Your Success Is Our Mission

Foreclosure Representation For Homeowners And Creditors

In foreclosure proceedings, the stakes are high. Homeowners stand to lose all the time, energy and money they have put into their home. Lenders stand to lose the significant financial interests they have in the property. For both sides, the right legal representation can make all the difference.

Brown & Associates Law & Title, P.A., is your foreclosure law firm. We represent lenders and homeowners in these cases. As we are well-versed in the nuances of foreclosure proceedings from both sides, we offer well-rounded insight based on a thorough understanding of what each side is looking for. You can rely on us to protect your interests as either a lender or homeowner.

Exploring Multiple Avenues For Foreclosure Resolution

We provide skilled guidance not only on foreclosure itself, but also other avenues for resolution, including:

  • Loan modifications and workouts
  • Short sales
  • Deeds in lieu of foreclosure

Our strengths lie in identifying favorable approaches that save you time, money and hassle whenever possible.

Strategic Representation For Lenders

With offices in St. Petersburg and Tampa, we work with mortgage companies, banks and other lenders throughout west-central Florida to pursue foreclosure proceedings in a strategic manner. Our lawyers can advise you on:

  • The legal steps necessary for foreclosure
  • The timeline for foreclosure
  • How to handle possible defenses and delays

We are committed to helping you achieve a successful outcome. As trusted real estate lawyers with decades of experience, we have the skillset it takes to navigate all kinds of foreclosure cases, from the relatively straightforward to the more complex.

What Homeowners Should Know About Foreclosure: Top Five Myths

Foreclosure is a scary process for homeowners. If you have received a foreclosure notice, it is very likely that you and your family have been under financial stress. Many people do not know what to do after receiving a foreclosure letter. We have helped many Florida residents who have undergone the same fate. The good news is that you have options. We want to address several misconceptions about foreclosure.

1. Once a foreclosure lawsuit is filed, there is little or nothing that can be done.

Absolutely not true. The case can be defended and even in certain circumstances, it can be dismissed. Additionally, settlement options can be explored, such as loan modifications, short sales, cash for keys, or cash buyouts.

2. When you are in foreclosure, you cannot sell your house.

This is not true. Owners have a few options. They can sell their house by a conventional sale, as long as they have equity in the property, or by short sale.

3. If someone is turned down for a loan modification, they cannot apply again.

If someone is turned down for a loan modification after completing the loan mod package, they can apply again if circumstances have changed, such as income increase or reduction of other debt obligations. Also, you can apply again if the original package was not complete with a full application and all request documents.

4. The bank cannot foreclose if it does not have possession of the original note.

An experienced foreclosure attorney can use the lack of possession of the original note as strong negotiating and defense tool. While it is trickier to foreclose without a note, banks obtain judgments routinely without a note against a borrower who represents themselves.

It is critical to get legal representation in order to research every avenue based on your circumstances. We fight on behalf of homeowners against foreclosure in Florida daily. Every case is unique, and we understand the struggles. We can suggest the right options for you. We’ve been able to help many get refinancing and stay in their homes.

We would be happy to provide a free consultation to help you determine your best strategy for keeping your home or, if necessary, leaving your home with dignity. We will work hard to protect your interests, including preserving your credit rating and salvaging as many assets as possible.

We Can Help You Work Through Your Options

At Brown & Associates Law & Title, P.A., we’ve helped many homeowners and lenders who are facing the frustration of foreclosure. Learn how we can help you.

Call 813-576-3790 or send us an email to make arrangements for a free initial consultation.