IN THE CIRCUIT COURT FOR THE SIXTH JUDICIAL CIRCUIT
IN AND FOR PASCO/PINELLAS COUNTY, FLORIDA
CIVIL DIVISION
Plaintiff(s), REF:
UCN:
v.
Defendant(s).
_______________________________________________________/
IMPORTANT NOTICE TO HOMEOWNER
A FORECLOSURE ACTION HAS BEEN FILED AGAINST YOU
YOU HAVE RIGHTS DURING THE FORECLOSURE
|
IF YOU DO NOT RESPOND TO THIS LAWSUIT, A FINAL JUDGMENT WILL BE
ENTERED AND YOUR HOME WILL BE SOLD AT A FORECLOSURE SALE. |
|
IF YOU WANT TO TRY TO SAVE YOUR HOME, YOU MUST RESPOND TO THIS LAWSUIT AS
DIRECTED IN THE SUMMONS. |
|
IN ADDITION, YOU MAY WANT TO ASK TO
PARTICIPATE IN MEDIATION. YOU MUST FILE A MOTION ASKING THE COURT TO
REFER THIS CASE TO MEDIATION. PLEASE
SEE BELOW. |
LEGAL RESOURCES
You are urged to get a lawyer to protect your rights and your home. You should find a lawyer even if you ask for mediation or other services. If you are able to afford a lawyer, 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.
Bay
Area Legal Services, Inc. (727)
490-4040 (352) 567-9044 www.bals.org
Community
Law Program (only Pinellas County) (727) 582-7480 www.lawprogram.org
Gulf
Coast Legal Services (only Pinellas County) (727) 821-0726 www.gulfcoastlegal.org
MEDIATION
You may ask to participate in
mediation in an attempt to resolve this matter.
If you want in good faith to attempt to come to an agreement with the
lender about this matter, you or your attorney should file a motion asking the
court to refer the case to mediation. You
must also respond to the lawsuit as directed in the summons.
Please review the Court's website at www.jud6.org for more information about mediation of mortgage foreclosure cases and a form motion requesting mediation.
ATTACHMENT C NOTICE TO HOMEOWNER
In addition, you may wish to
contact a Housing Counseling agency to find out more information.
HOUSING COUNSELING
Catholic Charities
Diocese of St. Pete (727)893-1313 www.thefloridacatholic.org/stp/stphp.php
City of St. Pete Housing & Community Dev.(727) 893-7247
www.stpete.org/housing/home_forclosure
Consumer Credit
Counseling Svc. (800) 984-0977 www.cccsfl.org
Homeowners Hope
Hotline (888)
995-4673
www.makinghomeaffordable.com, or www.995hope.org,or www.hopenow.com
Housing &
Education Alliance (813) 261-5151 www.myhomeamerica.org
National Foundation
for Debt Management (727) 254-5353
www.nfdm.org
Solita's House, Inc. (813) 425-4847
St. Pete Neighborhood Housing Svc. (727) 821-6897 www.stpetenhs.org
Tampa Bay Community Development Corp.(866) 608-3220
www.tampabaycdc.org
OTHER RESOURCES
2-1-1 Tampa Bay
Cares, Inc. 211 www.211tampabay.org
Clearwater
Neighborhood Housing Svc. (727)
442-4155 www.cnhs.biz
Pasco County Office of Management (727) 834-3445,
& Budget
(352)521-4274 x3445 www.pascocountyfl.net
Pinellas County
Community
Development
Department (727) 464-8210 www.pinellascounty.org/community
The Florida
Department of Children and Families www.myflorida.com/accessflorida/
U.S. Dep. of Housing and Urban Development (HUD) (800) 225-5342 www.fha.gov
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 1-866-966-7226
Consumer
Services Division of Florida Department of Agriculture 1-800-435-7352
Pinellas
County Justice & Consumer Services
(727)
464-6200 www.pinellascounty.org/consumer
One or more of the following
options may be available to help you save your home.
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 from
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.