Tampa Foreclosure Defense Lawyers Fighting to Save Your Home

Facing Foreclosure in Tampa?

You Still Have Time — and Options

If you’ve received a foreclosure notice in Tampa, don’t wait. Florida foreclosure law gives you the right to defend your home — and we’re here to help you do just that. At Consumer Law Attorney, we protect homeowners in Hillsborough County from foreclosure through legal defense, loan modifications, bankruptcy, and more.

Free Foreclosure Case Review

Services We OfferComprehensive Foreclosure Defense Services in Tampa

Foreclosure Lawsuit Defense – We fight the banks in court
Loan Modification Negotiation – Reduce payments and save your home
Chapter 13 Bankruptcy Filing – Immediate stop to foreclosure actions
Emergency Motions to Stop Sale Dates – Act fast, even if your auction is days away
Short Sale & Deed in Lieu Solutions – Leave your home without foreclosure on your record
Loss Mitigation Representation – Ensure your lender plays by the rules

Why Tampa Clients Choose UsLocal Foreclosure Attorneys With Proven Results

We know the Tampa court system, local lenders, and foreclosure procedures. Our firm has helped hundreds of Hillsborough County homeowners protect their homes or exit foreclosure with dignity.

Key Benefits:

Deep knowledge of Hillsborough County foreclosure courts
Strategic, fast-moving legal team
Payment plans and emergency support available
No judgment — just real help in a stressful time

Understanding the Foreclosure ProcessWhat Happens During a Foreclosure in Tampa?

Steps:

1. Missed Payments: After 90+ days, you’re at risk
2. Lis Pendens Filed: This is your official foreclosure notice
3. Foreclosure Lawsuit: You have 20 days to respond
4. Judgment Issued: Without a defense, a sale date will be scheduled
5. Public Auction: Your home is sold at courthouse
6. Eviction: If the property sells, new ownership may pursue eviction

Note:

The sooner you contact a lawyer, the more options you’ll have.

What Our Tampa Clients Say

    
 
 
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   Marvin Louka 
 
 
 
  Very professional and quick turn around!
  
 
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   Kiera Smith 
 
 
 
  Great firm. Polite, honest, and professional. Handled our dispute accordingly.Elaine Prado is amazing. Definitely recommend. Took all of my anxiety away as legal matters can be very grey sometimes.
  
 
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   Dorron Turner 
 
 
 
  Elaine Prado did a great job of keeping me informed on my case and letting me know my options.
  
 
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   Gabrielle Valentine 
 
 
 
  Exceptional Personal Injury Firm I engaged Consumer Law Attorneys to assist me with a personal injury matter that occurred during my pregnancy. It was a particularly frightening experience, especially during the third trimester. From my initial consultation with Attorney Young Kim, I found him to be informative, professional, and friendly. Throughout the process, he was always available to answer my questions, which gave me great confidence and allowed me to focus on my family rather than the case. Attorney Kim reached a settlement that exceeded my expectations. I am extremely pleased with the outcome. My baby and I are doing well, thanks to Mr. Kim and his dedicated paralegal, Elaine. I highly recommend Consumer Law.
  
 
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   Robert M 
 
 
 
  Excellent Legal Representation I recently had the pleasure of working with Consumer Law Attorneys (CLA) on my personal injury case. Attorney Young Kim and his Paralegal Elaine were always available to answer my questions and kept me informed every step of the way. I received a fair settlement that exceeded my expectations. I highly recommend CLA to anyone in need of a personal injury attorney. Their exceptional service and genuine care for their clients set them apart from their competitors.
  
 
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   Chrissa Haygood 
 
 
 
  These lawyers have great communication skills and will fight for you!
  
 
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   Jennifer Kennedy 
 
 
 
  I stupidly signed as a Co Borrower for a young family member.  I had no idea home was in foreclosure until contacted by a process server. Consumer Law worked with me to stop foreclosure until house could be sold.  They saved me from financial ruin!

FAQsFlorida Foreclosure FAQ

How long does a foreclosure take in Hillsborough County?

It depends, but many cases run 6–12 months, sometimes longer, especially if you respond within 20 days and raise defenses or pursue a loan modification. If you ignore the case, the bank can move faster and set a sale date much sooner. Filing Chapter 13 or entering mediation can also slow the timeline while you work on a solution.

Can I stop foreclosure with bankruptcy?

Yes. Filing Chapter 13 in Tampa puts an automatic stay in place the moment you file. That stops the sale and lets you catch up missed payments over 3–5 years while you keep making the current payment. Chapter 7 also creates a short pause, but it doesn’t give you a plan to cure arrears. If you want to keep the home, Chapter 13 is usually the better fit. Timing matters—file before the auction.

What is a deficiency judgment and can I avoid it?

If your home sells for less than what you owe, the lender may try to collect the difference (the “deficiency”). In Florida, the lender has a limited time after the sale to ask the court for it. Ways to reduce or avoid a deficiency include:

Negotiating as part of a modification, short sale, or deed in lieu
Arguing for a fair market value credit (so you aren’t charged more than the true value)
Chapter 13 or 7 to deal with personal liability for any leftover debt
Getting ahead of this before the sale gives you the best shot.

Will I have to move out immediately after foreclosure?

Usually, no. After the auction, the buyer must receive the Certificate of Title first. If you’re still in the property, they typically must seek a writ of possession through the court. That process can take days to weeks. Some owners negotiate “cash for keys” to set a move-out date. If you act before the sale, you may avoid all of this.

Contact

MAIN OFFICE

Main Office: 2727 Ulmerton Road, Ste. 270, Clearwater, FL 33762

CONTACT

TELEPHONE

(877) 241-2200

WORKING HOURS

Mon-Fri: 9am – 6pm EST

Protect Your HomeTalk to a Tampa Foreclosure Defense Lawyer Now

Time matters. We can stop or delay foreclosure, but you have to act fast. Get your free consultation today.

(877) 241-2200

Request My Free Consultation

More Services

Foreclosure Defense

Personal Injury

Bankruptcy

*Disclaimer: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

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