Know Your Rights

Using the Law to Save Your Home

When you took out a mortgage, you probably had every intention of paying on time and completing your total payment. Many individuals will take advantage of the grace period on their mortgage notes and wait an additional 10-15 days to make their mortgage payments. However, if you get too far behind in your payments, it is likely that your lender will send a notice of default and begin foreclosure proceedings.

Foreclosure can be an extremely time-consuming and lengthy process, taking up to 5 months in the state of Florida, but homeowners have an opportunity to stop the process leading to foreclosure and save their homes rights under the law. A Florida foreclosure defense lawyer from LeavenLaw will take the time to thoroughly explain your rights under the law and how you can save your home from foreclosure.

The American Recovery and Reinvestment Act of 2009 was created to reaffirm the rights of homeowners across the country, but foreclosure laws differ from state to state. As a homeowner, you have the right to get your property out of the house before it is sold. The bank or your mortgage lender cannot lay claim to the home's contents until the foreclosure is complete, nor can they prevent you from retrieving your property.

It is important for you to be aware that the lender is required by Florida state law to notify you before initiating the foreclosure process, and you are responsible to file an answer within the specified time. You have the right to a hearing where you can present your side of the story. This hearing must be scheduled within a certain time period, and an attorney can help you with the legal details involved. Florida foreclosure law states that the homeowner has the right to redeem the property any time before the day of the sale up until the Certification of Sale has been issued.

Contact a Florida foreclosure defense lawyer today!

No one wants to lose the home that they have worked for, and the legal team at LeavenLaw can provide superior legal foreclosure defense for individuals facing foreclosure throughout the Tampa Bay area. Our firm was founded in 1972 with the purpose and mission of providing compassionate legal counsel to individuals and families during their time of greatest need. We strive to provide each and every client with insightful legal counsel and support, regardless of how small or large their case is.

Don't wait to secure the legal help you deserve, contact a Florida foreclosure defense attorney at our firm today!