Foreclosure Defense Attorney

Understanding How to Deal with the Foreclosure Process in Florida

Foreclosure is a legal process that allows lenders to recover the amount owed on a defaulted loan by taking possession of the property. In Florida, this process can be particularly complex and stressful, often leaving homeowners feeling overwhelmed and unsure of their rights. If you are facing foreclosure, it’s essential to understand the process and explore your options for defense.

Serving clients across Tampa Bay, Hernando, Pasco, and Citrus counties and throughout Florida, at Brijbag Law, we specialize in foreclosure defense and are committed to helping Florida homeowners navigate this challenging situation. Our experienced attorneys are dedicated to protecting your rights and finding the best possible outcome for your case.

The Foreclosure Process in Florida

Foreclosure in Florida typically follows these steps:

• Missed Payments: The process begins when you miss a mortgage payment. After a certain period, your lender may issue a notice of default.
• Notice of Foreclosure: If you continue to miss payments, your lender will file a foreclosure lawsuit in court and serve you with a summons and complaint. This document outlines the lender’s intent to foreclose on your property.
• Response Period: Once served, you have a limited time (usually 20 days) to respond to the complaint. Failing to respond can lead to a default judgment against you, allowing the lender to proceed with foreclosure.
• Court Hearing: If you respond to the complaint, a court hearing will be scheduled. This is your opportunity to present your case and argue why foreclosure should not proceed.
• Judgment and Sale: If the court rules in favor of the lender, a judgment will be issued, and your property may be scheduled for a public auction.
• Eviction: If the property is sold, the new owner may initiate eviction proceedings, which can further complicate your situation.