IN THE CIRCUIT COURT FOR THE SIXTH JUDICIAL CIRCUIT
IN AND FOR
v. CASE NO.:
IMPORTANT NOTICE TO HOMEOWNER
A FORECLOSURE ACTION HAS BEEN FILED AGAINST YOU - YOU HAVE RIGHTS DURING THE FORECLOSURE
You are urged to seek legal counsel to protect your rights and your home. If you are able to afford an attorney, you may contact the local Bar Associations lawyer referral services.
If you cannot afford an attorney, you may contact your local legal aid or legal service provider.
Attorney’s Saving Homes (888) 607-2187
Bay Area Legal Services, Inc. (727) 490-4040 (352) 567-9044 www.bals.org
Community Law Program (only
Gulf Coast Legal Services (only
2-1-1 Tampa Bay Cares, Inc. 211 www.211tampabay.org
Catholic Charities Diocese of
Consumer Credit Counseling Service (800) 984-0977 www.cccsfl.org
Foreclosure Help Line (888) 995-4673 www.fha.gov/fhasecure
Housing & Education
National Foundation for Debt Management (727) 254-5353 www.nfdm.org
Pinellas County Community Development Department (727) 464-8210 www.pinellascounty.org/community
Solita’s House, Inc. (813) 425-4847
St. Petersburg Neighborhood Housing Services (727) 821-6897 www.stpetenhs.org
Tampa Bay Community Development Corporation (727) 442-7075 www.tampabaycdc.org
The Florida Department of Children and Families www.myflorida.com/accessflorida/
U.S. Department of Housing and Urban Development (HUD) (800) 225-5342 www.fha.gov/fhasecure
One or more of the following options may be available to help you save your home. Contact a Housing Counseling agency to find out additional information.
Reinstatement: Repayment of the total amount that you are behind in a lump sum payment.
Forbearance: Temporary reduction or suspension of your mortgage payments.
Repayment Plan: Agreement that allows the homeowner to repay the amount that you are behind gradually while making your regularly scheduled monthly payments.
Loan Modification: Written agreement that permanently changes one or more of the original terms of your mortgage to make the payments more affordable.
Short Sale: Lender may allow you to sell the home for less than the total amount owed on the mortgage. If the lender agrees to the short sale, the remaining portion of the mortgage that exceeds the net proceeds form the sale will be written off by the lender.
Deed-in-lieu of Foreclosure: Lender will cancel the mortgage if the homeowner voluntarily transfers the title of the property to the mortgage lender.
AVOID FORECLOSURE RESCUE SCAMS: You may be contacted by individuals or companies that claim they can save your home from foreclosure. Please seek legal advice before you sign any documents or pay money to anyone offering to save your home from foreclosure. If you think that you have been a victim of a foreclosure scam, you may call one of the following numbers for assistance:
Florida Department of Financial Regulation 1-800-342-2762
Federal Trade Commission 1-877-382-4357
Office of the Attorney General 1-866-966-7266
Consumer Services Division of Florida Department of Agriculture 1-800-435-7352
ATTACHMENT A – NOTICE TO HOMEOWNER