Tampa Foreclosure Defense Attorneys
You’re in over your head. Your mortgage is underwater. You may be feeling like there is nothing you can do to save your home. At a difficult time like this, it is in your best interest to have an experienced Tampa foreclosure defense attorney looking out for you and your family, depending on your goals.
I founded the law firm of All Family Law Group (Lynette Silon-Laguna, P.A.) , in 1997 to provide people in Florida, and the surrounding areas with the personalized service and skilled representation they need to effectively resolve their important legal issues.
Have you been served a foreclosure notice? You have options. To discuss your options with one of my experienced foreclosure defense attorneys, call 813-672-1900 today for a free initial consultation.
What Can My Firm Do for You?
My team of experienced bankruptcy and foreclosure attorneys and knowledgeable legal staff are ready to help you explore your foreclosure defense options.
After filing a foreclosure notice, banks are required to follow very specific guidelines. My firm attorneys will make sure you understand all of your options and explore every possible foreclosure defense, including, but not limited to:
- Improper assignment of your mortgage from one lender to another.
- Violations of the Truth in Lending Act.
- Failure to include required documents, such as a copy of the original mortgage or mortgage assignment, if any.
- Acceleration clause in the mortgage that requires the lender to take certain steps prior to filing for foreclosure.
These defenses may be able to be rectified by the lender and, thereby, preclude termination of the foreclosure action; however, they can delay the foreclosure action long enough for you to sell your house, refinance or modify the loan, obtain a forbearance agreement or a Deed in Lieu of Foreclosure, or stay in the house long enough to find alternative housing without making a mortgage payment.
If those foreclosure defense options do not work in your case to stop foreclosure, another option is to file for Chapter 13 bankruptcy. This should be considered only if you will have the ability to make the payments ordered by the Court, which will include a prorated past-due payment as well as a current monthly payment.
Foreclosure: What Are Your Rights?
Helping People Save or Forestall Foreclosure of Their Homes in Tampa & Riverview
If an action for foreclosure has been filed against you, it may be delayed long enough to give you options to save your home or, at the very least, to allow you to stay in your home during the foreclosure process without making the mortgage payment. Furthermore, by delaying the foreclosure action, you would have the opportunity to sell the house by short sale or otherwise, refinance the mortgage with another lender, obtain a loan modification with your current lender, obtain a forbearance agreement or a Deed in Lieu of Foreclosure, or file a Chapter 13 Bankruptcy.
Your first step is to contact an experienced attorney who can help you explore your options. I founded the law firm of All Family Law Group (Lynette Silon-Laguna, P.A.), in 1997 to provide the people in Tampa and all of Hillsborough County with effective, amicable and empathetic solutions to their legal problems. My attorneys and staff are committed to providing you with the personalized service and professional representation you deserve.
For answers to your important questions about foreclosure and to learn more about how we can help you save your home or forestall foreclosure, contact us today for a free initial consultation with a lawyer.
What Does Foreclosure Mean for You?
The term foreclosure has been heard a lot lately in the media, but what is it, really? Foreclosure is an action taken by the lender and filed with the Court to take your property when you have not timely made your mortgage payments. You are personally served with a foreclosure petition and you have 20 days thereafter to respond to the lender and to file a copy of your response with the Court.
If you have been served with a foreclosure notice, you should not sit back and see what happens. You have options for either forestalling or possibly terminating the foreclosure action. Banks are required to take very specific steps during the foreclosure process, and we will protect your interests throughout the process.
You Need to Act Quickly
It is important to contact my firm as soon as possible if you have been served with a foreclosure petition. Under Florida law, as you only have 20 days to respond to this notice, it is critical to discuss your legal options with one of my attorneys to avoid the bank’s default on your foreclosure action.
Contact Our Tampa Foreclosure Attorneys
If you have questions regarding divorce, family law or bankruptcy, as well as foreclosure solutions, contact the law firm of All Family Law Group (Lynette Silon-Laguna, P.A.) We provide a free initial consultation, accept MasterCard, Visa, Discover and American Express, and charge reasonable and competitive rates. Furthermore, to assist you we have a team of legal assistants and associate attorneys, including a Spanish-speaking associate attorney.
Our office is conveniently located in the Riverview/Brandon area on Highway 301 South directly off of Interstate 75, near the intersection of Bloomingdale Avenue. Contact our firm by e-mail or call 813-672-1900. We will respond immediately!