Foreclosure Trial Lawyer Clearwater, FL

foreclosure trial lawyer Clearwater, FLForeclosure Trial Lawyer Clearwater, FL


If you are facing the foreclosure of your home, you are likely feeling stressed and scared about your future. This is completely understandable, and you are not alone. In fact, in 2013, the number of foreclosed homes in Florida was the highest in the country. At the Law Office of Michael A. Ziegler, P.L., our foreclosure trial lawyer in Clearwater, FL has helped protect the rights of many homeowners. Florida’s laws as they pertain to real estate and mortgage loans in particular, can be complex and frustrating for the layperson. When our foreclosure trial lawyer represents you, you can feel confident that the mortgage company’s attorney will not be able to take advantage of your unfamiliarity with the legal system.

The Nature of Mortgage Loans in Clearwater, FL

In most scenarios, when a person purchases residential property in Clearwater, FL, they sign a promissory note that promises they will repay the mortgage loan. It also specifies the terms for repaying that loan.

When You Miss a Mortgage Payment

Under most circumstances, when a mortgagee misses a loan payment deadline, they will be given a limited period of time to make that payment before a late fee is assessed. The late fee is usually a percentage of the overdue payment of the principle and interest. The specific percentage and the exact terms of late fees will be noted on your monthly mortgage statement.

When You Miss More Than One Mortgage Payments

When a homeowner misses more than one mortgage payment, the mortgage servicer will usually attempt to collect the back payments by calling the mortgagee and mailing them notices. If this describes your current situation, by responding to the company you may be able to work out a payment agreement to get you back on track. This can help you avoid the foreclosure of your home. The mortgage service cannot file your case in Florida foreclosure court until you are 120 days delinquent on your payments. If you are close to this time limit, or if it has already passed, contact our foreclosure trial lawyer in Clearwater, FL to learn more about your legal options and how we might be able to help you.

The Clearwater, FL Foreclosure Process

In Clearwater, FL, the mortgage lender (plaintiff) must file a lawsuit in state court against the homeowner (defendant). After they file a complaint with the court, they will serve it to you, the borrower. The complaint will be accompanied by a summons that allows the borrower 20 days to file a response, which is usually done with the help of a foreclosure trial lawyer in Clearwater, FL. If you do not hire a foreclosure trial lawyer to handle your response on your behalf, and you do not file the response on your own, the lender can petition the court for a default judgement. This means that you will lose your case automatically.

If you have are significantly in arrears with your mortgage payments, even if you have not yet been served with a court complaint and summons, contact  the Law Office of Michael A. Ziegler, P.L., immediately. Request a consultation with our foreclosure trial lawyer in Clearwater, FL that homeowners call when they are faced with the possibility of losing their home.

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Clearwater: (727) 538-4188 | Tampa: (813) 225-3111