Foreclosure Defense Lawyers in Fort Lauderdale, FL

Facing foreclosure is scary, but it is important to know that you have options for avoiding it. At Salas Law Firm, we are here for you in your time of need. Our team genuinely cares about clients and takes pride in helping them overcome challenges, no matter how complex. We have made it possible for numerous people to sidestep foreclosure via several relief options. Our experienced attorneys have also successfully challenged foreclosures due to servicer errors, breaches of contract, and more. 

To consult one of our Fort Lauderdale foreclosure defense attorneys about your situation, call (954) 420-6406 or reach out online. We extend our services to those throughout Broward County, including Plantation, as well as Naples and the nearby areas.

Common Options for Avoiding Foreclosure

According to federal law, lenders generally cannot start a foreclosure until you are 120 days late on payments. If this period is approaching or you have already been notified of a foreclosure sale, several relief options could be available. 

These include the following:

• Loan modification: This involves negotiating with your lender to change the terms of your mortgage in order to make payments more manageable.
• Refinancing:  If you have equity in your home or another property, refinancing could allow you to lower your monthly mortgage payments. 
• Forbearance agreement: This agreement allows you to temporarily stop making payments or reduce payment amounts while you navigate financial difficulties and work to become current on your mortgage.  
• Short sale: Should you no longer be able to make mortgage payments, this could be an option. It involves selling your property for less than what is owed on the mortgage. 
• Deed in lieu of foreclosure: With this option, you voluntarily transfer ownership of the property back to the lender in exchange for being released from your mortgage obligation.
• Bankruptcy:  Filing for bankruptcy can halt foreclosure and give you time to work out a plan with your lender. Additionally, it can discharge you of liability for the mortgage debt. 

The right option for your situation will depend on multiple factors, such as your financial goals, your lender, and the circumstances that have caused you to need foreclosure relief. Our Fort Lauderdale foreclosure defense attorneys can advise you on the best course of action and guide you in pursuing it.