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Foreclosure Defense Protecting Your Future

Foreclosure Defense Lawyers in St. Petersburg

Protecting Your Home from Foreclosure

Boss Law has successfully represented hundreds of homeowners who were facing foreclosure. The goal of our St. Petersburg foreclosure attorneys is to help each client find a way to save their home. We have helped numerous clients avoid foreclosure completely and helped others avoid judgments after a foreclosure. In addition, we can even delay a foreclosure, allowing you additional time to either sell or vacate your home. Boss Law is here to help, so don't wait to give us a call at (727) 877-3188.

Your home isn’t just a financial investment – it is an emotional investment and something you cherish. Trust our debt relief attorneys to protect it just like you would.

About Foreclosure in the State of Florida

Foreclosure begins after a borrower defaults on his or her mortgage terms. Most mortgage lenders will begin the foreclosure process 90 to 120 days after the last mortgage payment was made. While mortgage lenders may try to work with you, ultimately, the foreclosure process will begin. At this point, the first step is to contact a qualified foreclosure defense attorney for advice. Upon service of a foreclosure complaint, you have 20 days to respond to the foreclosure and provide a defense.

What Happens if I Don’t Respond to the Foreclosure?

If you fail to respond to the foreclosure complaint within 20 days, the court may enter a default against you in favor of the mortgage company. The foreclosure action will continue and will result in the court ordering the sale of your home to satisfy the outstanding debt.

What Happens if I Respond to the Foreclosure?

If all parties answer the complaint, the court will set a hearing. After the hearing, a final judgment is entered by the court. The judge may rule in favor of the lender. If that happens, the judge can order the sale of your home within 30-45 days.

Foreclosure Sales: What Happens Next

At a foreclosure sale, the property will be up for sale to the highest bidder. The bidder will then receive title to the property 10 days after the sale. If someone is living in the property at the time, they may be evictedor removed from the property subject to a writ of posession.. During the 10 day period following the foreclosure sale, the defendant can contest the sale, but only if he or she can prove that there were irregularities in the auction process, which resulted in the property being sold far below its value. The foreclosure process can be complicated and heart-wrenching.

How to Defend against Foreclosure

When you face foreclosure, you may have options. These options, including deed in lieu of foreclosure and loan modification, will depend on the unique facts and circumstances of your case.

You may also be able to raise a legal defense against your lender’s foreclosure action. Some of the possible defenses include:

  • Lack of standing – In order to file a lawsuit against you, your lender must be able to prove they hold the promissory note and mortgage. This can often be difficult to do, since mortgages often change hands through sale and transfer. You can attempt to raise doubts about your creditor’s standing.
  • Improper accounting of mortgage payments – You may be able to demonstrate that your lender violated your mortgage's rules in some manner. This could include a failure to correctly charge costs, or even improperly crediting payments.
  • Violation of the FCCPA – Under the Florida Consumer Collection Practices Act, lenders are required to provide written notice to the borrower within 30 days of a mortgage transfer. If you did not receive this notice, you may be able to gain a favorable ruling.
  • Unclean hands – This defense depends on being able to prove that your lender engaged in some fraudulent or illegal transaction, or any oppressive conduct towards you.
  • Failure to provide adequate notice of default – According to most mortgage contracts, a lender must notify a borrower that their loan is in default, including the action that must be taken to cure the default, 30 days prior to initiating a foreclosure lawsuit.

Our debt relief attorneys have experience representing numerous homeowners in need throughout the Tampa Metro Area and the state of Florida. Let us help you explore your available avenues to better financial health.

Our St. Petersburg foreclosure defense lawyers are here to help you fight to keep your home. Call Boss Law at (727) 877-3188 to get started with a free consultation.

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  • They were spectacular in working with me every step of the way.

    “Chris and the team at Boss Law are absolutely top-notch, they provided excellent counsel and guidance to enable me to resolve a fraudulent account and associated lawsuit in under 45 days from first ...”

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  • Years of experience play a key role in his ability to solve problems quickly and efficiently.

    “Chris is an amazing lawyer that can help with a multitude of items. Chris always treats you with respect and focuses on you and your issues at the present. Years of experience play a key role in his ...”

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  • Within the first few minutes of our conversation, Chris made me feel at ease & hopeful again!

    “I only wish I had found Boss Law sooner! After hiring another costly company, my situation and confidence had only worsened. I was ready to give up. By the grace of God, I was introduced to Mr. Boss! ...”

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  • They are highly skilled, very responsive, and get the job done.

    “Best law firm out there to make your creditors and the credit bureaus pay for damaging your reputation and for not following the Fair Credit Reporting act. They are highly skilled, very responsive, ...”

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Values Our Firm Stand By

Learn Why Clients Choose Boss Law 
  • No Fee Unless We Win!

    Your consultation is free and with an experienced attorney. You don't pay any "out of pocket costs" unless we win!

  • Focused on Your Rights

    If you’re dealing with unfair debt collection practices or creditor harassment, we will fight for your legal rights.

  • We Care

    When you hire with Boss Law, you can rest assure your well-being is our priority. We strive to make the process as stress-free as possible.

  • Experience

    Our attorneys are backed by more than 20 years of combined legal experience and can help you choose the best path for your legal matter.

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