Find a short answer for the situation you’re facing, then explore the guide for the details. You don’t need to have everything figured out before asking for help.
Request a Free ConsultationFor many residential mortgages, federal rules generally prevent the first foreclosure notice or filing until you are more than 120 days delinquent, with exceptions. This is not a safe waiting period: ask about your options as soon as payments become difficult.
Understand missed paymentsThere is no single timeline: service, court scheduling, contested issues, and efforts to resolve the loan can affect how long a case lasts. Check the actual docket and orders rather than relying on an average.
See the stages of foreclosureKeep the entire packet, record when and how you received it, and arrange a prompt legal review. The summons requires attention even if you are already speaking with your mortgage servicer.
Understand your court papersSeek legal advice promptly: a missed deadline, an entered default, and a final judgment are different stages. Your remaining options depend on the docket, service details, and court orders—not simply the date you think you missed.
Review the missed-deadline guidanceA lis pendens is a recorded notice that a lawsuit affects the property; it does not itself transfer ownership or mean your home has been sold. Review the lawsuit behind the notice and any court deadlines.
Understand a lis pendensA review may examine the plaintiff’s right to enforce the loan, required notices, service, payment records, and servicer conduct. Which issues matter depends on your documents and case history; no defense guarantees an outcome.
Explore the issues a defense review examinesNo. The motion asks the court to rule without a trial; it is not itself a judgment, but it requires prompt attention to the evidence, response requirements, and hearing arrangements.
Understand summary judgmentSometimes, depending on the case and the available resolution or legal grounds. A pending request, negotiation, or planned closing does not by itself cancel the sale; confirm any change through the court process.
Review sale-stage options and timingNot automatically: a qualifying complete application may restrict certain foreclosure actions, but protections depend on timing and other requirements. Continue addressing court deadlines while negotiating, and do not assume an application places the whole case on hold.
Compare the application and court timelinesOften, yes, if the closing can be completed in time and the payoff, liens, and title issues are resolved. Listing the property or signing a contract does not, on its own, stop a scheduled foreclosure sale.
Compare selling options during foreclosureIt may be an option when the sale proceeds will not cover what is owed, but the necessary lender and lienholder approvals must be obtained. Do not assume approval releases you from any remaining balance; have the written terms reviewed.
Read about short sales and other sale options
Florida foreclosure defense attorney
Meet Anthony Rumore ↗Yes. Consultations are free for everyone, with no conditions. Any fees for legal representation are separate from the free consultation.
Request a free consultationThe consultation is free; legal representation is separate. Ask the firm about the proposed scope of work and any fees and costs before deciding whether to proceed.
Learn about foreclosure defense servicesBring your complete court packet, hearing or sale notices, mortgage statements, and correspondence with your servicer. Do not delay an urgent call to gather everything—start with what you have.
Use the consultation checklistYes. Anthony Rumore, P.A. helps homeowners facing mortgage foreclosure throughout Florida from its Fort Lauderdale office. Use the county listed on your court papers to find local court resources.
Find your Florida countyYou don’t have to sort through every option alone. Contact Anthony Rumore, P.A. to discuss your foreclosure concerns.
888-318-4550 ↗