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Don’t stress the Foreclosure Process. Allow an experienced Foreclosure Defense Attorney advocate on your behalf and fight for your home
There are several questions that we ask potential clients:
- Do you want to keep your home?
- Do you want to attempt to obtain a mortgage payment that is fair and reasonable?
- Are you presently working with the Bank?
- Have you been served with a Foreclosure lawsuit?
- What stage are you in the foreclosure process?
By understanding your situation, we can provide the best strategy for moving forward while advocating for your interests.
Have You Received a Breach Letter?
A breach letter is a form of official notice that foreclosure action is being initiated. If your mortgage agreement includes a special breach clause, then it is likely that you will receive one of these letters if you are close to, or have exceeded 90 days delinquency on your home loan.
If you have this type of clause in your agreement, then you will receive a letter from the lender, informing you of the details of your default. This will include the amount, as well as the action required to resolve the default and prevent foreclosure. In most cases, the lender will offer you 30 days to settle the default and bring your loan up to date. The time period begins from the time the notice was sent.
A breach letter will also inform you that if you don’t cure the default in the stated timeframe, the foreclosure process will be accelerated, with the property being put up for sale.
No matter your circumstances, it’s critical that you don’t ignore a breach letter. This is an opportunity to talk with your lender to find a solution. In many cases, lenders don’t want to initiate the foreclosure process. It is expensive and they may not recover all of their losses. It is in the lender’s best interests to give you the opportunity to work out a payment plan that is fair and reasonable.
Lenders aren’t always the easiest people to talk to, which is why you need professional foreclosure representation whenever you are dealing with a breach letter or the subsequent foreclosure process. With a successful record of defending homeowners and their interests, Brian Kowal can help you to keep your home by negotiation a reasonable path forward.
Legal Counsel Can Prevent Expedited Foreclosures
In Florida, foreclosures are a judicial matter. Lenders must file a lawsuit to begin the process. If you fail to respond to a breach notice or other forms of default notice from your lender, they may request that the court begins the fast-track foreclosure process. This is only available when a planned foreclosure is uncontested, or where the borrower doesn’t have a reasonable or genuine defense.
Under the fast-track process, a judge can expedite proceedings and rule that the lender can sell the property in no less than 20 days.
With economic recovery, the rate of foreclosures has slowed throughout Florida in the last two years. With representation, you can fight for your home.
Hire a Foreclosure Defense Lawyer with Extensive Experience
After defending hundreds of foreclosure cases, we have gained a vast amount of experience and understanding in handling lenders and their attorneys. We will craft a strategy that suits your needs and fight for you every step of the way. If you need assistance in attempting to obtain a loan modification, Brian will communicate with the Bank on your behalf. Don’t stress the Foreclosure Process. Allow an experienced foreclosure defense attorney advocate on your behalf and fight for your home. Call the Law Office of Brian P. Kowal, PA today at (954) 990-7552. Don’t face this problem alone.