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Plantation Florida Foreclosure Lawyers
The foreclosure defense lawyers at Light & Gonzalez PLLC are available for consultation in Plantation Florida. Our experienced attorneys defend foreclosures throughout all of Florida and will work hard to help get you out of any type of financial distress you find yourself in. Homeowners have a lot of options when they are facing a foreclosure. Our firm focuses primarily on litigating foreclosure cases, but we also have experience helping our clients work through other alternatives such as short sales and loss mitigation.
History of Foreclosures in Plantation Florida
Home values in Plantation plummeted in 2006/2007 as the economy started to turn south. Many people managed to weather the storm, but many more found their mortgage payments to be too high as interest rates skyrocketed.
Plantation has a wide range of home values and property types. There are numerous apartment complexes and condominium, but there are also gated communities and affluent neighborhoods such as Plantation Acres. As a result property values vary widely and even in 2017 there are residential properties available for sale for as little as 100k but also many millions of dollar. The most recent low point for average residential real estate values occurred in September of 2011, but as of April 1, 2017 the Zillow Home Value Index for Plantation is $292,000 compared to $282,000 for Fort Lauderdale and $196,000 for the United States as a whole. The last time Zillow Home Value Index for Plantation was at $292,000 was around November 2007. Many foreclosure lawyers that have successfully fought their clients’ foreclosures and their clients have been about to come out from under their previously underwater mortgages, but many more that have been in default for some time have had interest and fees accrue that continue to weigh heavily on the ultimate cost of owning their home. If you find yourself facing a foreclosure, contact our firm to schedule a free consultation to go over your options.
Contact us today to speak with the Plantation Florida Foreclosure Lawyers at Light & Gonzalez, PLLC to review your case and discuss your options with you going forward.
Foreclosures in Plantation Today
As of April 1, 2017 there are currently 9 properties listed for sale in Plantation that are owned by a bank or a lender who took ownership through foreclosure proceedings. There are 74 properties owned by the bank or a lender that may be listed soon. Finally there are 113 properties that currently have foreclosure proceeding initiated against them, but the proceeding has not been completed yet.
If you are currently in foreclosure in Plantation, no matter what stage of the process you are in, the lawyers at Light & Gonzalez, PLLC may be able to help. There are foreclosure defenses available to many homeowners that may result in a complete dismissal of the case. Yes, that means that it is possible to beat the bank. Some of the ways a foreclosure may be dismissed include: lack of standing (the bank that foreclosed doesn’t actually have the right to enforce the debt obligation), failure to a comply with conditions precedent (the bank did not send you they were required to send you prior to initiating a foreclosure proceeding), statute of limitations (the time limit for collecting a particular payment has passed), among other defenses.
Contact our Plantation Florida Lawyers Today
Every foreclosure is different and there is no attorney can guarantee and outcome for your foreclosure. Our firm will work hard to try to get you to your goals whether it’s a loan modification, short sale, bankruptcy or beating the bank through litigation. Our attorneys have experience navigating the entire process, and will have a frank discussion with you about all your options going forward.
In-Depth Information About Foreclosure Defense
Common Foreclosure Defenses in Florida
There are many defenses your foreclosure lawyer may be able to use to defend against a foreclosure action that has been filed against you. The facts of your case will determine which defenses are available, but some of the defenses our lawyers often raise in residential foreclosure defense cases include:
- Standing: where the party that is bringing the action against you is not actually the correct party to bring the foreclosure action.
- Conditions precedent: bank fails to take the preliminary steps, they are required to take before foreclosing
- Res Judicata: If the bank has foreclosed on you before, they may be barred from bringing a new action against you for the same mortgage payments.
- Novation: As a general principle, a party cannot sue to enforce a contract if the parties have agreed to another contract to replace the original.
- Accord and Satisfaction: This defense may be available if you’ve refinanced your original promissory note
- Statute of Limitations: Each type of lawsuit has a statute of limitations, which requires that a party bring a lawsuit within a certain amount of time or the claim will be unenforceable.
Read More about this defenses by visiting our main Foreclosure Defense Page.
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