When you are behind on your mortgage payments, you may feel like you have no place to turn. An Orlando foreclosure lawyer with Christopher M. Sprysenski, P.A. can provide you with options as to how you might be able to save your home. You might owe more on your mortgage than your home is worth. Financial difficulties may have you searching for a way to lower your mortgage payment. Whatever struggle you might be facing, an Orlando foreclosure lawyer with our firm is here to help.
If you have been served with a mortgage foreclosure lawsuit, the most important thing to remember is to not ignore the lawsuit. You must timely respond to the lawsuit so that you do not waive defenses that an Orlando foreclosure lawyer can raise on your behalf. It is important to remember that you have twenty days to respond to the lawsuit. Make sure that you seek out the counsel of an Orlando foreclosure lawyer prior to this twenty day deadline.
There are different ways that an Orlando foreclosure lawyer can respond to your lawsuit. The lender or the lender’s representative filing the lawsuit may not have alleged all of the elements required to bring a foreclosure lawsuit. The lender may not have attached all of the necessary documents to the lawsuit. Procedural defenses such as these are important to identify early on in your case.
Outside of procedural defenses, it is also important to identify substantive defenses from the get go. Your lender may not have completed prerequisites required under your mortgage before filing their lawsuit. Your lender may also have not sent you required notifications under state and federal law prior to filing its lawsuit. Payments you have made may also not be accounted for by the lender. Through a careful review of your lawsuit, an Orlando foreclosure lawyer can help find defenses that you can raise to your lawsuit.
Another powerful part of litigation is the ability to mediate your case. In mediation, your lender can provide you with different options available to end your case. Most times, the lender will explore with you different loan modification options. These include options sponsored by the federal government and private options through the lender itself. There might be options explored that involve returning your property back to the bank in an exchange for the forgiveness of debt.
The important thing to understand about a mediation is that the process is confidential. This allows you to fully explore your options with you lender and not worry that facts revealed in mediation could hurt your chances of fully defending your foreclosure lawsuit.
Many courts have mediation programs that are deadline driven. It is important to consult with an Orlando foreclosure lawyer early on so that you don;t miss your opportunity to participate in these programs.
Whatever your goals, an Orlando foreclosure lawyer with Christopher M. Sprysenski, P.A. will provide you with practical advice as to paths to ac-complish them. Goals are different for everyone, and sometimes goals change. Our attorneys can equip you with practical and creative ap-proaches to accomplishing your goals.
Call us today at 407-630-8485. We offer payment plans and accept all major credit cards.