Foreclosure Defense Attorneys in Winter Park

Are You at Risk of Losing Your Home?

Receiving notice that your lender intends to foreclose upon your mortgage can be an unnerving experience. If ownership of your home is at risk, however, you should immediately consult with an Winter Park foreclosure attorney who can help you try to stop foreclosure and save your home.

At Richard A. Heller, P.A., we help people like you defend against foreclosure in Florida. There are many options for moving forward that we can use to help you protect your home, even if you currently owe arrears on your mortgage. Let our foreclosure defense attorneys in Winter Park help you explore these options by scheduling a consultation with us today.

Get in touch with Richard A. Heller, P.A. by calling (407) 501-4052 or by submitting an online contact form to speak with a foreclosure defense attorney near you.

Common Defenses Against Foreclosure

If you’ve received communication from your mortgage lender that foreclosure is imminent, you still have time to seek legal counsel. Richard A. Heller, P.A. can help you take meaningful action as soon as possible to prevent or stop foreclosure from proceeding.

Common defenses against foreclosure include:

• Filing for Chapter 7 or Chapter 13 bankruptcy*
• Negotiating a home loan modification with your lender
• Negotiating a short sale agreement with your lender
• Demonstrating the lender made mistakes in the foreclosure process
• Demonstrating the lender violated the law

*Filing for bankruptcy immediately stops all collection actions, including foreclosure.

Whether you still have time before proceedings begin, or if they are already underway, our foreclosure defense attorneys in Winter Park can help you take action to stop foreclosure in its tracks. Learn more about what we can do for you by reaching out to us for a consultation!

How Does Bankruptcy Stop Foreclosure?

Whether you file for Chapter 7 or Chapter 13 bankruptcy, an injunction called an “automatic stay” goes into effect. This stops many different types of collection actions, among them is home foreclosure. While an automatic stay is granted in both Chapter 7 and Chapter 13 cases, most homeowners with mortgage arrears – and want to keep their homes – tend to file for the latter.

This is because Chapter 13 bankruptcy reorganizes your debts – mortgage arrears and any other unpaid consumer debts – into a repayment plan that should run the course of three to five years. By contrast, a Chapter 7 bankruptcy requires you to liquidate assets to pay off your creditors – if you don’t qualify for certain exemptions, that can mean equity in your home and ownership altogether.