A foreclosure attorney can help you stop foreclosure on your home now!
It’s easy to get behind. Unexpected medical bills or less hours at work can mean that you just aren’t able to make your full mortgage payment. Just because you’re experiencing temporary financial difficulty doesn’t mean you should lose the roof over your head.
By hiring an experienced foreclosure defense attorney, you can ensure that every appropriate step is taken by the bank. Once we know that the foreclosure is being handled properly, we can look at a variety of other options to ensure that your family’s financial future has a solid foundation.
Robert Stiberman is a top rated foreclosure defense attorney serving in Florida. His law firm, Stiberman Law, is comprised of a team of experienced foreclosure defense attorneys with a proven track record of working in the law industry.
Our Florida foreclosure defense attorneys can help you find a solution that will prevent the bank from foreclosing on your home. We’ll look at your entire financial picture to determine which legal options are best.
No matter how difficult your situation may be, Stiberman Law has the resources and experience to manage your case.
Talk with a foreclosure lawyer at Stiberman Law today. The consultation is completely free.
We Can Help You To
The Real Estate Settlement Procedures Act is designed to help homeowners find a reasonable solution that keeps families in their home, while ensuring lenders are repaid in a reasonable manner.
By hiring an experienced foreclosure attorney, you can ensure that every appropriate step is taken by the bank. Once we know that the foreclosure is being handled properly, we can look at a variety of other options to ensure that your family’s financial future has a solid foundation.
Sometimes it just isn’t possible to get caught-up on your own. It’s okay. We can still help you pause the foreclosure process on your home.
Stiberman Law has experience helping families file for bankruptcy. This can be a really good option if you’re struggling to make ends meet, and you’re finding yourself further in debt every month.
Overwhelming debt is a vicious cycle. Good people end up in over their head because of medical bills, accidents or just plain old bad luck. We get it.
When you file for bankruptcy in Florida, an automatic stay is issued by the bankruptcy court to your creditors. This means that all collection efforts against you are stopped. This includes foreclosure.
Depending on your circumstances, you may be able to stay in your home. Even if you’re unable to keep your home, a bankruptcy can give you additional time to find a new place to live – someplace that will be a happy home instead of a financial burden.
You may not need to file for bankruptcy. A short sale allows you to list your home for less than you owe on your mortgage. You’ll need to get approval from your lender to do this. Your lender will like it because it allows them to avoid the cost and expense associated with completing the foreclosure process.
If you’re underwater (Your home is worth less than what you owe to the bank.), a short sale can be the best solution. But if you think you’ll still struggle to pay your other debts after downsizing your home, a bankruptcy could be a better solution. Bankruptcy deals with all of your debts, not just your mortgage.
Short sales can also be a frustrating process for home buyers. The lender has to sign off at a variety of stages, causing delays. Many buyers aren’t willing to put up with the headache of completing a short sale home purchase unless the deal is really, really good.
Again, speaking with a foreclosure lawyer is the best way to determine what options make the most sense, based on the specifics of your situation.
One option available to struggling homeowners is to sign the deed over to the lender as part of an agreement. This is different from a foreclosure because it is initiated by the borrower. Many lenders have very strict requirements and processes for initiating this process, which is why it’s important to consult a foreclosure lawyer before submitting any paperwork.
If your attempt to initiate this process is rejected, the bank could turn around and foreclose on you. If the bank does agree to accept a deed in lieu of foreclosure, any remaining debt could still be collected by the bank in the future.
Remember, the sooner you call a foreclosure lawyer, the more options you’ll have available to you. Don’t wait until it’s too late. We may be able to help you keep your home.
Frequently Asked Questions
A experienced foreclosure defense attorney can help you make the best decision for you and your family.
Why Choose Stiberman Law?
If you need to stave off the foreclosure through foreclosure defenses, our attorneys can help you.
We offer comprehensive mortgage foreclosure defense services by our experienced attorneys.
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Schedule a Free Consultation with a Foreclosure Defense Lawyer
If you are experiencing financial difficulties and are at risk of defaulting (i.e. falling behind on your payments) and going into foreclosure, contact our attorneys for a free consultation.
Meet Robert Stiberman
Choosing a law firm to represent you is an important decision. I was admitted to The Florida Bar in 1998 after graduating from the University Of Miami School Of Law in 1996. I began my legal career as a volunteer attorney in the Miami Dade Public Defenders Office. I also worked as an associate for a firm in South Florida that handles real estate related matters. In 2007 I opened my own law practice and in 2009 I began to represent clients in Bankruptcy matters. I am admitted to the United States District Court for the Middle and Southern District of Florida. I invite you to compare my qualifications and experience to those of other attorneys you might be considering.
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