It’s well known that Florida foreclosure attorneys vary in experience and results. Some do loan mods, some don’t. Some do short sales, some don’t. Some file bankruptcies, some don’t. Some do appeals, some don’t.
We’ve always taken what I call a holistic approach. While we can try for a dismissal and we’ve had many dismissals over the years, we are really looking for a complete and final resolution for the client. A dismissal means the bank/lender will just keep coming back and file yet another foreclosure. Some clients want that – they just need time in the house without a mortgage payment while they get back on their feet. Some have saved some funds to apply to a down payment for another home that is not underwater. Some try for a free house, which very rarely happens.
But many of our clients want to move on, they need some time to come to that decision, which occurs during the foreclosure defense case, but ultimately, they may seek a deficiency waiver, cash for keys and an extended move out date. We negotiate that.