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Foreclosure Defense and Loan Modification Blog

Florida Supreme Court Ruling Could Increase Foreclosures In State

Posted by Maxwell Swinney

Tuesday, December 13, 2016

The Florida Supreme Court has issued a ruling that could increase the number of foreclosure actions brought against homeowners in the state.

According to the Florida Bar News, as a result of the state Supreme Court's November 3 ruling,“Lenders who have had a foreclosure suit dismissed can bring new action if the borrower continues to default after the dismissal and the case is brought within five years of nonpayment.”

The ruling had to do with the statute of limitations provision in Florida that says foreclosure on a mortgage has to be brought within five years of the borrower defaulting on payments.

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Topics: florida foreclosure defense, florida foreclosure process, florida foreclosure laws, florida foreclosure attorney, Florida statue of limitations

You Could Be In Foreclosure And Not Even Know It

Posted by Maxwell Swinney

Tuesday, July 5, 2016

Many homeowners find that something strange happens when they stop paying their mortgage: nothing much. After missing payments they get letters from their bank telling them that they have to pay up or else lose their home. They don't pay because they can't, but still nothing happens for a long time.

Some homeowners go many years without making a payment, falling behind by tens or hundreds of thousands of dollars, and yet their house isn't sold at a foreclosure auction, the sheriff doesn't tell them to vacate the premises, and they're not thrown to the curb. Sometimes the collections calls even stop!

However, just because nothing seems to happen doesn't mean that the gears of foreclosure aren't turning or that the bank forgot that your loan isn't performing for them. Rest assured that they haven't forgotten about you and the money you owe them.

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Topics: new jersey foreclosure process, foreclosure process in new york, loan modification, florida foreclosure process, loan modification help, foreclosure

Is Your Home Free If You Don't Pay Your Mortgage for 5 Years?

Posted by Jake Sterling

Friday, October 4, 2013

We've heard all types of questions from our clients, but one question that we're hearing often is this: "can my mortgage be canceled if I don't make my mortgage payments for 5 years?Some foreclosure defense lawyers and "foreclosure rescue" companies have been advertising that Florida homeowners can get out of foreclosure by not paying on their home for 5 years, and homeowners aren't sure whether to believe these claims or not.

In fact, Florida law does state that there's a 5 year statute of limitations on foreclosures (technically on promissory notes). Although this may seem straightforward enough, it gets a bit complicated when you delve into the specifics of the law.

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Topics: florida foreclosure defense, florida foreclosure process, florida foreclosure laws, foreclosure process in florida

Steps to Avoid Foreclosure in Florida [Infographic]

Posted by Jake Sterling

Friday, September 6, 2013

Florida has one of the highest rates of foreclosure in the country. The state has a foreclosure process that is judicial. The lender must file with the court to take possession of the property. If you're in foreclosure or in fear of foreclosure, there are several steps you can take to either prolong the process or stop foreclosure in Florida.

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Topics: florida foreclosure process, florida foreclosure attorney

What to Expect From a Foreclosure Case Management Conference

Posted by Jake Sterling

Monday, May 13, 2013

Florida Foreclosure Case Management Conferences

If you’re a homeowner who’s behind on your mortgage payments and in foreclosure in Florida, you may be scheduled for a case management conference. What is a case management conference and where does it come into play during foreclosure proceedings?

When Payments Fall Behind

The prospect of facing the foreclosure process in Florida can be a scary one. Most homeowners try to stall the foreclosure process by first seeking out loan modifications.

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Topics: florida foreclosure defense, foreclosure defense, florida foreclosure process, what is a case management conference

Foreclosure Process in Florida

Posted by Jake Sterling

Tuesday, March 12, 2013

Defending your home against foreclosure in Florida can be complicated and scary. If you've been served foreclosure papers, chances are you're looking into foreclosure defense in Florida. Only a licensed foreclosure lawyer can help you stay in your home and discuss your foreclosure options. Keep a list of questions to ask your foreclosure defense lawyer.  In the meantime, we'll let you know what you can expect in the foreclosure process:

30 Days past due: If you haven't paid your mortgage in at least 30 days, your lender may report this to the credit bureau. Your credit report is now showing a mortgage deficiency and chances are you will be served foreclosure papers in the future if you are unable to get in touch with your bank.

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Topics: florida foreclosure defense, florida foreclosure process, foreclosure process in florida, florida foreclosure attorney

About this Blog

Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes.

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Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a free consultation at any time.

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