Foreclosure in Florida:
Legal Options to Save Your Home
If you received a foreclosure lawsuit or are behind on your mortgage payments, acting quickly can make all the difference.
“I began my legal career in 2008 defending hundreds of families through the foreclosure process. There are many options available, but you must act quickly to save your home and continue living in it.”
— Attorney Cristina M. Ortiz
Act Quickly: You Have Options
Receiving a foreclosure lawsuit can feel overwhelming, but it does not mean everything is lost. In Florida, there are legal options that may help you defend yourself, negotiate with the bank, and protect your property.
The most important thing is to act on time. If you received a notice or lawsuit, do not ignore it.
What Should You Do If You Receive a Foreclosure Lawsuit?
1. Review the Notice
A foreclosure case begins when you receive a formal notice related to your property, also known as a Lis Pendens.
2. Respond Within the Required Time
In many cases, you have a limited amount of time to respond to the court. Failing to respond may cause the case to move forward against you.
3. Seek Legal Help
A proper response can be the first step in defending your home. An experienced attorney can help you evaluate your options and prepare a legal strategy.
How Can We Help Defend Your Home?
There are different strategies depending on your financial situation, the status of your mortgage, and whether you want to keep the property.
Deferment Plan
Allows certain missed payments to be added to the end of the loan, depending on the bank’s conditions.
Lump Sum Payment
Consists of paying the full past-due amount in one payment to bring the loan current.
Forbearance
The bank may allow you to pause or reduce payments for a short period while you regain financial stability.
Payment Plan
You may be able to negotiate additional payments along with your regular monthly payment to catch up on the past-due balance.
Loan Modification
Allows you to renegotiate the terms of your loan to make the payment more manageable.
Chapter 13 Bankruptcy
May help stop foreclosure and reorganize missed mortgage payments through a supervised repayment plan.
Chapter 7 Bankruptcy
May help eliminate other debts and free up resources to protect your home.
Short Sale
If you decide to sell the property, you may be able to negotiate a short sale with the bank.
Why Choose Us?
We Offer:
Free evaluation.
Convenient payment plans.
Experience and professional support.
Personalized client attention.
A simple process, guided step by step.
Service in your language: we are Hispanic.
Many Hispanic families are unaware of the legal options that may help them overcome a financial crisis or protect their home.
Our team is dedicated to guiding the community with clarity, experience, and service in Spanish.
Call us at (305) 702-2797.
Informational Videos
Watch Our Informational Videos About the Foreclosure Process
Learn more about your rights, available legal options, and the steps you can take to protect your home.