--- title: Foreclosure and Loan Modification Blog | florida foreclosure laws description: florida foreclosure laws | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. --- [![Foreclosure and Loan Modification Lawyers](https://blog.amerihopealliance.com/hs-fs/images/forclosure-attorneys.png?width=360&height=117&name=forclosure-attorneys.png "Foreclosure and Loan Modification Lawyers")](https://www.amerihopealliance.com/) - Practice Areas - [Foreclosure Defense](https://amerihopealliance.com/foreclosure-defense) - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds) - [Loan Modification](https://amerihopealliance.com/loan-modification) - [Tax Resolution & Tax Preparation](https://amerihopealliance.com/en/amerihope-alliance-tax-resolution) - [Bankruptcy](https://amerihopealliance.com/en/bankruptcy) - [Probate](https://amerihopealliance.com/en/probate) - [About Us](https://amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Client Login](https://amerihopealliance.com/client_login) - [FAQ](https://amerihopealliance.com/frequently-asked-questions) - [Contact Us](https://amerihopealliance.com/contact_us) - [Blog](https://blog.amerihopealliance.com/blog) - [Foreclosure and Loan Modification Blog](https://blog.amerihopealliance.com/blog) - [Personal Injury Blog](https://blog.amerihopealliance.com/personal-injury) - [Referrals](https://amerihopealliance.com/surplus-case-referral) ph: (877) 882-5338 # Foreclosure and Loan Modification Blog - [Blog](https://blog.amerihopealliance.com/blog) - Foreclosure and Loan Modification Blog ## [Do You Want To Take Your Foreclosure Case To Trial?](https://blog.amerihopealliance.com/blog/do-you-want-to-take-your-foreclosure-case-to-trial) [![](https://blog.amerihopealliance.com/hubfs/images/Trial.jpg)](https://blog.amerihopealliance.com/blog/do-you-want-to-take-your-foreclosure-case-to-trial) If you are in foreclosure in a judicial foreclosure state, your case can "go to trial." Some homeowners think they want to go to trial to have their day in court, a chance to tell their story to a judge or jury and get justice. However, real life is not like an episode of a legal drama show. There will be no sensational surprise at the end, and probably not much of anything exciting. And even if you do win, you will not get a free house. In many cases, it makes sense to avoid going to trial because it's better to come to an **agreement with the lender** before it gets to that point. But sometimes that's not practical, and a case does end up at trial. \[fa icon="clock-o"\] Wednesday, April 24, 2019 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [new york foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-york-foreclosure-attorney), [foreclosure defense attorney new jersey](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws), [foreclosure trial](https://blog.amerihopealliance.com/blog/topic/foreclosure-trial), [final judgment](https://blog.amerihopealliance.com/blog/topic/final-judgment) [Read More »](https://blog.amerihopealliance.com/blog/do-you-want-to-take-your-foreclosure-case-to-trial) ## [Florida Supreme Court Ruling Could Increase Foreclosures In State](https://blog.amerihopealliance.com/blog/florida-supreme-court-ruling-could-increase-foreclosures-in-sunshine-state) [![](https://blog.amerihopealliance.com/hubfs/images/Gavel3.jpg)](https://blog.amerihopealliance.com/blog/florida-supreme-court-ruling-could-increase-foreclosures-in-sunshine-state) 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. \[fa icon="clock-o"\] Tuesday, December 13, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense), [florida foreclosure process](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-process), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws), [florida foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-attorney), [Florida statue of limitations](https://blog.amerihopealliance.com/blog/topic/florida-statue-of-limitations) [Read More »](https://blog.amerihopealliance.com/blog/florida-supreme-court-ruling-could-increase-foreclosures-in-sunshine-state) ## [Does Your Bank Have the Standing to Foreclose on Your Home?](https://blog.amerihopealliance.com/blog/does-your-lender-have-the-standing-to-foreclose-on-you) [![](https://blog.amerihopealliance.com/hubfs/images/Memes/EltonStanding.jpg)](https://blog.amerihopealliance.com/blog/does-your-lender-have-the-standing-to-foreclose-on-you) In judicial foreclosure states (such as Illinois, Florida, Pennsylvania, New York, and New Jersey), your lender is required to go through the courts to foreclose on your property. **They become the plaintiff and you become the defendant in a foreclosure lawsuit.** The plaintiff must prove to the court that they are the party in interest that's legally entitled to foreclose on your home. That, in legal terminology, is called **standing**. Standing is very important, and the plaintiff **must have it at the time they file a foreclosure action against you**. If they don't, your attorney may file a motion to dismiss the action because of it. \[fa icon="clock-o"\] Tuesday, November 29, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws), [foreclosure fraud](https://blog.amerihopealliance.com/blog/topic/foreclosure-fraud) [Read More »](https://blog.amerihopealliance.com/blog/does-your-lender-have-the-standing-to-foreclose-on-you) ## [Does Your State Require Judicial or Nonjudicial Foreclosure?](https://blog.amerihopealliance.com/blog/does-your-state-require-judicial-or-nonjudicial-foreclosure) [![](https://blog.amerihopealliance.com/hubfs/Map-Judicial-026408-edited.gif)](https://blog.amerihopealliance.com/blog/does-your-state-require-judicial-or-nonjudicial-foreclosure) When you do not pay your home loan payments, **your lender is required to follow the laws and procedures of your state** to take ownership of your home and sell it. Some states require lenders to file a lawsuit in court in order to foreclose, which is known as judicial foreclosure. Other states allow lenders to foreclose without filing a lawsuit in court, which is known as [nonjudicial foreclosure](https://blog.amerihopealliance.com/blog/massachusetts-is-a-non-judicial-foreclosure-state-whats-that). Roughly half of the states have judicial foreclosure rules and half have nonjudicial.  \[fa icon="clock-o"\] Wednesday, October 21, 2015 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [new york foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-york-foreclosure-attorney), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws), [florida foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-attorney), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/does-your-state-require-judicial-or-nonjudicial-foreclosure) ## [The Wells Fargo Grinch Who Wrongly Foreclosed at Christmas](https://blog.amerihopealliance.com/blog/wells-fargo-grinch-who-wrongly-foreclosed-at-christmas) [![](https://blog.amerihopealliance.com/hs-fs/file-407052309-jpg/images/wells-fargo-grinch-wrongful-foreclosure.jpg)](https://blog.amerihopealliance.com/blog/wells-fargo-grinch-who-wrongly-foreclosed-at-christmas) If loan modifications were the holidays, then Wells Fargo would be the Grinch. While the other big banks have been known to make life difficult for homeowners who are facing foreclosure, [Wells Fargo's loan modification unit](https://blog.amerihopealliance.com/blog/bid/294877/3-Tips-for-a-Successful-Wells-Fargo-Loan-Modification) is among the worst. How many American  homeowners have they spoiled Christmas for this year? \[fa icon="clock-o"\] Friday, December 13, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [loan modification lawyer](https://blog.amerihopealliance.com/blog/topic/loan-modification-lawyer), [wells fargo loan modification](https://blog.amerihopealliance.com/blog/topic/wells-fargo-loan-modification), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) [Read More »](https://blog.amerihopealliance.com/blog/wells-fargo-grinch-who-wrongly-foreclosed-at-christmas) ## [Florida's "Foreclosure King" Dethroned? Not Quite.](https://blog.amerihopealliance.com/blog/foreclosure-king-dethroned-not-quite) [![](https://blog.amerihopealliance.com/hs-fs/file-372083804-jpg/images/David-J-Stern-florida-foreclosure-king.jpg)](https://blog.amerihopealliance.com/blog/foreclosure-king-dethroned-not-quite) Here's something that probably didn't make your local news: David J. Stern, the so-called "Foreclosure King" will more than likely lose his law license and will have to pay a **$50,000 fine** to the Florida Bar. This follows an extensive investigation and civil suit from the Florida Bar Association. While the fact is that this is the only court decision against Stern himself thus far (his companies, however, have been sued several times, and one of his companies is in the process of suing Stern for $60,000,000) surely pleased Stern, [the big banks](https://blog.amerihopealliance.com/blog/bid/301377/BOA-Makes-Up-Own-Requirements-for-Deed-in-Lieu-of-FHA-Backed-Loan), and their cronies, it's a slap in the face to every homeowner in the nation, not to mention the homeowners in the Sunshine State who were torched by his firms' actions.  ## Who is David J. Stern? If you're not familiar with David J. Stern and the impact he's had on the state of Florida, imagine if most of the court cases in one state (the nation's **4th most-populated state**, at that) were controlled by a single law firm. Now imagine if this law firm was run in the most greedy and apathetic, but least efficient manner possible. Imagine that this law firm found several ways to make a mockery of everything the legal system stands for- from missing court appearances, to forging important documents, to blatantly disregarding the most basic laws that applied to its cases. Then imagine if these improprieties didn't only cost years worth of time and resources for the legal system and the taxpayers that finance it, but they also cost thousands and thousands of families their homes and livelihoods. \[fa icon="clock-o"\] Monday, November 11, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) [Read More »](https://blog.amerihopealliance.com/blog/foreclosure-king-dethroned-not-quite) ## [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) [![](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg)](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) If an industry insider was asked to compare the way big banks have handled the foreclosure crisis to the movies, he would not think of the highly coordinated drama of a war epic, nor would he mention the selfless heroism shown in superhero movies. Instead, he would probably compare the banks' ways to the silent ineptitude of the Marx Brothers or Charlie Chaplin; or even **the destructive buffoonery of the Three Stooges**. ## Your Mortgage Lender Loves Slapstick Comedy Unfortunately, the way the banks have dealt with people's homes- and by extension, their very livelihoods- is no laughing matter. [Hundreds of thousands of people](http://en.wikipedia.org/wiki/2010_United_States_foreclosure_crisis) have lost-and are still losing- their homes because they don't know how to fight against the banks, even when the banks themselves don't have a proper handle on the foreclosure cases they've been filing. \[fa icon="clock-o"\] Wednesday, November 6, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) [Read More »](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) ## [Is Your Home Free If You Don't Pay Your Mortgage for 5 Years?](https://blog.amerihopealliance.com/blog/is-your-home-free-if-you-dont-pay-your-mortgage-for-5-years) [![](https://blog.amerihopealliance.com/hs-fs/file-329150833-jpg/images/foreclosure-toy-home.jpg)](https://blog.amerihopealliance.com/blog/is-your-home-free-if-you-dont-pay-your-mortgage-for-5-years) 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?](http://www.avvo.com/legal-answers/is-there-a-5yr-law-if-you-dont-make-your-mortgage--544100.html)" **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. \[fa icon="clock-o"\] Friday, October 4, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense), [florida foreclosure process](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-process), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws), [foreclosure process in florida](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-florida) [Read More »](https://blog.amerihopealliance.com/blog/is-your-home-free-if-you-dont-pay-your-mortgage-for-5-years) ## [What Powers Do Florida Foreclosure Laws Give HOA's?](https://blog.amerihopealliance.com/blog/florida-foreclosure-laws-hoas) [![](https://blog.amerihopealliance.com/hs-fs/file-299556210-jpg/images/how_powerful_are_hoas_med.jpg)](https://blog.amerihopealliance.com/blog/florida-foreclosure-laws-hoas) In July, Florida recorded more foreclosure activity than any other state in the nation, according to the real estate data firm [RealtyTrac](http://www.realtytrac.com/content/foreclosure-market-report/july-2013-us-foreclosure-market-report-7833). Nine of the top 10 metropolitan areas with the highest rate of foreclosures were Florida cities. Florida has ranked number one in foreclosure-related activities for three consecutive months. While many areas of the country have experienced a drop-off in foreclosures—initial filings, foreclosure auctions and bank owned properties, the state continues to sift through the [backlog of foreclosure cases](https://blog.amerihopealliance.com/blog/two-months-later-aftermath-floridas-new-foreclosure-law-hb-87).   Most people know that mortgage lenders and local government can create liens that require foreclosure action, but many people don't know that condominium and homeowner's associations (HOAs) also can create liens that require them to avail themselves of foreclosure laws in Florida. HOAs have specific legal rights and powers over properties in the community. This authority includes initiating the Florida foreclosure process for issues related to delinquent monthly fees, dues and special assessments. \[fa icon="clock-o"\] Wednesday, September 11, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) [Read More »](https://blog.amerihopealliance.com/blog/florida-foreclosure-laws-hoas) ## [Two Months Later: the Aftermath of Florida's New Foreclosure Law](https://blog.amerihopealliance.com/blog/two-months-later-aftermath-floridas-new-foreclosure-law-hb-87) [![](https://blog.amerihopealliance.com/hs-fs/file-295491980-jpg/images/license-plate-HB-87.jpg)](https://blog.amerihopealliance.com/blog/two-months-later-aftermath-floridas-new-foreclosure-law-hb-87) # Has HB 87 Solved Florida's Foreclosure Problems? Florida experienced the most intense and widespread ravages of the [mortgage crisis in 2008](https://blog.amerihopealliance.com/blog/bid/296244/Mortgage-Fraud-The-Inside-Story), and new foreclosures are still occuring at an alarming rate a half decade later. Even worse, Florida is a [**judicial foreclosure state**](https://blog.amerihopealliance.com/blog/bid/274882/Foreclosure-Process-in-Florida). This means that all foreclosures have to proceed through a set process in the court of law, which can take years for each individual case. In addition to the new cases that are entering the courts daily, there are **over 100,000 cases** still waiting to be re-tried after the "robo-signing" scandal shut down all Florida foreclosure proceedings in late 2010. These factors combined to create a perfect storm of epic proportions in Florida's courts: so large, in fact, that there are currently **over 328,000 foreclosures** languishing within Florida's judicial system.  \[fa icon="clock-o"\] Friday, September 6, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [florida foreclosure defense](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-defense), [stop foreclosure in florida](https://blog.amerihopealliance.com/blog/topic/stop-foreclosure-in-florida), [florida foreclosure laws](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws) [Read More »](https://blog.amerihopealliance.com/blog/two-months-later-aftermath-floridas-new-foreclosure-law-hb-87) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-laws/page/2) ### 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. [![Click to Read Our Super Loan Mod Success Stories](https://no-cache.hubspot.com/cta/default/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953) 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](https://www.amerihopealliance.com/free_consultation) at any time. ### Subscribe to Email Updates - Popular - Recent - Topics ![feature image](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg) [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint) Published December 3, 2019 ![feature image](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg) [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) Published November 6, 2013 ![feature image](https://blog.amerihopealliance.com/hubfs/images/auction2.jpg) [What If Your Home Doesn't Sell At Foreclosure Auction?](https://blog.amerihopealliance.com/blog/what-if-your-home-doesnt-sell-at-auction) Published October 13, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg) [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Published June 18, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/padlocked-home.jpg) [What Do You Do If Your Bank Changes the Locks on Your House?](https://blog.amerihopealliance.com/blog/what-do-you-do-if-the-bank-changes-the-locks-on-your-house) Published October 19, 2016 ### Lists by Topic - 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