternatives To Foreclosure

If you are struggling to keep up with your mortgage it is important to keep in mind that you have options and a foreclosure does not have to be one of them. Our foreclosure defense attorneys have helped many homeowners avoid foreclosure by taking advantage of alternatives to foreclosure. At Florida Law Advisers, P.A. we explain all of the foreclosure alternatives that our clients have available so that they can make an informed decision for the good of their family. Our Tampa foreclosure defense lawyers will answer all of your questions and discuss the potential benefits and consequences that may arise with each option. Whether you decide to pursue: loss mitigation, interest rate freeze, mortgage refinance, deed in lieu of foreclosure, loan modification, bankruptcy protection, forbearance, or a short sale, Florida Law Advisers, P.A. can help. Our Tampa foreclosure defense attorneys can develop a comprehensive legal strategy designed to accomplish your goals and work with you until you are fully satisfied with the result.

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The Foreclosure Process

If a homeowner does not have competent legal counsel, a mortgage company may be able to complete the entire foreclosure process within approximately 6 months. On the other hand, with the help of a Tampa foreclosure defense attorney at our firm, you may be able to postpone the foreclosure sale of your home for up to four years.

The foreclosure process does not begin until the mortgage company sends the homeowner a Notice of Default. Shortly afterwards, the lender will file the foreclosure action with the court and serve the homeowner with the Summons and Complaint. Once the homeowner is served with the Summons and Complaint they will have to respond with an answer to the court within 20 days. The information contained in the homeowner’s answer is very important; it can have a significant impact on the possible defenses to the foreclosure and the amount of time it will take for the lender to foreclose on the home. If your lender has already initiated foreclosure, or threatened you with filing a foreclosure action, contact us today to speak with a Tampa foreclosure defense lawyer. Our team of legal professionals can provide sound legal advice and help protect your rights throughout the entire foreclosure process.

Walking Away From The Mortgage Debt Free

If you have decided to give up on your home and walk away from the property, you should call us to speak with a Tampa foreclosure defense lawyer before taking action. Under Florida mortgage law, a lender may be able to obtain a deficiency judgment against you for the amount owed on the mortgage. The deficiency judgment may give the lender a right to seize your bank account, garnish your wages, and place liens on other property that you own. For instance, if the foreclosure sale price of the home is not high enough to pay for the balance of the mortgage, a lender may be able to obtain a deficiency judgment for the difference between the foreclosure sale price and the amount owed. This will mean that you will be responsible for paying the difference between the foreclosure price and the amount owed on the home.  However, with the help of our aggressive and skilled Tampa foreclosure defense attorneys, you may be able to walk away from the property without having to pay your lender another cent. To find out more about the possibility of walking away from your mortgage without being responsible for any of the debt, contact us today to schedule a free consultation with a Tampa foreclosure defense attorney.  

Read more about Walking Away From a Mortgage Debt Free.

Deed in Lieu of Foreclosure

A deed in lieu of foreclosure is when a homeowner voluntarily gives title of the property to the mortgage company. A deed in lieu of foreclosure can help homeowners who are interested in walking away from the property avoid the consequences of a foreclosure. Lenders will often accept a deed in lieu of foreclosure to save money on legal fees and bring closure to the matter much quicker than filing for foreclosure. If you are considering negotiating a deed in lieu of foreclosure with your mortgage company, before calling your lender you should contact us to schedule a free consultation with a foreclosure defense attorney. A deed in lieu of foreclosure is not always a straightforward procedure and homeowners may still be responsible to the lender for the mortgage even after giving up title to the property.

Learn more about a Deed in Lieu of Foreclosure.

Bankruptcy

If you have fallen behind on your mortgage and your lender has threatened to foreclose on your home, bankruptcy may be able to stop the foreclosure and make your mortgage payments more manageable. At Florida Law Advisers, P.A. our foreclosure defense attorneys have helped many homeowners prevent a foreclosure and lower their monthly payment by filing for bankruptcy. Bankruptcy is a useful tool, but it may not be the right solution for everyone. To find out more about how bankruptcy can prevent a home foreclosure, contact us to schedule a free consultation with a Tampa bankruptcy lawyer at our firm. During the consultation a bankruptcy attorney will review the facts of your case and help develop a comprehensive solution to solve your financial problems. 

Read more about how a Bankruptcy can help you save your home.

Predatory Lending

Predatory lending refers to unfair, deceptive, or fraudulent practices used by a lender during the loan origination process. Predatory lending imposes unfair and abusive terms on unsuspecting homeowners which can have devastating consequences. Fortunately, there are many laws in place to protect homeowners from predatory lending, such as The Real Estate Settlement Procedures Act, Truth in Lending Act, Equal Credit Opportunity Act, and The Home Ownership and Equity Protection Act.

Learn more about Predatory Lending.

Removing a 2nd Mortgage

If you are struggling to keep up with your monthly payments and have more than one mortgage on your home, Chapter 13 bankruptcy may provide the relief you need. Under Chapter 13 bankruptcy law, you may be able to remove a 2nd mortgage from your home and discharge the debt in bankruptcy. The discharge will release you from all personal liability on the mortgage and extinguish the lien placed on your property. 

At Florida Law Advisers, P.A., our bankruptcy attorneys have helped many homeowners prevent a foreclosure and lower their monthly payment by filing for bankruptcy. Bankruptcy is a useful tool but it may not be the right solution for everyone. You should contact us to schedule a free consultation with a Tampa bankruptcy lawyer before taking any action. During the consultation we can explain exactly how the bankruptcy process works and what you can expect by filing for bankruptcy.

Read more about Removing a 2nd Mortgage.

Robo-Signing

Robo-signing is the practice of a bank employee signing documents and affidavits without verifying that the information contained in the document or affidavit is correct. Many foreclosure documents require the signer to personally attest that they have reviewed the document before signing it. Failing to review the document or affidavit before signing it can call into question the banks legal right to foreclose on a home. Robo-signing has become a pervasive problem in the mortgage industry, with widespread use reported by many of our country’s largest mortgage companies. If your bank is threatening you with foreclosure you should contact a Tampa foreclosure defense attorney to investigate your case for evidence of robo-signing.

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Short Sales

In a short sale, the homeowner and mortgage company agree to sell the home for less than the amount owed on the mortgage. Short sales may be a good option for homeowners who have no equity in the property and want to abandon the home without going through the foreclosure process. Short sales are beneficial to homeowners because they are able to walk away from the property without a lengthy legal battle, and they can minimize the damage done to their credit score. On the other hand, lenders will avoid the costs associated with foreclosing on a home.

Learn more about Short Sales.

Consult a Tampa Foreclosure Defense Law Firm Today

At Florida Law Advisers, P.A., our Tampa foreclosure defense attorneys have years of experience helping people just like you to solve their mortgage problems. We understand that these are very difficult times for you, and we are here to help. We have many options available that can help you successfully manage your mortgage and regain your financial health. The right course of action will depend on the unique circumstances of your case.

Contact us to today to schedule a free, confidential consultation with a Tampa foreclosure lawyer to see which options may be available to you. During the consultation, an experienced Tampa foreclosure defense attorney will carefully review the facts of your case and help you choose a course of action that is best for your individual needs.

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Florida Law Advisers, P. A.

2202 N Westshore Blvd, Ste 200
Tampa, FL 33607

Phone: 1 (800) 990-7763

Fax: 1 (800) 990-1033

E-mail: info@FloridaLegalAdvice.com

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   Florida Law Advisers, PA, Attorneys, Tampa, FL   This Attorney is Lead Counsel Rated. Click here for more Information.