If you are facing Foreclosure in the State of Florida, Pelayo Duran can help.
If you become unable to meet the mortgage payments on your property and have not done so for 3 or more months, then it is likely that you are facing the prospect of a foreclosure action.
A foreclosure is commenced when a lender files court action and records a notice of a pending lawsuit (referred to as Lis Pendens) against the borrower. The lender usually notifies the borrower and any other affected parties in person or in some cases by mail or publication. Once a foreclosure action begins the borrower must respond to the court action within a specified period of time (usually 20 days). If they fail to do so the clerk can find the borrower in default and the lender can then ask the court to make a final ruling. If the court rules against the borrower, the ruling will declare the total amount owed to the lender due and payable and the foreclosure sale date is set.
The worst possible approach that you can take when facing a foreclosure, is to ignore your situation. If you want to avoid a foreclosure sale, then you should seek the assistance of a qualified foreclosure attorney who is able to negotiate with the lender on your behalf. Call The Law Office of Pelayo Duran, for a legal consultation to assess the options available to you.
Remember that many times a Foreclosure action may proceed without your knowledge.
Usually you will be aware that your mortgage situation is deteriorating because you are not making a payment and you will normally receive letters or calls from your lender in response to the delinquent status of your mortgage account.
However, Florida state law does not require a lender to advise you when they chose to proceed with court action. This means that you could be suddenly faced with the prospect of losing your home in a foreclosure sale.
If you retain The Law Office of Pelayo Duran to represent your legal interest they can negotiate with your lender on your behalf while aggressively defending your legal rights. This will maximize the potential for a resolution which would allow you to avoid a foreclosure sale.
Don’t wait until your lender decides to act.
Act first, and call today to arrange a confidential consultation with Pelayo Duran.