• The Bankruptcy Process
• The Bankruptcy Discharge
• Chapter 7 Bankruptcy
• Chapter 13 Bankruptcy
• Chapter 11 Bankruptcy
• Service members’ Civil Relief Act
• Bankruptcy Glossary

• Florida Foreclosure Defense
• The Foreclosure Process in Florida

• The Fair Debt Collection Practices Act
• FDCPA FAQS
• The FDCPA Statute

Florida Foreclosure Attorneys

The Foreclosure Process in Florida

In Florida, the foreclosure process takes approximately 2 to 3 months or longer if you choose to defend against the foreclosure. The process may typically goes as follows:

• The borrower stops paying ( i.e. goes into default) on his or her loan.
• The lender gives the borrower a notice of default.
• If the mortgage is still unpaid or not brought current, the lender will file a lawsuit in court.
• The borrower is informed of the lawsuit (i.e. “served”).
• The borrower has 20 days to answer the lawsuit.
• If the borrower files an answer with the court within 20 days, a hearing will be held in front of a judge.
• The judge will make a ruling either in favor of the lender or the borrower.
• If the ruling is in favor of the lender, a foreclosure sale date will be set.
• The property will then be sold by the lender, ending the foreclosure process and terminating the borrower’s right to the property.

Important: If you have been served with a foreclosure lawsuit, it is important to remember that you have only 20 days to file an answer to foreclosure in court. If you do not act within this time, you may lose your right to contest the foreclosure and keep your home.