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.
-
Ben, I want to thank you and your law firm for ease and comfort that I felt throughout my entire case. I felt at ease when I sat down with you. Everything was made simple for me to understand; I felt relief at last. The best part was that when I left your office I was no longer worried. So I could say more but the best thing I can say is thank you for the truth. You are what you say you are and that's hard to find nowadays. Everything has been taken care of, no question. So thank you so much. I will be using your firm when and if I need you.F.B.
-
I was very happy with the service provided. The staff was patient and understanding and were always available to answer my questions. I was most impressed with Attorney Haynes taking time on his Saturday to personally call me regarding an upcoming deadline in my foreclosure case. Mr. Haynes was able to get my mortgage loan modified to an affordable monthly payment so that I can keep my home and my foreclosure case was dismissed!L.P.
-
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
-
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 came to Benjamin Haynes at a time when I had very little options regarding my foreclosure. He was very confident in what we would be able to do and it was the biggest relief to turn things over to him and let him handle things from that point on. His assistant Ashley was also very helpful in the sense that she would get back to me when she said that she would and I always knew my messages were getting to Mr. Haynes. I personally do not plan on going through this again; however, if I know someone else who is, I would definitely recommend Benjamin Haynes for their case.K.D.
How Can We Help?
-
Stay Up To Date -
View All of Our Practice Areas -
Our Client Testimonials