Experienced Foreclosure Defense
Strategic defense at every stage. Two decades of experience navigating Florida's foreclosure courts.
Facing a foreclosure action is one of the most frightening experiences a homeowner or property owner can endure. The threat of losing your home or investment property to a lender can feel overwhelming — especially when the legal process seems designed to move quickly against you. But a foreclosure lawsuit is not a foregone conclusion. There are real, substantial defenses available under Florida law, and we know how to find them and use them.
Florida is a judicial foreclosure state, which means that a lender cannot foreclose on your property without filing a lawsuit and obtaining a court order. That process creates multiple opportunities to challenge the lender's right to foreclose, expose procedural violations, and protect your interests.
We have represented homeowners and property owners at every stage of the foreclosure process — from initial default notices through summary judgment hearings, trials, and post-judgment proceedings. If you have received a Notice of Default, a Notice of Lis Pendens, or have been served with a foreclosure complaint, do not wait. The earlier you involve an attorney, the more options you have.
120 Days
Florida's minimum pre-suit period
Before a lender can file foreclosure, specific notices must be sent — creating early opportunities for intervention.
5 Years
Statute of limitations on mortgage actions
Expired limitations can be a complete defense — especially critical in zombie mortgage cases.
Free
Initial phone consultation
We evaluate your case and your options before you commit to anything.
— OUR SERVICES
Defenses We Raise in Foreclosure Cases
— THE PROCESS
How Florida Foreclosure Defense Works
You receive a notice or complaint
You receive a default notice, a Notice of Lis Pendens, or are served with a foreclosure complaint. Do not ignore it — time is of the essence from day one.
We review and investigate
We examine the mortgage, note, entire servicer history, and all communications to identify every available defense — from standing defects to RESPA violations.
We file an answer and assert defenses
We file a comprehensive answer raising all viable defenses, potential counterclaims, and challenges to the lender's standing and legal compliance.
Discovery and motions practice
We conduct discovery to expose servicer errors, assignment defects, and regulatory violations. We file motions to dismiss or for summary judgment where the facts support them.
Resolution
Cases may resolve through trial, negotiated settlement, loan modification, or — in appropriate cases — dismissal. We pursue the best outcome available for your specific situation.
— OUR APPROACH
A Foreclosure Lawsuit Is Not the End
We also represent clients who have been victims of unlawful foreclosure actions — where a lender has foreclosed without proper authority, in violation of a court order, or in contravention of an active loan modification agreement. We pursue affirmative claims for wrongful foreclosure and work to restore our clients' rights and, where applicable, recover damages. Attorney Matos began her career helping low-income families save their homes at Legal Aid Service of Broward County, then managed an entire foreclosure department — and now brings that same depth of experience to every client at Matos Legal.
— COMMON QUESTIONS
Frequently Asked Questions
Need Legal Help?
Contact us today for a free phone consultation. No obligation — just clear answers.