Seminole County Foreclosure Attorney & Short Sale Realtor Tip: What to Do When Your Bank Sues for Foreclosure

Many Seminole County foreclosure lawsuits are filed everyday and a common question is what should a Seminole County homeowner do when they are sued for foreclosure? First, and most importantly, make sure that you file a written response to the Complaint with the Seminole County clerk of court. Under the Florida Rules of Civil Procedure, you have 20 days from the date you are served with the foreclosure complaint to file a written response with the Seminole County clerk of court. Note that most banks will actually give you 30 days to file a written response, because state and federal debt collection laws give you 30 days to contest the debt before collection action can be taken. It’s best to file within 20 days to play it safe.

If you do not file a written response to the bank’s Complaint, the bank will get a default judgment against you, which will make it easier and faster for the bank to foreclose on your home.

Once you file a written response, you have some breathing room to consult with an appropriate professional to discuss the best alternative for you and your family.

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