Reference Guide: Frequently Asked Questions

Foreclosure FAQ

Answered by an Orlando Foreclosure Defense Attorney

Is your home at risk of being lost to foreclosure? At Haynes & de Paz, P.A., we proudly represent borrowers whose homes are threatened by foreclosure proceedings. We understand the urgency of your matter; therefore, we offer free consultations and make ourselves available 24 hours a day, 7 days a week.

Why we are the law firm to trust:

We have provided a list of frequently asked questions about foreclosure below, which we encourage you to continue reading.

For additional information, don't hesitate to contact our office to schedule a free consultation with an Orlando foreclosure defense lawyer!

I can't afford my mortgage, what should I do?

You should contact our office as soon as you realize that you cannot afford to pay your mortgage or if you have missed a payment. Ignoring the problem is a mistake; you may have options that are better alternatives over losing your home to foreclosure.

What types of options may I have?

If you want to work with your lender to keep your home, your options may include any of the following: reinstatement, forbearance, a repayment plan, or a loan modification.

What if I can't keep my home?

If you and your lender agree that you cannot keep your home, you still have options that may allow you to avoid foreclosure, including: a deed-in-lieu of foreclosure, a pre-foreclosure sale, an assumption, or refinancing.

Does Florida order deficiency judgments?

In Florida, deficiency judgments are allowed when the homeowner is personally served in the lawsuit; however, the courts have flexibility regarding the amount of deficiency, regardless of the type of mortgage.

Can I get my home back?

Once the foreclosure is over, you cannot get your home back. But, you have until the court clerk files the certificate of sale or until the time given on the foreclosure judgment to pay off the full amount of the unpaid loan to keep your house. This process is called "redeeming."

Are Florida foreclosures judicial?

Yes, Florida foreclosures are judicial, this means that the lender must file a lawsuit in court to foreclose on your home.

How long does the foreclosure process take?

Due to the backlog of foreclosures in Florida, the entire process can take a year or longer to complete, but you still want to explore your alternatives to foreclosure as early as possible.

If you are facing foreclosure, we urge you to contact Haynes & de Paz, P.A. right away to discuss all of your options in a free consultation. Since your home is likely the largest investment of your life, you will want to be sure that whatever decision you make, is an informed and educated one.

"The law firm of Haynes and De Paz provided me with the best possible outcome in my case. It is without hesitation that I would retain them going forward if I needed great legal representation. Bravo. Well done." - Client Testimonials ​​​​​​

The Client Experience

  • “Haynes and De Paz is an extremely talented and results driven law firm!”

    B.G. &T.G.
  • “I had a serious situation that needed to be taken care of within 5 days.”

    S.R.
  • “I was very happy with the service provided!”

    L.P.
  • “I will highly recommend your firm when someone has the need in the future.”

    Marilyn
  • “We would trust Haynes and De Paz to represent us again!”

    Paul & Matt
  • “Mr. Haynes fought the Bank and got the Judge to vacate our sale!”

    R.W.
  • “If you are in need of foreclosure defense, look no further.”

    D.L.W.
  • “Their timely responses and caring attitude made going through a difficult time that much easier!”

    R.W.
  • “I recently lost my property to foreclosure and had some questions, I was contacted by several lawyers and honestly all they wanted was to charge me for simple information.”

    M.D.
  • “Ben Haynes and staff are true professionals.”

    M.W.
  • “Thank you to Ben and his team and Haynes & De Paz and I would recommend anyone looking into strategic defense against foreclosure to contact them immediately!”

    M.T.
  • “Mr Haynes is courteous, informative, professional, and really knows his area of law.”

    R.Q.
  • “Everyone at the firm is so friendly and courteous!”

    B.K.
  • “My life and the lives of my children have forever been changed.”

    K.P.
  • “I have nothing but GREAT things to say about Ben Haynes and his law firm Haynes and De Paz!”

    J.C.

Contact Us

Schedule a free initial assessment at your earliest convenience.
  • Please enter your name.
  • This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.