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If you are facing foreclosure, or about to be served with a foreclosure lawsuit, knowing who can help in your time of need can lessen the stress. Foreclosure can be a stressful and lengthy process, but there are many Tampa Bay area law offices that can help. If you have made every attempt to pay your mortgage payments and your bank is still refusing to negotiate, you might feel helpless.
What to Know About Florida Foreclosure
If a homeowner has fallen behind on mortgage payments and fails to make new arrangements with their lender, the homeowner faces the risk of foreclosure. In Florida, a lender cannot foreclose on a property without a court order.
If the homeowner is behind or hasn’t made payments, the lender will decide to foreclose the property and file a complaint with the court. The homeowner will then receive a copy of the complaint.
Who You Can Contact For Help
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Tampa foreclosure defense attorneys are ready to provide you with the guidance you need so you can know and understand your legal rights.
Read the list below to find a Tampa foreclosure lawyer that can assist you with exploring the best course of action.
Florida Law Advisers, P.A.
The experienced foreclosure attorneys at Florida Law Advisers, P.A. understand that each real estate owner has different circumstances. Providing personalized foreclosure defense strategies, this Tampa Bay law firm can assist you if you wish to keep your property and prevent foreclosure through loan modifications or bankruptcy.
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The Tampa FL attorneys at Florida Law Advisers, P.A. can also protect homeowners with the entire process, including walking away from your property without being responsible for any debt in the short sale.
If you are looking for a Tampa foreclosure attorney specializing in commercial real estate or are in need of a foreclosure defense or loan modification, consider contacting Florida Law Advisers, P.A.
According to their website, they will provide a free initial consultation and will provide you with options regarding the following:
- loan modifications
- bankruptcy
- short sale
- estate planning
With an A+ rating from the Better Business Bureau and many positive reviews online, the Tampa foreclosure defense lawyers at Florida Law Advisers, P.A. are ready to provide you with the legal assistance you need.
Florida Law Advisers, P.A. Contact Information
- 1120 E Kennedy Blvd Unit 231, Tampa, FL 33602
- You can contact them by visiting their website or calling (844)-678-6932.
Torrens Law Group, P.A.
Another Tampa Bay area law firm that can assist with the foreclosure process and provide you with foreclosure defense or other foreclosure alternatives is Torrens Law Group, P.A. The Torrens Law Group specializes in the following:
- Foreclosure Defense
Torrens Law Group has an experienced foreclosure attorney that will work with you to find the best solution. If you have been served with a foreclosure lawsuit, you could benefit from the legal assistance that a Tampa foreclosure lawyer can help provide.
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- Mortgage Modifications
Loan modification provides several benefits to you as the homeowner. If you are approved, you can potentially avoid foreclosure on your property. The loan modification process could take some time so it is best to reach out to your lender right away to see if this option would work for you.
- Loan Reinstatements
Paying the past due balance to the bank falls under the loan reinstatement category. If you fall behind on your mortgage payment, you can request and receive a reinstatement quote from the bank or mortgage company. If you are able to secure funds for reinstatement, it could be a quick resolution when facing foreclosure.
- Cash for Keys
Cash for keys is when you come to an agreement or deal with your bank regarding your home foreclosure. You would give up your home in exchange for a cash payment for relocation help, a release from the mortgage debt, and an extension of time in order to move.
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Keep in mind there are impacts to your credit if you accept a “cash for keys” deal because you are agreeing to a Final Judgment of Foreclosure being entered against you. This means the lender can foreclose on the property.
- Short Sales
A short sale is when you sell your home and the bank agrees to accept an amount less than the remaining balance of the home. Most of the time with a short sale you are released from the debt as part of the deal. Make sure to consult with your attorney before agreeing to or signing a short sale.
- Deed-in-Lieu of Foreclosure
The deed-in-lieu of foreclosure is only available if you do not have other liens, second mortgages, or lines of credit on your property. A deed-in-lieu is when you sign your deed back over to the bank for in exchange for a cash payment. You are also typically released from debt. Again, discuss with your Tampa FL foreclosure attorney to know if this option is available to you.The Torrens Law Group stresses the importance of responding to a foreclosure complaint within the 20 days.
You can call The Torrens Law Group for a free consultation. They have foreclosure defense attorneys in the Tampa Bay area available to help you understand the foreclosure process.
The Torrens Law Group, P.A. Contact Information
- 4016 Henderson Blvd, Suite D, Tampa FL 33629
- You can visit their website here or call (813) 260-4883
Cremeens Law Group
Cremeens Law Group is another Tampa Bay area law firm that helps its clients avoid foreclosure. Their foreclosure defense and bankruptcy attorneys have decades of experience if you have been served a foreclosure notice.
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The Cremeens Law Group prioritizes the attorney client relationship and will work with you to explore the best options for your foreclosure defense.
Keep in mind that banks, mortgage companies, and other lenders will typically not provide you with the help you need to understand the foreclosure process. This is why hiring a Tampa foreclosure lawyer or Tampa bankruptcy lawyer from a law office like the Cremeens Law Group is in your best interest.
According to their website, their main goal is to help you keep your home. Here are some of the solutions they provide if you are facing foreclosure:
- postponing foreclosure and allowing you to stay in your home longer
- lowering your interest rate
- getting rid of or reducing late payment fees
- lowering your monthly mortgage payments
- minimizing any damage to your credit report
Each foreclosure case is different and the team at Cremeens Law Group is ready to help. If you are in Tampa, Florida and need assistance, contact Cremeens Law Group for a free consultation.
Cremeens Law Group Contact Information
- 5100 W Kennedy Blvd, Tampa, FL 33609
- Visit their website or call (813) 683-8688
Stephen K. Hachey
If you have a Florida foreclosure matter that needs assistance, consider contacting The Law Offices of Stephen K. Hachey, P.A. With over nine years of experience handling residential clients facing foreclosure, loan modification, and short sales, Stephen K. Hachey is another option if you are looking for Tampa foreclosure attorneys.
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According to the website, Stephen K. Hachey provides foreclosure defense and will work to force banks prove its foreclosure case. Here are some ways the The Law Offices of Stephen K. Hachey, P.A. can help:
- Mortgage Loan Modifications
Mortgage loan modifications are an alternative to foreclosure because of the reduced cost to the lender and borrower. The goal is to become current on your payments or potentially lower the payment. This can be a lengthy process but it can help you stay in your home.
- Short Selling to Avoid Foreclosure
If you don’t have the funds for a loan modification, short sales could potentially be an option. Short sales allow you to sell your home for less than what you currently owe on your mortgage. However, your lender must agree to a short sale.
- Understanding The Bankruptcy Process
Another option if you are facing foreclosure is to file for bankruptcy. If you file for bankruptcy, you can potentially reorganize your debt and keep your home.
The Law Offices of Stephen K. Hachey, P.A. recognizes the importance of helping you find any foreclosure alternatives.
The Law Offices of Stephen K. Hachey, P.A. Contact Information
- 15619 Premiere Drive Ste 104A Tampa, FL 33624
- Visit their website or call for a free consultation: (813) 549-0096
Bottom Line
If you have found yourself in a situation where you are facing foreclosure or considering filing bankruptcy, contacting an experienced Tampa attorney can greatly benefit you through the process.
The offices and lawyers provided in this list offer many services that can assist in understanding and finding the best course of action for your Florida foreclosure. It would be wise to research each attorney on the list and find the best one for you.
Remember that each situation is different and there are Florida lawyers willing to help in your time of need.
