Foreclosure Defense Lawyers Serving Miami Gardens and Miami-Dade County

In some cases, we can stop a sale in 24 hours or less. Filing Chapter 13 bankruptcy before the auction creates an automatic stay that halts the sale immediately. Emergency motions in Miami-Dade County court may also delay the sale if there are lender errors or an active loan modification review. Once the auction is complete, your options are very limited.

No. While Chapter 13 is one of the strongest tools, other options include:

• Defending the foreclosure lawsuit in court
• Negotiating a loan modification or repayment plan
• Considering a short sale or deed in lieu if you don’t want to keep the property
  Bankruptcy is best when you’re short on time or need to manage large arrears.

Yes. Many Miami Gardens homeowners apply for modifications after the foreclosure has started. If your package is complete and under review, your attorney may be able to postpone the sale or use bankruptcy to pause the case until a decision is made.

You generally have 20 days from being served to respond. If you don’t, the lender can obtain a default judgment, which leads quickly to a sale date. Missing this deadline reduces your options and makes it harder to defend the case.