Are You Facing Foreclosure Or A Tax Lien Sale?
HAVE YOU RECEIVED A NOTICE OF A PENDING SALE OF YOUR PROPERTY, WE CAN HELP.
There are many situations that cause a homeowner to get behind on their mortgage payments and/or real estate property taxes. If you find yourself in this situation and are researching all of your available options we may be able to help you determine what the best course of action is for your particular situation.
We understand all of the nuances and timelines of the foreclosure and tax sale process here in Jacksonville Florida and can help you understand what options are available to you.
One of the issues that we see come up often is that the homeowner decides that selling is their best option BUT they need the proceeds from the sale of the property to secure their new residence. This was one of the main reasons we created the EZ MOVE Program to help homeowners with this stressful situation.
Although we buy houses that are in foreclosure our goal is to help homeowners by giving them the information and options that will help them put this situation behind them and move on with there lives. If you would like to talk about your situation please give us a call.
There is no better feeling that we get than from helping someone out of a very stressful situation. Sometimes all you need is to talk to someone that has been through this process with many other homeowners so you can understand that everything is going to be ok and you’ll finally be able to sleep at night instead of worrying about the pending foreclosure or tax lien sale that is scheduled.
The summons is issued and served on the homeowner either by personal service or by publication. It is best to take the service personally instead of having them serve you by publication. It is best to know when the process started and if/when they have a date scheduled for the sale of your property.
There cannot be a transfer of title without a public auction in a judicial state such as Florida. You have a few options when you receive the paperwork. You can call the lender and see what options they may be able to offer you. Another option is to schedule a consultation with an attorney that is well versed in the foreclosure process. You can also list your property for sale with an agent or you can call a professional home buying company.
The advantage of using a professional home buyer is that you can sell the house as is, they will pay the closing cost and if you choose us you will have the option of our EZ MOVE Program.
There are also a number of organizations that have volunteer attorneys and services that can help you through the process and come up with a game plan that is going to work for you.
If you are not able to work out a solution with the lender or an attorney and there’s been a determination made either with a final judgment after trial or what’s called a final summary judgment where the court looks at all the pleadings and says there’s no legal defense, there’s no legal reason why a sale shouldn’t take place. The sale generally takes place about 30 days after the final judgment and in many instances homeowners are able to negotiate 60 to 90 days post judgment before the sheriff holds the sale.
After the sale is completed the property owner has about 10 days to move out and not be ask to leave by the sheriff. They’re not going to come in the middle of the night and change the locks or move you out.
So it’s not an eviction like in a landlord – tenant case but if you stay there long enough and you don’t investigate your options and do a little planning it could seem like that because you will eventually be dispossessed by the sheriff.