Foreclosure Defense

Protect Your Home, Your Rights, and Your Future

Facing foreclosure? You’re not alone—and you’re not without options. Our Foreclosure Defense attorneys have handled hundreds of cases and are ready to guide you through every step of the legal process with experience, strategy, and compassion.

Whether you’re behind on mortgage payments, facing a cross-collateralization issue, or simply need time to evaluate your options—we’re here to help.

🏠 What Is Foreclosure?

Foreclosure is a legal process where a lender takes ownership of your property after you default on the terms of your mortgage loan. The note is your promise to pay, while the mortgage is the legal claim your lender holds on the property.

But foreclosure isn’t always straightforward—and neither are the options for defending it.

⚠️ Cross-Collateralization: A Hidden Risk

You may be current on your primary home loan—but if you’ve defaulted on a separate loan with the same lender (such as on an investment property or rental), your lender may initiate foreclosure on your home. This is known as cross-collateralization.

Our attorneys know how to fight these complex claims—and how to protect your most important asset: your home.

⚖️ Your Lender Will Be Represented by an Attorney. Shouldn’t You?

If you’ve been served with a foreclosure lawsuit in Florida, you have only 20 days to respond. Missing this deadline could result in a default judgment, severely limiting your ability to contest the foreclosure.

We can help you:

• Respond within the legal deadline

• Comply with Florida’s strict procedural rules

• Build a defense that protects your legal and financial interests

🔄 Foreclosure Alternatives: Is a Negotiated Solution Right for You?

We work with homeowners to explore all available alternatives to foreclosure, including:

• Loan Modifications – Reduce monthly payments to an affordable level

• Short Sales – Sell your home for less than you owe, with lender approval

• Deeds in Lieu of Foreclosure – Voluntarily transfer the property to the lender to stop legal proceedings

• Mediation – Get the lender to the table and negotiate with someone who has real settlement authority

These options may reduce fees, protect your credit, and preserve your peace of mind. We’ll guide you through each one.

🔍 Why Legal Review Matters

Lenders often present documents that are legally complex and written to protect their interests—not yours. Before signing any:

• Loan modification

• Short sale agreement

• Deed in lieu of foreclosure

Have an attorney review the terms to ensure:

• The debt is fully resolved

• You’re not exposed to future costs or liability

• You understand your new obligations

🛡️ What Happens After You Respond to the Lawsuit?

After you file a response, the court will likely set a hearing date. During this phase, our attorneys can:

• Appear on your behalf

• Request mediation

• Negotiate settlement terms

• Ensure your voice is heard in court

Florida courts have the authority to order mediation, giving you a powerful opportunity to avoid foreclosure and find a workable solution.

🧾 Is Bankruptcy an Option?

In certain cases, bankruptcy can provide foreclosure relief, particularly if:

• You’re current on your first mortgage but facing pressure from a second mortgage or an investment property loan

• You need time to reorganize your finances

• You want to strip a lien or negotiate commercial mortgage terms

Visit our Bankruptcy Law site or consult with our team to determine if this option is right for you.

💳 How Do I Pay for Foreclosure Defense?

We strive to make legal representation accessible during difficult financial times. We accept:

• Cash, Check

• Visa, MasterCard, and all major credit cards

• Monthly payment plans available for qualified clients

📞 Don’t Wait. Contact Us Now.

Every day counts when you’re facing foreclosure. Let our experienced attorneys evaluate your case, explain your options, and help you make informed, empowered decisions.

Attorney Shaun Saliba and our team are here to help you protect what matters most.

St. Johns Law Group — Defending Homes, Families, and Futures Across Northeast Florida.