It’s Your Home—Let Us Help Defend It
Your home is one of your most valuable assets, and when you have defaulted on mortgage or homeowner association payments, there is a chance of losing it. Foreclosure is a word that no homeowner wants to hear, but it doesn’t have to be the end. Parker & DuFresne has defended more than 700 foreclosure cases, and we have a wealth of experience working to stop foreclosure. With some of the best foreclosure attorneys in Jacksonville and Northern Florida, our team can help solve your most complex foreclosure problems and work toward the best solution. No matter if you are facing wrongful foreclosure, or need to make a loan modification, we can help.
What is a foreclosure? When a borrower has defaulted on their mortgage payments, a lender will seek to take possession of the property (“collateral”) to offset any loss. A foreclosure can also occur if a homeowner falls behind in payments to his homeowner association or condominium association. Florida has a unique situation where every foreclosure is a judicial foreclosure, meaning they are controlled entirely by the courts and governed by a set of guidelines. Our experienced foreclosure attorney can help you assess where you are in the process.
The Foreclosure Process
By falling behind on payments, the lender will begin the process of foreclosure. This is a lengthy process that varies from case to case:
Options to Stop Foreclosure
There are only so many options available when trying to stop foreclosure. By allowing our foreclosure attorney to negotiate with the mortgage company, it may be possible to reinstate the mortgage to allow you more time. Filing a Chapter 7 would buy you extra time to sell your house or move out. Filing Chapter 13 bankruptcy would most likely give you a chance to catch up with your payments.
In both Chapter 7 and Chapter 13, you can file a motion to compel your lender to modify the terms of your mortgage. Please call us to discuss mortgage modification in bankruptcy.
Experienced Foreclosure Attorneys Defending Your Home
Parker & DuFresne wants to give you the ability to fight your foreclosure. Our foreclosure attorneys will dedicate their time and effort to you. While we are litigating for you, you don’t pay the monthly mortgage payments. We will work to modify your loan and keep your home. Give our team a call.