Mortgage Foreclosure Defense

Thousands of Florida homeowners have fallen behind on their mortgage payments because of the economy and unemployment.

When a homeowner is in default, Florida law allows the lender (mortgagee) to file a lawsuit against the homeowner to foreclose on the mortgage.

Florida law allows the homeowner to contest or defend the suit. If you are in default, you need an experienced attorney to defend against the foreclosure.

You may qualify for relief under President Obama’s Making Home Affordable program, Florida's Save Our Homes plan, or another plan that would allow you to lower your monthly payments, or there may be technical defects in the loan or the foreclosure suit.

Predatory lending: Some foreclosures can be defeated (or worked out) because of predatory lending such as lending without regard to the homeowner’s ability to pay, excessive lending fees, loan flipping (unjustified refinancing repeatedly to make fees) and other lending abuses.

If you were served with a foreclosure suit, you or your attorney must file a responsive pleading within 20 days. Early intervention is the key to success: Contact Bob Elton by email or phone.

Your homestead security counselor

I offer 38 years of experience in Central Florida, mostly in Daytona Beach and Volusia and Flagler Counties. I know the judges, the courts, the attorneys and the insurance companies here. During my first 15 years of practice, I defended insurance companies. I learned their tactics from the inside.

Put my experience and expertise to work for you by contacting me, Robert W. Elton, for a free consultation.