10/09/2026
Here is a quick summary of your options to stop foreclosure in Florida:
File an Answer (Within 20 Days): Florida is a judicial foreclosure state. You have 20 calendar days from being served to file a written answer with the court to prevent an automatic default judgment.
File Chapter 13 Bankruptcy: Triggers an immediate Automatic Stay, halting the foreclosure process and sale date while setting up a 3-to-5-year repayment plan to catch up on arrears.
Submit Loss Mitigation: Apply for a loan modification, forbearance, or reinstatement. Under federal law, submitting a complete application prevents "dual tracking" (the bank moving forward with foreclosure while reviewing your file).
Pursue Court Mediation: Negotiate workout terms directly with the lender under court supervision.
Exit Without Foreclosure: If keeping the home is unfeasible, opt for a short sale, deed in lieu of foreclosure, or a cash-for-keys agreement to protect your credit from a court judgment.
Get Free Help: Contact a HUD-approved counselor (1-888-995-HOPE) or local Florida legal aid. Avoid upfront fee scams.
Call me anytime. I can help you.
Magda Robles, SFR Broker. 786 290 4793
[email protected]
