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Jacksonville

Foreclosure Defense Lawyer in Jacksonville, FL 

How Does Foreclosure Work in Florida? 

In Florida, foreclosure is a legal process where a lender takes possession of property from the borrower and sells it to cover an unpaid debt. 

  1. The process begins when the borrower defaults on the loan by missing multiple payments, and then the lender files for foreclosure with the court.
  2.  The court will set a date for a hearing in which both parties must appear before presenting evidence on their respective positions. 
  3. After reviewing all evidence, the court can order either reinstatement of payments or sale of property to satisfy any outstanding debts owed by the borrower. 
  4. If sale is ordered, then it must be done through public auction where any interested party may make an offer to purchase. 
  5. Finally, if no offers are made at auction or no one meets minimum bid requirement, then defaulting borrower may have right to reclaim ownership after settling remaining balance.

Do I need a foreclosure attorney?

Foreclosure can be a complicated process, and having the help of an experienced foreclosure attorney can ensure that your rights are protected and that you take the correct steps to make sure your financial future is secure. 

An attorney can: 

  • Explain the foreclosure process step-by-step
  • Help you understand your options
  • Review loan documents
  • Assist in negotiations with lenders

Additionally, a foreclosure attorney will know how to navigate the local courts and laws in your area, which can make a big difference in the success of your case. If you are facing foreclosure, it is important to speak with an experienced foreclosure attorney as soon as possible to ensure that your rights and financial interests are protected. 

Our Clients Share Their Stories

At Haynes Law Group, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    “A great experience with a very sharp man who really knew all the in’s and out’s of Florida foreclosure surplus law and saved us thousands!”
    On the afternoon that my deceased uncles home was foreclosed and auctioned I received phone calls from people who knew about the mortgage surplus before I did. Calls were from all over the US. Fast talking people telling me I needed to pay them to claim the funds and all the undesirable things that would happen if I did not hire them. After two weeks of trying to go it alone with the courts I found Mr. Haynes. On the first call he was able to weed through and understand the complications of our situation. He told me he was confident he could claim the funds for the heirs. Today we got the news we would receive a check. A great experience with a very sharp man who really knew all the in’s and out’s of Florida foreclosure surplus law and saved us thousands!
    E.M.
    “I would highly recommend Attorney Haynes if the need arises!”
    I wanted to take this opportunity to thank Attorney Benjamin Haynes of Haynes and de Paz, P.A. for the counsel and guidance provided by him and his firm during my recent real estate foreclosure activity. His recommended approaches provided me the time necessary to list and complete a “short sale” of my property. Real Estate Foreclosure activities are often convoluted and intimidating and engaging Attorney Haynes was an excellent decision on my part. His representation enabled me to concentrate on moving forward while he dealt with the intricacies’ of the myriad Foreclosure statutes. With his assistance I was able obtain much needed relief from the pending Foreclosure action. I would highly recommend Attorney Haynes if the need arises.
    W.B.
    “Benjamin Haynes is a legal force you want on your side.”
    Benjamin Haynes achieved what we feared to be impossible—he saved our home of 25 years from foreclosure! The moment we shook Benjamin’s hand we knew we had made the right choice. There is something exceptional about this young man and this first impression followed through to an extraordinary victory--a mortgage modification, and a great one at that! To secure his success, Ben has chosen an extremely professional staff who made sure we were kept up to date and well informed of his progress. Benjamin Haynes is a legal force you want on your side.
    T.E.
    “Ben Haynes and staff are true professionals.”
    Ben Haynes and staff are true professionals. They explained all aspects of the case clearly and completely. As the case progressed they kept me informed and up-to-date not only on progress, but also on strategy, explained why as well as what at all times, their focus was on my best welfare. I am very happy with the services they provided, I feel highly confident and referring Haynes & de Paz, P.A. to others.
    M.W.
    “I can't say enough about this firm.”
    I can't say enough about this firm. I literally had 24 hours to file with circuit court or lose surplus funds from my father's Florida property. I goggled how to file myself and Haynes & De Paz popped up. I contacted them and they went to work immediately. Did every thing they said they would and collected the funds. Thank you!
    K.S.

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