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.
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.
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.
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
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.
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
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.
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.
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
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.