Foreclosure Defense in Central Florida
Whether you have been served with a foreclosure notice or that scenario is on the horizon, I can step in to help you protect your home. Even if you are working with a lender on a solution, you must take legal action to stop the foreclosure process.
The Law Office of Jeffrey A. Klein, in Daytona Beach, enables homeowners in Volusia County and throughout Central Florida to save their home by dealing promptly and forcefully with the foreclosure complaint. If you are behind on your mortgage and worried about losing the family home, contact me today to discuss your rights and options.
Failing to respond promptly to a foreclosure complaint will likely result in your home being sold by your lender, usually within a few months after the date you are served. Sadly, very few Central Florida homeowners take the few simple steps necessary to keep the bank from taking their homes. In fact, in 19 out of 20 cases the homeowner fails to defend the foreclosure. I work vigorously to buy you precious time — and therefore leverage — to renegotiate with the bank, and we then work with you on solutions for saving your home (or cutting your losses).
Negotiating a Workout or Sale? You Still Need to Act Now!
The typical scenario I see is a family behind a few months on the mortgage because of job loss or other hardship. The bank or mortgage company offers to explore a loan modification. Meanwhile, on a parallel track, the "mortgage mill" foreclosure firm from south Florida or qest Florida retained by the lender files a foreclosure complaint without knowledge or concern that you are attempting to resolve your case with your lender. Four or five months later, you find out that your loan modification, for whatever reason, has been rejected by the lender. In the meantime, you have waited too long to properly defend the foreclosure proceeding. The lender has a final judgment from the court, and your home is about to be sold at a public auction.
Once served with papers, you must answer within twenty days. If you don't hire a lawyer to defend the foreclosure suit and the bank obtains a summary judgment, the court may order a sale and you could be out on the street — all in the span of forty-five to ninety days.
I will file to stop foreclosure and aggressively follow up with discovery to put the lender on its heels. Forcing the bank or mortgage company to produce all relevant documents greatly extends the foreclosure process and gives you the necessary leverage to renegotiate your loan. In certain cases the lender's complaint even can be dismissed by the court.
I am Jeffrey Klein, an attorney practicing in the Daytona Beach area. I will do everything legally possible to stop the foreclosure of your home, and faithfully represent your best interests in re-working your mortgage or negotiating a short sale or deed in lieu of foreclosure.
Call 866-819-6032 to discuss your unique situation in a free initial consultation.
