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 lawyer 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 Florida Foreclosure lawyer at Stiberman Law today. The consultation is completely free.FREE CONSULTATION
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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.
Fortunately, there are many solutions to resolve mortgage debt problems and stop foreclosure in Florida. Some of them are as follows:
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.
A bankruptcy attorney can explore the benefits of Chapter 13 bankruptcy to help you stop the foreclosure process and catch up on missed mortgage payments.
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.LEARN MORE
Frequently Asked Questions
Foreclosure attorneys understand the foreclosure process and know how to negotiate mortgage modifications or payment plans with banks that will help you avoid having to give up your home.
A experienced foreclosure defense attorney can help you make the best decision for you and your family.
Choose Stiberman Law
We represent borrowers in foreclosure litigation and in all other aspects of residential and commercial foreclosures, keeping our clients’ goals in mind and looking for the most efficient ways to achieve our clients’ intended results.
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Meet Robert Stiberman
Robert Stiberman has been serving clients in Florida for over 20 years. He has helped thousands of homeowners avoid foreclosure and save their homes.
Speaking to our law firm is always 100% confidential. We do our best to respond to inquiries in under 24 hours.
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