Florida foreclosure defense
From 1991 to 2022, SAJ has represented clients in hundreds of cases across various areas of practice, including but not limited to health law, [MORE]. Specifically during the past 15 years, SAJ has represented Florida homeowners in over 470 mortgage and community association foreclosure defense cases in Circuit Courts located throughout south and central Florida involving thousands of hearings and innumerable trials with an aggregate valuation at issue of well over $100 million.
Why the Plaintiff in your foreclosure case hopes you won't defend against it
[Easiest path to a foreclosure judgment, allowing the plaintiff to (1) take title and possession to your property; (2) purchase your property at a county foreclosure sale for as little as $100 more than what is owed to the lender; and (3) "fire sale" your property for substantially less than market value, because all the plaintiff needs to cover is the amount of the foreclosure judgment (any additional amount, less other claims or expenses, would have to be paid to the homeowner, so the lender will not benefit financially from any amount received in excess of the amount owed on the note and mortgage).
Why it makes sense for you to defend your foreclosure case
[You need as much time as possible: (1) to pursue an equity sale of your property for the highest amount possible before the plaintiff obtains a foreclosure judgment; or (2) if you have insufficient equity in your property, to pursue other strategic options (negotiating a loan modification agreement with your lender, saving funds for future rent, down payment on a different home, education, training, etc.) that will prepare you such time (if any) that the plaintiff is able to obtain a foreclosure judgment against you.
Review our foreclosure defense Strategic alternatives page for more information about equity sales and non-equity strategies to improve your financial position.