Sentinel Law, P.A.

The Real Estate market has turned chaotic over the last few years, and many consumers in North & Central Florida are finding that they are unable to afford the home they may have only recently purchased. The answer to the foreclosure lawsuit has three major parts to it: 1) A statement admitting or denying the allegations made in the Complaint, 2) A list of defenses to the foreclosure lawsuit, and 3) A list of affirmative defenses to the foreclosure lawsuit. Sometimes there is a section called “Counter Claims” which acts like a counter-lawsuit, suing the lender for its own violations of the law.

The are many possible solutions:

Loan Modifications, Affirmative Defense, Short Sale, Deed in Lieu, Refinance, Reverse Mortgage, Bankruptcy, and more.

An explanation of each is provided below.


Sale Postponements

We will aggressively attempt to postpone the pending sale to give you and us more time to come to a resolution and get an approved workout with the Mortgage Company. In many instances the Mortgage Company will agree to postpone the sale for you to sell or establish funds.


The Reinstatement amount is the total amount that is past due including late fees and Attorney costs. This amount will get your Mortgage caught up immediately. Because of your financial circumstances in the past, you may be facing a sizable amount of past-due fees, including back payments, late fees and legal expenses.



Credit Help
We understand that if your mortgage payments have become delinquent in most cases so have other creditors. Creditors in some cases may cause you more grief than Lenders. Sentinel wants to help you correct your credit issues completely and efficiently.


Partial Claim (For FHA Home Loans Only)
If you have an FHA Loan, we will be able to start discussions with your lender for a Partial Claim. This strategy is only available on FHA loans. Working together with The Department of Housing and Urban Development (HUD), your lender will agree to help you with a one-time payment.


Second Mortgage Issues

You may not only have arrearages with your first mortgage, but also outstanding issues with a second mortgage or home equity loan. We can help you with these financial difficulties as well.



Deed-in-lieu of Foreclosure
The deed in lieu of foreclosure offers several advantages to both the borrower and the lender. The principle advantage to the borrower is that it immediately releases him/her from most or all of the personal indebtedness associated with the defaulted loan. The borrower also avoids the public notoriety of a foreclosure proceeding and may receive more generous terms than he/she would in a formal foreclosure.



Important Information!!
You do not want to submit all of your personal information to a lender without it being reviewed by an A

• Please Contact us for help with your legal issues