Florida Foreclosure Defense Attorney

Dear Paul-

Do you know any “angel” lawyers like the angel lawyer in Jacksonville, FL, who could help me and my husband with avoiding foreclosure in SW florida (Cape Coral).  I am trying to get a loan modification with Countrywide and everything seems up in the air.  I am so tired.  Me and my husband have work right now and a loan modification would really help us get back on track. 

From everything I read in the news, it seems very few are getting the help they need and neither are we.  Countrywide is not providing any information to us at this point and we started this process in mid December after missing three payments.  Now we are 6 months behind and they say it could be until March before they make a decision!  This is really scary. They say it is taking so long because they are short handed but they indicate that would not stop foreclosure even though our loan is in active processing of a modification review. I asked if they needed more paperwork or anything else.  Nothing… 

Please recommend an angel for us in our neck of the woods.  We have already tried free loan counseling with the recommended counselors of Hope organization on FHA’s website.  The counselors recommended that it would be best to do what we are doing for now with regard to modifying  and to contact them if it does not go through.  There is no game plan…..just a wait and see. I feel like all our eggs are in one basket.

God Bless You and Thank you!

Sincerely,

Teresa

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Hi Teresa,

Yes, the foreclosure department is separate from loss mitigation.  The loans are typically put into foreclosure within sixty-days of default.  So, around the fifth or sixth month it goes to lis pendens in Florida and you are correct that having an attorney help you at that stage (by answering the summons/complaint) will greatly increase your chances of receiving a loan modification.

There are some great consumer lawyers with the National Association of Consumer Advocates that can assist you.  According to NACA.net: “NACA is a non-profit association of attorneys and consumer advocates committed to representing customers’ interests. Our members are private and public sector attorneys, legal services attorneys, law professors and law students whose primary focus is the protection and representation of consumers.”

Read: Breath Inside The House – The Qualified Written Request & Florida Fight For A Loan Mod!

Thanks for the questions and hope this helps.

Paul

This author is not an attorney and this information should not be considered legal advice.  Please consult an attorney for legal advice.