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Orlando Foreclosure Defense Lawyer

About Foreclosure in Florida

In today's economy, homeowners are experiencing the threat of losing their homes more than ever before. In fact, according to a real estate tracking report from CoreLogic, Florida leads the country with 102,000 foreclosures in the year of 2013 alone and has the highest ratio of foreclosure cases in the United States, coming in at 9.5 percent. After the economy collapsed and took home property values with it, banks have never been more unwilling to help struggling homeowners. If you are a Florida homeowner and have been served with a foreclosure complaint, remember that you are absolutely not alone in your battle.

We are adept at helping people find effective ways to deal with a variety of real estate issues or debt negotiations. By offering personalized service, the attorneys at Perez Conrique Law offer specifically designed plans for the most optimal resolution to your financial hardships. We offer our legal advice on a variety of foreclosure and bankruptcy strategies. No matter what your hardships may entail, consulting a qualified and compassionate Orlandoforeclosure defense attorney who understands the importance of a balanced and stable family home life is vital to your well-being.

Avoiding Scams

Oftentimes, homeowners become the victim of unethical or fraudulent debt negotiation companies. Though it may seem like you are taking proactive steps to get out of your financial hardship by speaking to debt negotiators, the reality is there are scam artists that specifically prey on desperate homeowners who are willing to take any step necessary to save their homes. Speaking to a professional foreclosure defense attorney can help you avoid deceiving mortgage relief schemes and bankruptcy scams.

Deed in Lieu of Foreclosure

A deed in lieu of foreclosure is a written agreement between a borrower (homeowner) and a lender, in which the lender agrees to take the title of a property from you in lieu of foreclosing. This process releases homeowners from their mortgage debt and allows homeowners to hand the deeds to property back over to a lender. In some cases, homeowners can receive monies for moving assistance as part of the deed in lieu negotiation. Not all homeowners qualify for a deed in lieu. The attorneys at Perez Conrique Law are available to discuss the particular aspects of your case and what you may qualify for.

Foreclosure Alternatives

The first thing to know when facing foreclosure is that you do have options. What options are available to you will depend on a number of factors particular to your own unique circumstances. It is important when choosing the right option for you and your family to work with an experienced foreclosure attorney who understands your goals. Our attorneys can help you analyze the various options available and the risks and benefits of each so that you can decide what is the best alternative for your families.

How Foreclosure Affects Credit

Foreclosing or filing for bankruptcy can be frightening for most, not only because of guilt, or embarrassment, but because of the financial implications it may bring. Your financial future is not destroyed, as many may have falsely led you to believe. You have the right to enjoy your life, and by speaking with an Orlando foreclosure defense attorney, this could be a fresh restart for you and your family.

Government and Lender Programs

If you are facing foreclosure, you are going to want to find out if there are any government or lender programs that may allow you to keep your home and avoid foreclosure. We are familiar with the government programs available to homeowners and can help people petition for a loan modification from their lender.

Loan Modifications

Loan modifications involve making one or more changes to the term of your mortgage loan and may include reducing your interest rate, lengthening your loan, reducing penalties and late fees, and other tactics that make your loan more affordable. Loan modifications are an excellent option for those who can afford a lower payment and whose lenders agree to modify the terms of a loan.

The Foreclosure Process

Generally, when a borrow becomes 90 to 120 days behind on their mortgage payments, lenders can begin to take legal action in an effort to take back the property. This legal action is known as foreclosure. In Florida, all foreclosure proceedings must go through the court system. Once a homeowner is served with a Foreclosure lawsuit, they generally only have 20 days to respond to the lawsuit. It is important to understand that working with the bank towards a loan modification or a short sale does not stop the foreclosure lawsuit from proceeding and once certain defenses are waived by the homeowner’s failure to them, they may be gone for good. An experienced foreclosure defense lawyer can assert your defenses, and help you stay in your home.

Short Sales

A short sales or pre-foreclosure sale refers to an agreement between a homeowner and their lender to sell a home for less than what is owed on the mortgage. Many homeowners take the route of a short sale to avoid going through foreclosure. Without proper legal guidance, however, serious problems could arise, such as being forced to produce a certain cash amount at closing.

What Is Predatory Lending?

If there is evidence that you signed to a loan where unethical practices or fraudulent mortgage lending practices were applied, you may be entitled to damages. In some cases, mortgage loans may be rescinded or undone. Speaking with an attorney can help establish if you have grounds to challenge a lending violation.

Do I Need a Foreclosure Lawyer?

If you are facing foreclosure, it is in the best interest of you and your family to contact an Orlando foreclosure defense attorney. Without proper legal consultation, you may become victim to scam artists, unethical loan plans, or unforgiving banks. The ultimate goal of our Orlando foreclosure defense attorneys is to save your home, and help guarantee a stable financial future for your family.

Perez Conrique Law Advocates on Behalf of Orlando Homeowners

Attorney Perez has devoted her practice to helping her clients understand the confusing legal process of foreclosure, bankruptcy, and debt negotiation. In addition, because the legal team at Perez Conrique Law understands the importance of having a high-quality life, our attorneys give clients personalized counsel on how to regain balance and normalcy in their personal lives. We have more than 20 years of combined experience, and we pride ourselves on offering only personalized legal services that are fine-tuned to each of our client's specific needs and goals.

At Perez Conrique Law, we represent Florida homeowners who are facing possible foreclosure or bankruptcy. To protect your rights, your home, and your family, it is vital that you seek an experienced Orlando foreclosure defense attorney to help you through this financially unstable time. Contact our firm to speak to one of our attorneys or fill our free case evaluation form.

Perez Conrique Law - Orlando Foreclosure Attorney
Located at 746 North Magnolia Avenue, Orlando, FL 32803. View Map
Phone: (407) 749-1591 | Local Phone: (407) 545-4400.
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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.