Judicial Foreclosure in Florida
Florida is a judicial foreclosure state, meaning all foreclosures must proceed through court litigation. Attorney James E. Orth Jr. represents private lenders and individual noteholders enforcing promissory notes and mortgages, as well as property owners and borrowers seeking foreclosure defense and settlement workouts (I do not represent institutional big banks).
Both Sides of a Foreclosure
Private Lender Foreclosure
Mortgage lien enforcement, note acceleration, summary judgments, and judicial foreclosure auctions for private investors.
Borrower Foreclosure Defense
Notice defects, standing challenges, accounting disputes, and procedural defenses for property owners.
Loan Modifications & Workouts
Deed-in-lieu agreements, forbearance terms, and private loan restructuring between lenders and borrowers.
Surplus Funds Recovery
Claiming excess proceeds after a foreclosure auction sale.
Frequently Asked Questions
Do you represent national banks?
No. My foreclosure practice focuses on private lenders, individual mortgage holders, and property owners. I do not represent institutional banks.
How much time do I have to respond to a foreclosure summons in Florida?
In Florida civil court, a borrower generally has 20 calendar days from the date of formal service of process to file a responsive pleading or answer.