Foreclosure Defense Attorneys in Winter Park

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.

Contact Us for Florida Foreclosure Assistance Today

Discover the difference a Florida foreclosure lawyer at Richard A. Heller, P.A. can make. Our seasoned attorneys understand the complexities of foreclosure cases and will fight to protect your rights, home, and financial future. With a wealth of experience, we provide personalized strategies and dedicated advocacy to navigate the legal landscape. Let us help you find the best possible outcome and regain control. Don't face foreclosure alone—reach out to Richard A. Heller, P.A. today for trusted legal assistance. Your home and peace of mind are worth it.

If you want to explore options that may be available to help you avoid or defend against foreclosure, reach out to Richard A. Heller, P.A. today. Our foreclosure defense attorneys in Winter Park are ready to provide you with the support you need.