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JacksonvilleForeclosureAttorney
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The Law Offices of Justin McMurray, P.A:
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Are you currently facing foreclosure on your home? Consulting with a Jacksonville foreclosure attorney with experience in foreclosure defense and bankruptcy law can help you understand your options. A loan modification, reinstatement plan or forbearance agreement are all solutions available to homeowners who want to stay in their home, but are currently facing foreclosure. Jacksonville homeowners who no longer can afford their home and wish to give up ownership can do a short sale or a deed in lieu of foreclosure as alternatives to foreclosure. Filing for chapter 7 bankruptcy protection or Chapter 13 bankruptcy protection are also options that may be behind on their payments. At the Law Office of Justin McMurray- Jacksonville Foreclosure Defense Attorneys and Bankruptcy Lawyers we serve Jacksonville, and surrounding cities including all of North Florida with our office in Jacksonville. With additional offices in Ocala/Gainesville, Clearwater/Tampa and Miami* we can assist you throughout Florida. We always offer a Free Initial Consultation and are happy to explain what options may be available for you.
Your Lender has attorneys and so should you. In Jacksonville, Florida, a Foreclosure action by the bank results in a lawsuit filed against the homeowner. Eventually this lawsuit will be heard before a judge and judgement of foreclosure could be entered against you.. There are specific deadlines that must be met in order to put forth a proper foreclosure defense. Consulting with a Jacksonville Foreclosure Defense attorney is an important first step in trying to work out an alternative to foreclosure. At the Law Offices of Justin McMurray, P.A we always offer FREE initial consultations to discuss what options may be available to you. Call us today at (904) 248-4482 for your free consultation.
Behind on payments? Are you facing foreclosure or wage garnishment? Are you tired of the harassing phone calls? Drowning in credit care debt or medical bills? A consultation with a Jacksonville bankruptcy lawyer may help you understand your options to eliminate your debt. Depending on your income, debts and other factors you may qualify for chapter 7 bankruptcy protection or Chapter 13 bankruptcy protection in Federal Bankruptcy Court. The first step in determining if bankruptcy is an option for you is meeting with a Jacksonville Bankruptcy Attorney. At the Law Offices of Justin McMurray, P.A we always offer FREE initial consultations to discuss what options may be available to you. Call us today at (904) 248-4482 for your free consultation.
Foreclosure in Florida is the judicial process by which a lender obtains satisfaction of the debt owed by the homeowner by filing a complaint in circuit court, asking the court for a judgment of foreclosure and to schedule a judicial sale at public auction to the highest bidder. If there is no other bidder, the property is acquired by the lender. If the defendant-homeowner does not respond to the initial summons and complaint within 20 days of being personally served with a copy, the clerk of court may find the defendant-homeowner in default, and the lender can ask the court to make a final ruling without further action. If a response is filed within the 20 days, the defendant-homeowner may assert any available defenses and a hearing will be held to determine whether the lender is entitled to a judgment of foreclosure and judicial sale of the property.
If the court rules against the defendant-homeowner at the hearing, the ruling will include the total amount owed to the lender and the foreclosure sale date. The foreclosure sale date is typically 20-35 days after the court ruling, but this may vary depending on the individual court or whether your attorney was able to negotiate a later sale date with the lender’s attorney. Within 10 days of the foreclosure sale, the clerk transfers ownership to the winning bidder. In most instances, a borrower has no right of redemption after the certificate of sale is issued in a foreclosure auction.
Foreclosure Defense Attorney & Bankruptcy Lawyer