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Mortgage Foreclosure

How long does it take to foreclose a property in Florida?

What is the biggest mistake people make when they are sued for foreclosure?

I gave the house to my Ex in the divorce, why are they suing me?

I previously received a bankruptcy discharge, why are they now suing me for foreclosure?





Q: How long does it take to foreclose a property in Florida?

Depending on the court's schedule, it usually takes approximately 120-180 days to effectuate an uncontested foreclosure. This process may be delayed if the borrower contests the action, seeks delays and adjournments of hearings, or files for bankruptcy.Thus, it is absolutely critical for the borrower to contest the action.

A mortgage foreclosure suit is a scary thing.  Don't face it alone.  Hiring a lawyer may allow you to stay in your property longer, help you avoid being on the hook for the difference between the amount owed and the amount the home is worth, help you to force the lender to sit down face to face with you to work out a solution to keep the home, or in some rare instances even avoid the mortgage completely.

To discuss mortgage foreclosure with an attorney right now click the INSTANT CALL BACK button located on the left. The call is confidential, free, and with no further obligation.


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Q: What is the biggest mistake people make when they are sued for foreclosure?

That is an easy question.  They immediately leave the property and go rent another place.  This is often a big mistake.  The mere filing of a foreclosure action does not mean that the property is no longer yours. 

Often times, a well defended foreclosure case can last years, so don't think that your lender filing foreclosure means you have to get out.  What it does mean is that you need to retain legal help immediately.  I attempt to make this affordable by offering a wide array of payment options for attorney fees.

To discuss mortgage foreclosure with an attorney right now click the INSTANT CALL BACK link located on the left. The call is confidential, free, and with no further obligation.


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Q: I gave the house to my Ex in the divorce, why are they suing me?

The reason may involve your name still being on the deed to the property.  Furthermore, if you are still on the loan secured by the mortgage, then you may be held equally liable for any deficiency on the foreclosure judgement.  This is still the case, even though your divorce agreement says that your spouse is responsible for making the house payment. 

To discuss mortgage foreclosure with an attorney right now click the INSTANT CALL BACK link. The call is confidential, free, and with no further obligation.  

 


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Q: I previously received a bankruptcy discharge, why are they now suing me for foreclosure?

If you have received a prior bankruptcy, unless you reaffirmed the house in your bankruptcy, the lender can't get a judgment of money damages against you personally.  The foreclosure suit is still necessary to extinguish your legal interest in the property.  Whether or not you are still living in the house, you can still defend the foreclosure action if you so choose. The bottom-line is by doing this you continue to own the house longer.  The lender cannot go after you for the deficiency, provided that no reaffirmation agreement exist in your bankruptcy.

Even if you no longer wish to continue to live in the house, or do not desire to attempt loan modification. I still recommend  filing a copy of your bankruptcy discharge order in the foreclosure action pending in the state court and serving a copy of this filing to your lender's attorney.  This ensures the court record in the foreclosure case clearly indicates that the only jurisdiction the state court maintains is over the property only. 

To discuss mortgage foreclosure with an attorney right now click the INSTANT CALL BACK link. The call is confidential, free, and with no further obligation. 

 


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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Additionally, we are lawyers who help people facing mortgage foreclosure, collection practices violations, and collection lawsuits.

Attorney, William T. Shaffer has offices located in Crestview, Florida (Okaloosa County). He assists clients in Baker, Laurel Hill, Defuniak Springs, Freeport, Santa Rosa Beach, Holt, Pace, Milton, Navarre, Gulf Breeze, Jay, Pensacola, Shalimar, Eglin A.F.B, Hurlbert Field, Niceville, Fort Walton Beach, Okaloosa Island, Miramar Beach, Ponce De Leon, Mossy Head, and the surrounding Florida Panhandle area.



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146 Woodruff Ave. W., Crestview, FL 32536
| Phone: 850-398-5187

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