Is Your Property in Trouble?

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Mark F

"I was with KEL for over five years and the experience was second to none. They did everything they said they would. I highly recommend that you use KEL for your foreclosure defense needs"

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Foreclosure Defense

When many people think about foreclosure they are overwhelmed. For some this feeling is paralyzing and they have no idea about what can be done to save their home. Often times these people are so frightened, they never seek the help they need. Englett and Associates foreclosure attorneys understand the emotions that people facing foreclosure feel. Whether you are one month behind on your mortgage or already in litigation, we have professionals available to take your call and examine your situation. Unfortunately, tough economic times have forced more and more families into foreclosure, but this does not mean you have to part with your home. There are a variety of options that banks offer to people having trouble paying their mortgage, and our staff has worked with thousands of families in finding a solution.


Foreclosure laws vary from state to state, but a state is either “judicial” or “non-judicial.” In judicial states, your lender must file a foreclosure action against you and process the foreclosure through the court system. Non-judicial states do not require the lender to pursue foreclosures through the courts and these foreclosures generally occur quicker than judicial state foreclosures. If you need to know if your state is judicial or non-judicial, call our professionals to get an answer to your question.

The Foreclosure Process

The Foreclosure process in judicial states begins when you miss a payment on your home. After your first missed payment, your lender will contact you by mail or phone to notify you of your missed payment. Within a few weeks of your first missed payment, fees will begin to apply to your mortgage. If you are unable to make any mortgage payments for three consecutive months, your lender will usually give you a 30 day period to make up your missed payments. If you cannot pay what you owe within the 30 days your lender will begin a foreclosure action against you.

Stop Foreclosure on Your Home

The first thing you should do if you miss a payment on your home is contact your lender and discuss your situation. Many people try to avoid their lenders, but this is the worst thing you can do. Believe it or not, your lender doesn’t want to foreclose on your home because foreclosure proceedings are expensive. If you communicate with your lender, they may be able to offer you options to resolve your payment problems. Your lender may also suggest alternatives, such as a loan modification, which can prevent foreclosure.

Our Foreclosure Attorneys Are Here For You

During this difficult time, communication and information are of the utmost importance. Make sure you are well-informed regarding foreclosure law and your options to avoid foreclosure by speaking with foreclosure attorneys at Englett and Associates. At Englett and Associates, a foreclosure lawyer from our team can help you understand your rights and work with your lender to help you avoid foreclosure. When you set up your free consultation with our team, we will discuss alternatives to foreclosure such as reinstatement, forbearance, and loan modification. After you are aware of your options, we can help you decide which course of action will meet your long-term financial goals.

Our Locations


150 North Orange Avenue

Suite 303B

Orlando, Florida 32801

(407) 455-7359

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100 South Ashley Street,

Suite 600

Tampa, Florida 33602

(813) 496-7375

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Fort Lauderdale

888 South Andrews Avenue

Suite 302

Fort Lauderdale, Florida 33316

(954) 334-7776

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Fort Myers

5237 Summerlin Commons Blvd

Suite 305

Fort Myers, Florida 33907

(239) 275-2279

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West Palm Beach

324 Datura Street

Suite 150

West Palm Beach, Florida 33401

(561) 847-7721

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St. Petersburg

970 Lake Carillon

Suite 356

St. Petersburg, Florida 33716

* By Appointment Only*

(727) 497-6076

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Lakeland 1102 S. Florida Ave

Suite 121

Lakeland, Florida 33803

* By Appointment Only*

(863) 327-1724

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6767 North Wickham Road

Suite 400

Melbourne, Florida 32940

* By Appointment Only*

(321) 460-1646

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120 South Woodland Boulevard

Suite 203

DeLand, Florida 32720

* By Appointment Only*

(386) 626-0011

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1415 Panther Lane

Suite 374

Naples, Florida 34109

* By Appointment Only*

(239) 201-2527

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3350 SW 148th Ave.

Suite 110

Miramar, Florida 33027

(305) 967-6361

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50 North Laura St

Suite 2566

Jacksonville, Florida 32202

(904) 224-1522

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