Contact Information

Law Office of Henry E. Marines, PA
Professional Arts Center
8501 SW 124th Ave.
Suite 204A
Miami, FL 33183
(305) 412-4443
(305) 704-8119
Get Directions

Foreclosure Defense

The state of today's economy and the current housing crisis in Florida has made foreclosures a fact of life. However, with the proper legal representation, you may be able to stay in your home permanently, or at a minimum, an extended time while a resolution to the matter is negotiated. If you are one of the thousands of families currently facing foreclosure, contact The Law Office of Henry E. Marines for help.

Lender Negotiation

As anyone facing foreclosure knows, dealing with a lender can be exceedingly difficult, even in the best of times. After falling behind a few payments, it may feel like it is impossible to keep your home. This is where Attorney Henry E. Marines can step in to help you and your family during these troubled times. With extensive experience and knowledge of the lender negotiations process, he can fight to keep you in your home and rescue your mortgage.

Florida Foreclosure Laws

In Florida, foreclosures are handled by a Judicial Process, meaning that a lawsuit is required in order to foreclose on your home. If you have received service of a complaint or a notice of default, the foreclosure process has already started. Time is of the essence when dealing with this matter. The summons, once served, usually requires a response within 20 days. Failure to respond or file proper pleadings may result in the issuance of a default judgment for the lender. If a default has been entered, time is of the essence, as the lender may proceed with a final judgment and it will result in the house being sold at auction.

If the court has ruled for the lender and a final judgment has been granted, a foreclosure sale date will be set, usually between 1-3 months after the final hearing. Notices of the sale, which is to include the location, date and time of the sale, will be sent to the homeowner. When a sale has occurred and a certificate of sale has been filed, you will lose any rights to your property. However, through the right of redemption, the owner may halt the foreclosure process at any time by paying off the mortgage before the sale.

Contact the Law Office of Henry E. Marines

Attorney Marines can help your situation regardless of what stage of foreclosure you may be in. There are many options when it comes to foreclosure defenses, including mediation, refinancing, payment forgiveness, short sale and loan modification. Having an experienced attorney on your side will provide you with the ability to make the best of your situation. There are multiple laws and rules that are in place to protect your interest and your home. Only an experienced attorney can utilize these laws and rules to your advantage. The banks have experienced attorneys on their side; you should have the same.

For more information, please contact Attorney Henry E. Marines today. He will evaluate the details of your specific circumstances and determine the best option and defenses that are available to you and your family.

Call today and schedule a free private consultation.