Fighting Foreclosure in Florida's Panhandle
Attorney David A. Sapp
In difficult economic times, people who never expected to lose their homes now face the reality of foreclosure. In Florida, you only have a limited amount of time to respond after the bank informs you of its intent to foreclose. Many people decide not to respond and they wind up losing their family's most valuable asset. Others fight for their homes and their families in Northwest Florida by talking to an experienced Florida foreclosure defense attorney.
You can wage an effective fight to keep your home. The first step is to contact my office at 850-475-0500 or toll-free at 866-930-1821. We will talk over your circumstances and decide on a strategy that suits your situation. I charge an affordable, flat-rate fee for my services.
I've been providing effective legal services for over 30 years, so I understand the law and how it can be used in defending your home from foreclosure. For years, I have assisted clients in the buying and selling of real estate throughout Northwest Florida, including communities located in Escambia County, Okaloosa County and Santa Rosa County, Florida. This experience gives me a an in-depth understanding of the mortgage process as well as the available defenses and alternatives to a foreclosure action.
- Depending on your circumstances, I can guide you through a number of foreclosure defenses, including the possibility of obtaining a modification of mortgage (interest rate reduction, extending the loan term, and principal forbearance).
- I can also advise and assist in a short sale, in which you sell your home for less than what you owe on it. In a typical short sale, the bank agrees to accept the lesser amount as full payment of your mortgage, freeing you from further obligation.
- I can also advise and assist in requesting that your lender accept a "deed in lieu of foreclosure", wherein you deed your property back to the lender without the necessity of a foreclosure action. There are certain pitfalls with this type of transaction and before agreeing to provide a "deed-in-lieu" to your lender, you need to be aware of the potential problems such as a lender's potential right to claim a deficiency.
- I will also review the bank's paper trail on your house. If the mortgage company doesn't have proper documentation indicating that it holds your note/mortgage, foreclosure proceedings may be delayed or stopped entirely, forcing the mortgage company to start all over again.
- Residential and commercial closings (representing buyer or seller)
- 1031 exchanges
- Title examinations
Corporate and Business Law
I also have long practiced in the areas of corporate and business law, representing a wide variety of small businesses and major corporations. Among the services offered in these areas are:
- Formation of various business entities, including joint ventures, partnerships, limited partnerships, corporations, limited liability companies, and professional associations
- Business sales, acquisitions and mergers
- Negotiation and drafting of employment agreements, non-competition agreements, buy-sell agreements, and similar agreements
- Business counseling
At David A. Sapp, P.A., I am committed to addressing and fulfilling the legal needs of each and every client. I recognize that each client is unique, and their legal needs are of utmost importance to that particular client. I believe that meeting these needs in a professional, efficient and competent manner is the most important factor in the legal representation of my clients.
To schedule an appointment with an experienced real estate lawyer and foreclosure defense attorney, call the law office of David A. Sapp at 850-475-0500 or toll-free at 866-930-1821. You may also contact me online.