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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.
    “Thank you for all your help!!”
    I just wanted to send a quick note and tell you how impressed I was in your handling of my case. From the beginning you took the time time to explain the process and what to expect along the way all of which resulted in the best conclusion I could have hoped for. I can not express the relief I feel that I can finally put this behind me and move forward. Thank you for all your help!!
    D.H.
    “You won me the full amount of my foreclosure surplus funds without having to pay any other parties!”
    My conversations with you and your employees especially Ashlee have been tremendous, very informative and helpful . When I first received notices from other firms about the foreclosure surplus funds I thought it was all a joke , I thought you’ve got to be kidding me since the house is not worth that much, but then when I received your letter and confirmed the sale on the internet, I selected your firm and you were very informative about my marital situation when we first talked on the phone , for that I am extremely grateful for your knowledge on my situation. You helped win me the full amount of my foreclosure surplus funds without having to pay any other parties. If you need a great Tampa foreclosure surplus lawyer, hire Ben Haynes!
    J.M.
    “Benjamin Haynes did an outstanding job for me.”
    Benjamin Haynes did an outstanding job for me, through his relentless negotiations and persistence, Ben Haynes was able to obtain a deficiency free judgment for an investment property. Ben Haynes has convinced me he has integrity, honesty, loyalty and commitment to his clients.
    F.M.
    “I'd give them 10 stars if I could”
    After going through several unresponsive and hard-to-work-with attorneys, we found Haynes Law Group. Ben Haynes and his team were helpful from the first consult, arriving prepared with a plan. The team was extremely responsive and professional throughout the process. They answered all our questions and ensured we felt comfortable and informed. I would give them 10 stars if I could and highly, highly recommend!
    Jessica H.

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