Are you behind on your mortgage? Have you been served with foreclosure paperwork? This can be a very stressful situation, but do not panic, Davison & O’Neil can help.

We will help you develop the right plan to avoid foreclosure, whether you want to keep your property or surrender it. If you wish to keep your property, we will pursue multiple retention options including but not limited to: Reinstatement, Loan Modification, Short-Payoff, and Full Payoff/Redemption. We will put together a sophisticated analysis to help you decide if you want to keep or surrender your property. You may want to keep your property for sentimental reasons, sometimes this decision could cause you permanent financial ruin. Davison & O’Neil will review your individual financial condition, relevant market values, assessments, alternative loan terms, full performance terms, among other factors to determine your best course of action.  If you wish to liquidate or surrender your property, we will pursue non-retention options including but not limited to: Deed in Lieu, Short Sale, Consent Judgment, and Bankruptcy.

A HOA or Condo Association can also file a foreclosure action against a property owner for multiple reasons.  Although the Florida legislature authored statutes that are very friendly to both Association types, thereby affording the Associations the highest level of statutory protection, there are viable defenses and ot​her options. We recommend contacting us at Davison & O’Neil to discuss your case and options.

​Contact us today at (407) 403-6740.