Foreclosure Defense

South Florida Mortgage foreclosures have reached unrealized levels. In fact, Florida is one of the top five states in number of foreclosure filings. If you are facing a mortgage foreclosure you are not alone and you should not participate in the process alone.

Most banks in Florida are represented by a handful of foreclosure law firms who specialize in this area of the law. There goal is to get you out of your property as quickly as possible through an automated and expedited process. When facing a foreclosure, you may believe that you have no options. You simply fail to respond to the foreclosure action. Then, the bank obtains a Final Judgment and ultimately your house is set to be sold at a foreclosure sale. In most cases, failing to respond to the foreclosure action is the worst decision you can make. Fortunately, there are several options available to protect the rights of homeowners facing mortgage foreclosure. Remember, if you have been served with a foreclosure complaint, you will probably want to hire an attorney as soon as possible. In the State of Florida, you only have twenty (20) days to respond to this notice. It is vital that you meet with a knowledgeable foreclosure defense lawyer to discuss the legal options available to you.

The Law Office of Ray Garcia, P.A. is headed by attorney Ray Garcia, a Board Certified Real Estate lawyer. Mr. Garcia is an expert in real estate law. He has been involved in real estate litigation for over eleven years and has been helping homeowners defend their homes since he began practicing law.

Be watchful of so called foreclosure defense lawyers who claim to specialize in this complicated area of the law. Because the foreclosure filings have dramatically increased over the last year many lawyers are jumping on the band wagon and claiming to be what they are not. We strongly recommend that you hire an expert, someone who is board certified in real estate law. At the Law Office of Ray Garcia, P.A. we will provide you with quality foreclosure defense, loan modifications and even pre-emptive action based on a lender's predatory lending practices in order to assist you in preventing the foreclosure of your home. We will assert your rights against mortgagees and lenders and seek to prevent the foreclosure of your mortgage by providing a quality legal defense and negotiations with your lender.

Remember, you have the right to defend your home and we have different programs available to suit your needs. Contact us for a free consultation and discuss all your options. The sooner you seek legal advice the better positioned you are to defend your foreclosure