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Reference Guide: Frequently Asked Questions

Foreclosure FAQ

Answered by an Orlando Foreclosure Defense Attorney

Is your home at risk of being lost to foreclosure? At Haynes Law Group, we proudly represent borrowers whose homes are threatened by foreclosure proceedings. We understand the urgency of your matter; therefore, we offer free consultations and make ourselves available 24 hours a day, 7 days a week.

Why we are the law firm to trust:

  • We will answer all of your questions.
  • We file the necessary paperwork.
  • We assist with loan modifications, short sales and other foreclosure alternatives.
  • We have special training in real estate transactions.

We have provided a list of frequently asked questions about foreclosure below, which we encourage you to continue reading.

For additional information, don't hesitate to contact our office to schedule a free consultation with an Orlando foreclosure defense lawyer!

I can't afford my mortgage, what should I do?

You should contact our office as soon as you realize that you cannot afford to pay your mortgage or if you have missed a payment. Ignoring the problem is a mistake; you may have options that are better alternatives over losing your home to foreclosure.

What types of options may I have?

If you want to work with your lender to keep your home, your options may include any of the following: reinstatement, forbearance, a repayment plan, or a loan modification.

What if I can't keep my home?

If you and your lender agree that you cannot keep your home, you still have options that may allow you to avoid foreclosure, including: a deed-in-lieu of foreclosure, a pre-foreclosure sale, an assumption, or refinancing.

Does Florida order deficiency judgments?

In Florida, deficiency judgments are allowed when the homeowner is personally served in the lawsuit; however, the courts have flexibility regarding the amount of deficiency, regardless of the type of mortgage.

Can I get my home back?

Once the foreclosure is over, you cannot get your home back. But, you have until the court clerk files the certificate of sale or until the time given on the foreclosure judgment to pay off the full amount of the unpaid loan to keep your house. This process is called "redeeming."

Are Florida foreclosures judicial?

Yes, Florida foreclosures are judicial, this means that the lender must file a lawsuit in court to foreclose on your home.

How long does the foreclosure process take?

Due to the backlog of foreclosures in Florida, the entire process can take a year or longer to complete, but you still want to explore your alternatives to foreclosure as early as possible.

If you are facing foreclosure, we urge you to contact Haynes Law Group right away to discuss all of your options in a free consultation. Since your home is likely the largest investment of your life, you will want to be sure that whatever decision you make, is an informed and educated one.

Contact us to get started on your free consultation.

"Haynes Law Group provided me with the best possible outcome in my case. It is without hesitation that I would retain them going forward if I needed great legal representation. Bravo. Well done." - Client Testimonials ​​​​​​

The Client Experience

  • “Thank you Haynes Law Group for helping me recover my surplus funds. It was quick and fast.”

    P.H.
  • “Everyone at the firm is so friendly and courteous!”

    B.K.
  • “Great law firm.”

    LL Lake Mary, FL
  • “Benjamin Haynes did an outstanding job for me.”

    F.M.
  • “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.
  • “Ben Haynes and staff are true professionals.”

    M.W.
  • “I could not be more pleased with Haynes Law Group”

    Roberto
  • “The bank didn't know what hit them!”

    T.Y.
  • “Ben and his team of lawyers are the best of them all!”

    J.M.
  • “I can highly recommend this firm.”

    L.H.
  • “Your team is very cordial and communication is truly top notch.”

    E.W.
  • “We couldn't have asked for a better law firm!”

    C.B.
  • “They got me the best possible legal and logical outcome.”

    B.S.
  • “Kept me at ease.”

    ML Tampa, FL
  • “Very pleasant and polite.”

    Chris Miami, FL

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