Foreclosure defense. Foreclosure attorney Foreclosure lawyer Real Estate Homes Foreclosed Homes Bankruptcy Sunrise Miami West Palm Beach Fort Lauderdale

1. The Law Offices Of Jerome L. Tepps PA

2. 
If you home is in foreclosure, DO NOT DELAY! Talk with
an attorney as soon as possible. You may be at a
tremendous disadvantage until you have your own
attorney that knows the process and can protect your
interests.


If your home is not yet in foreclosure, talk with your lender
directly about a lower payment or loan
modification. Remember, negotiations for a loan
modification or short sale will not stop or suspend any
foreclosure lawsuit. If you are served with a foreclosure
lawsuit, talk with an attorney as soon as possible

3. 
Loan Modifications are changes to your loan that
might reduce your monthly payment and enable you
keep your home. Foreclosure and negotiations for a
loan modification are two separate processes. Do not
mistake one for the other. If your home is in
foreclosure, negotiations for a loan modification will
NOT by itself stop or slow the foreclosure
process. Without a written agreement, you or your
attorney must continue to respond to the foreclosure
suit in order to protect your interests during any
negotiations. There are no guarantees, but many
lenders would rather keep you in your home and work
out new payments with you.

4. 
The term "short sale" is familiar to most people who
watch the news regularly. Some homeowners utilize
the short sale as a part of their financial planning
strategy.


Many times the seller works with his/her attorney to
prepare a package for the lender that includes a letter
describing the seller's financial
hardship, documentation of their income and
monthly bill payments. The lender may approve the
sale if the seller makes a convincing case that they
cannot afford to pay the mortgage now or in the
future.

5. 
Bankruptcy is a tool that may be used as a last resort and
con in some cases allow you to keep your home or at least
extend the time before you have to leave. A bankruptcy
proceeding may allow you to discharge most if not all of
all your debts and obtain a fresh start.


Most lender documents contain provisions that entitle the
lender to recover interest, attorney's fees and costs if the
lender is the prevailing party, this is know as a "Deficiency
Judgment". If your lender elects to pursue a Deficiency
Judgment, you may have to consider bankruptcy or other
options.

6. 
Although I've practiced in many areas of the
law during the past 30 years, my primary
focus is real estate litigation including
pursuing foreclosures on behalf of lenders
and defending homeowners against
foreclosures. I am dealing with foreclosure
litigation on a daily basis and have been
dealing with real estate foreclosures and
modification on a regular basis during the
past 15 years.

7. 

Main Office
4300 N. University Drive, Suite C102, Sunrise, FL 33351


Locations for Consultations

6750 N. Andrews Avenue, Suite 200, Fort Lauderdale, FL 33309


110 E. Broward Blvd., Suite 1700, Fort Lauderdale, FL 33301
4000 Hollywood Blvd., Suite 555-S, Hollywood, FL 33021

2332 Galiano Street, 2nd Floor, Coral Gables, FL 33134

5201 Blue Lagoon Drive, 8th Floor, Miami, FL 33126

9100 South Dadeland Blvd., Suite 1500, Miami, FL 33156

2101 Vista Parkway, Suite 296, West Palm Beach, FL 33411

2255 Glades Road, Suite 324A, Boca Raton, FL 33431

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