How will I know if my home is being foreclosed?
It’s just like what you’ve seen on television or the movies. A process server is required to serve you personally. In Florida, you have only 20 days to hire an attorney and respond to the lawsuit once you’ve been served.
What should I do if my home is being foreclosed?
Defend yourself! Most homeowners lose their home because they walk away. Call Merritt Law Offices as soon as possible - affordable mortgage foreclosure defense is what we do - in some cases even after you have been walked away and a default has been entered.
U.S. and Florida laws protect homeowners from overreaching lenders, brokers, collection agencies and attorneys. In many cases people lose their homes even though they have defenses to foreclosure.
In some cases you may have equity in your home and you are entitled to a refund of the money that the bank or lender receives from selling your home.
What is a Mortgage Foreclosure?
It’s the legal process in which a lender takes your home and sells it to pay off your debt to them.
When you buy a home the two most important documents that you sign are:
1) the Promissory Note (commonly referred to as “the Note”); and
2) the Mortgage.
The Note is a contract to repay the loan. It describes how much you owe, what your monthly payments will be and how much you will be charged for the home loan.
The Mortgage is an agreement that the lender can take your house and sell it if you breach the terms of the Note and/or the Mortgage.
If I haven’t been paying my mortgage payments what can Merritt Law Offices, P.A. do to help me?
U.S. and Florida laws protect homeowners from overreaching lenders, brokers, collection agencies and attorneys. In many cases people lose their homes even though they have defenses to foreclosure.
Home Foreclosure Defense .com can help you determine what your defenses are and whether you can keep your home by negotiating with your bank
Lenders are not always willing to compromise. The best chance you may have to strike a compromise is to have a lawyer representing you.
There are numerous participants in providing and servicing a mortgage. These people and their companies are held to very high legal standards. If these people took more than they earned or failed to disclose important information regarding your loan they may be in violation of the law and may not be entitled to foreclose or you may even have claims against them.
We have dedicated ourselves to understanding complex US and state laws to stop your foreclosure to give you the opportunity to renegotiate your loan or give you time to make plans to turn the home over.
Why should I use Merritt Law Offices for my foreclosure defense?Another company said that they could “rescue” me by negotiating with my lender.
As a foreclosure defendant you are a popular target for fraud. If you’re like most people you became aware that you were being sued when you received letters and people started showing up at your door to tell you they could help. You’re already stressed, you don’t understand the legal system, other bill collectors are calling at all hours. You may be a target of this type of fraud - and they’ll steal your money.
Keith Merritt is an honors graduate of the University Of Florida College Of Law and from the University Of Florida College Of Business with a Masters in Business Administration, he is a graduate of Florida State University and is a United States Navy veteran. He has been working as an attorney for almost ten years, and has lived in Lakeland, Florida for most of his life. He is also a member of the Florida Bar Association and the Lakeland Florida Bar Association.