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.
- The process begins when the borrower defaults on the loan by missing multiple payments, and then the lender files for foreclosure with the court.
- The court will set a date for a hearing in which both parties must appear before presenting evidence on their respective positions.
- 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.
- If sale is ordered, then it must be done through public auction where any interested party may make an offer to purchase.
- 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.
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We contacted Haynes & De Paz as we quickly realized we required assistance obtaining surplus funds from a foreclosure sale. Being from Canada and having an extra messy case with numerous parties involved - the process was extra confusing and we did not know the best way to go about this. We initially thought it would be a simple procedure in that once the sale occurred and once there was confirmation that there were in fact surplus funds - we'd fill out a basic template form to obtain those funds. We couldn't have been more wrong but this is a common misconception. After an attempt to contact the court with no response, we quickly realized we needed the help from an expert. We located Mr. Benjamin Haynes at Haynes & De Paz but had concerns being that he was located in a different county in FL than the court was in... Mr. Haynes didn't even bat an eye. I filled out a form online requesting information and within minutes he called me personally. The entire procedure including the Motion took less than two weeks and I can't believe how efficient he was. He and his assistant, Ashlee are remarkable at communicating with you and updating you every step of the way. The legal fees are reasonable and well worth it. This turned a nightmare into a dream. I highly recommend Mr. Haynes to assist in your surplus funds case... my review is just one of the many that can vouch for his remarkable professionalism and services. You honestly won't regret it.J.D.
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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.
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Haynes Law Group are great, I highly recommend them! Mr. Haynes personally walked myself and my siblings through our case every step of the way. His staff are also amazing, they answered any questions or concerns promptly and accurately. Excellent practice from top to bottom, thanks again!E.I.
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I want to thank the office of Haynes Law Group for all they did for my loan modification - Attorney Haynes, Ashlee Walker and Alexandra Slagel were always very professional - they were always there to answer my questions and ease my stress level. This time is always difficult but with a team like this is was smooth and I always had this amazing team taking care of me and making sure in the end we got what we wanted. I always knew they had my back. Again thank you for everything you did for me forever grateful!A.J
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Just wanted to say thank you. Your advice was invaluable and helped me throughout the entire process. Because of you amazing representation, I was able to get the EXACT outcome I was hoping for!C.R.
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