Orlando Foreclosure Defense Attorneys Ready to Protect Your Home

Chapter 13 filing in Orlando stops the sale immediately with the automatic stay. You then propose a plan to catch up the arrears over 3–5 years while making your regular payment. Chapter 7 also stops things for a short time but doesn’t provide a cure plan. If your goal is to keep the house, Chapter 13 is usually the tool that works.

Yes. Missing payments doesn’t erase your rights. Common defenses include:

• The lender’s lack of standing or bad loan accounting
• Improper notices, fees, or timing under Florida law
• Ongoing loss-mitigation or errors during review
  Defending the case can buy time for a modification, repayment plan, or Chapter 13 if needed.

You generally have 20 days from being served to respond. If you don’t, the lender can get a default judgment, move to a sale date, and push toward eviction after the sale. Default also makes it harder to raise defenses later. Don’t wait—file your response or get counsel to do it.

Often, your attorney can appear for routine hearings. You might need to attend mediation or trial if the case goes that far, but many Orlando matters resolve through modification, settlement, or Chapter 13 before a trial ever happens.