Florida Homeowner Foreclosure Defense Attorney

Florida Real Estate Litigation Law Firm Protecting Florida homes and financial investments

One of the firm’s principal areas of practice is real estate litigation. Our real estate attorneys are experienced in a vast array of real estate litigation issues including mortgage foreclosures of both commercial and residential loans to landlord-tenant disputes. R. Todd Burbine, Esq. also has experience in resolving conflicts which arise during the course of construction. The firm represents clients involved in all facets of the construction industry – owners, contractors, subcontractors and material suppliers. The firm handles:

  • Mortgage foreclosures
  • Quiet title suits
  • Boundary disputes
  • Title disputes
  • Contract disputes
  • Construction claims

Construction lien foreclosures

  • Resolving access issues
  • Landlord-tenant disputes and litigation
  • Title insurance claims
  • Judgment collections
  • HOA litigation

Foreclosure litigation

Nobody wins in a foreclosure. Homeowners lose their homes and often their life savings, while financial institutions rarely recoup their losses from defaulted mortgages. The Florida foreclosure litigation attorneys at R. Todd Burbine, Esq. develop solutions for property owners and the banks that finance their real estate purchases.

If you are a Homeowner facing foreclosure:

We negotiate to keep you in your home or — if the bank refuses to play by the rules — we fight your case in court. In some cases, we can help you vacate your home and relieve you of your mortgage debt. Options we may employ to protect your rights and interests include:

  • Foreclosure defense
  • Mortgage modification
  • Loan forbearance
  • Short sale
  • Deed in lieu of foreclosure
  • Third party assistance (i.e. Florida Hardest Hit Program, etc.)

Mortgage modification

If your home remains a good investment, but circumstances have rendered your monthly payments difficult, you may benefit from a mortgage modification. Through a well-drafted agreement, the bank agrees to revise the terms of your original loan to allow you to make more affordable monthly payments.

Loan forbearance

Loan forbearance can provide a temporary solution if you have fallen behind on your monthly payments. The arrangement allows you to bring your payments current during a period in which the lender agrees not to foreclose.

Short sale

If your home’s value has plummeted so much that it is not worth the outstanding balance on your mortgage, the bank may allow you to sell your home for less than the amount you owe on your loan. A short sale relieves you of your debt and typically commands a higher payout to the bank than had they foreclosed. Here at R. Todd Burbine, Esq. we can handle all facets of the short sale process. Or attorneys can help with the litigation and our real estate agents can list the property and handle the sell and negotiations with the lender.

Deed in lieu of foreclosure

Like a short sale, a deed in lieu of foreclosure permits you to give up your interest in your home without retaining the mortgage. We negotiate and draft a carefully-structured agreement with the bank that permanently relieves you of your debt.

Whether you have a real estate development project that requires legal guidance or a complex real estate dispute that requires litigation, R. Todd Burbine, Esq. can help. Our lawyers have experience in helping our clients achieve their real estate goals as well as defending their rights in litigation when things do not go according to plan.

Third Party Assistance

Sometimes lenders are not interested in negotiating with a homeowner. However, this does not mean that you have run out of options. There are organizations which exist for the purpose of assisting homeowners who have been most negatively affected by the collapse of the housing market. One option, Florida Hardest Hit Help, may be able to provide financial assistance to homeowners who meet certain requirements. It can be difficult to determine which homeowners qualify for programs like these, but our attorneys are available to help.

R. Todd Burbine, Esq. is located St. Petersburg, FL. We are always working to open an office near you.

Call R. Todd Burbine, Esq. at (727) 286-6257 or contact us online to schedule a consultation.