A man without a goal is like a ship without a rudder.

- Thomas Carlyle

Florida Foreclosure - Individual Borrowers & Homeowners

For most people, the thought of losing their home or defaulting on a loan is one of the most daunting financial challenges they could imagine. It is easy to become overwhelmed and feel isolated like a ship adrift at sea. The attorneys at Iurillo Law Group, P.A. have extensive experience representing individual borrowers and homeowners in mortgage defense litigation throughout Florida. Our attorneys are dedicated to helping you achieve your goals, including keeping your property or surrendering it to the lender. It is important that you act in a timely manner and protect your rights as soon as possible, ideally when you initially experience problems making your payments. Being proactive and developing a strategy early in the process is important to reaching your goals, including keeping your home or having sufficient time to explore foreclosure alternatives, such as a short sale or loan modification prior to the foreclosure sale.

Our attorneys will work with you to explore the practical and cost-effective options available to you, such as:

  • Loan modification
  • Loan forbearance
  • Short sale negotiations
  • Deed-in-Lieu of foreclosure
  • Consent to foreclosure
  • Negotiating with lenders to waive deficiencies
  • Filing responses to foreclosure complaints within 20 days from the date of service and raising appropriate defenses
  • Providing representation at mediation
  • Providing representation after the property is sold, if the lender seeks the entry of a deficiency judgment

We understand that each foreclosure case must be carefully examined to discover the unique issues of the case. Therefore, when you meet with one of our attorneys, we conduct a comprehensive analysis of the facts of your case and the loan documents to formulate a complete plan of action that is best suited to meet your goals. In addition, you can rely on us to continually advise you of your alternatives at the critical junctions in the foreclosure process.

When defending the foreclosure case or a lender's effort to obtain or collect a deficiency judgment is appropriate, our attorneys are experienced litigators prepared to engage in tough litigation. We have observed first-hand the abuses of the foreclosure system by some lenders and their counsel seeking to "fast-track" cases over the rights of borrowers. We will aggressively pursue your rights through trial and will effectively represent your interests in court or during negotiations with the lender.

In some cases, filing a bankruptcy case may be the best strategy. Please review our discussions of Chapter 7 and Chapter 13 bankruptcies for an overview of how bankruptcy may assist you in stopping a foreclosure and possibly saving your home on our Bankruptcy and Insolvency Alternatives page.

Remember, it is critical that you act immediately and seek legal counsel. Please contact us to schedule an appointment to discuss your alternatives.

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