Your home is likely your most significant asset, and if you’re like most homeowners, you’ve made monthly mortgage payments for years to eventually make it your own. When unexpected circumstances such as a job loss or medical emergency occur, and you can’t make those payments on time, it can put your home at risk of foreclosure. It’s important to know there are steps you can take to keep your home or sell it while limiting your loss. KDM Law Firm PLLC represents homeowners in the Tampa area and throughout Florida who are at risk of having their homes foreclosed. Whether I challenge your lender in defending you against foreclosure or work with your mortgage company or bank to reach acceptable terms that benefit you, you can count on my counsel and advice.
When your lender initiates a foreclosure action, it’s essential you take prompt action. As your attorney, depending on your circumstances, I will get to work to uncover the facts and may be able to challenge the foreclosure if I find:
If these situations or others exist that show your lender has engaged in a foreclosure action that’s illegal or unwarranted, I will press your case in court. While your case is pending, your foreclosure will be put on hold, offering you a much-needed break while I work to help you save your home. If filing for Chapter 13 bankruptcy offers you a better option for repaying your debt and keeping your house, I can guide you through the process.
In many cases, homeowners may be able to work with their lenders to avoid foreclosure. As a skilled negotiator, I can clearly and effectively present your case to your mortgage company or bank so you can make use of these options:
It’s often in a lender’s best interest to work with homeowners rather than spending the time and money it costs them to initiate foreclosure proceedings. I have helped clients throughout Florida to make use of these options and keep their homes and will press for a favorable outcome in your case.
When selling your home is in your best interests, I can negotiate with your lender to provide these options:
While the decision to sell your home can be a difficult one, I will make sure you understand the benefits and risks so you can proceed fully informed before engaging in any transaction. In all cases, my goal is to help you reach an outcome for you and your family that keeps you from losing your home to foreclosure.
At KDM Law Firm PLLC, I assist clients throughout Florida who are at risk of losing their homes to foreclosure. I will explain your options and guide you in making the best decision for your circumstances. Call me at 941-465-9253 or contact me online to schedule your free consultation at my Tampa office.