It is our goal to provide superior bankruptcy representation to each of our clients by focusing on individualized customer service and the expeditious completion of tasks, with an emphasis on regular and prompt communication with our clients. We are committed to the concept of Total Quality Management wherein we routinely engage in business strategizing, problem solving, and cost reduction projects to ensure our department operates in an efficient and cost-effective manner that meets the needs of our clients and exceeds their expectations in the ever changing default servicing environment.
Our Bankruptcy department represents mortgage creditors in Chapter 7, Chapter 11, and Chapter 13 bankruptcy cases and handles a diverse range of bankruptcy pleadings including, but not limited to, Motions for Relief from the Automatic Stay, Proofs of Claim, Objections to Confirmation, Reaffirmation Agreements, Payment Change Letters and Default Notices. Our departmental policies and procedures are designed with an emphasis on the quality of our work product and superior customer service to ensure that we not only meet our clients’ standards and timelines, but consistently exceed them.
Florida state law dictates how the foreclosure process is completed. Foreclosure sale of a property may occur at any time of the month once a judgment has been ordered. We are required to advertise the foreclosure sale in a local newspaper, in the county where the property is located, once a week for 2 weeks immediately prior to holding the sale. The sale date is determined by the judge and typically occurs 45 to 60 days after a judgment. We notify you of the sale date by sending a Notice of Foreclosure Sale via mail. The Notice of Foreclosure Sale is also sent to the appropriate newspaper to be published for the next 2 weeks.
The foreclosure sale is conducted as an auction, held on the steps of the county courthouse where the property is located or is conducted online. Your sale may be held any time between 10am and 4pm. The amount of the bid is established by the amount you owe, the value of the property, and other applicable factors. Once the sale is held we send the Foreclosure Deed for recording and title to your property is transferred to the successful bidder. Please note that there is a 10-day redemption period, during which the borrower may contest the sale.