Florida Mortgage Foreclosure Defense Lawyers
Have you received a notice of foreclosure? If so, you may be able to prevent it, but you must act quickly. In Florida, homeowners have the right to bring a defense to any foreclosure action.
Varner, Nix & Kirkland, P.A., in Milton, Florida
Toll-free at 1-866-981-9959 • 850-981-9959 • E-mail
At Varner, Nix & Kirkland, our legal team provides aggressive defense for families in jeopardy of losing their homes to foreclosure. With more than 30 years of combined experience, we offer homeowners help to stop foreclosure and to save their homes.
Homeowners May Not Be at Fault
Lenders take action when they do not receive monthly mortgage payments from borrowers by the due dates. Borrowers are contractually obligated to repay the money they received on loan. If a borrower continually fails to make timely payments, the lender has the right to bring foreclosure action against the homeowner, according to the terms of the contract.
It may seem the lender has a straightforward case against a borrower who fails to make mortgage payments and defaults on a loan. However, the recent economic meltdown caused, in part, by predatory lending practices in real estate brought new information to the forefront. Homeowners may not always bear the fault of a defaulted loan. Rather, there may be other factors that caused the borrower to fail.
Fraudulent Lending Practices May Cause Foreclosure
The attorneys at Varner, Nix & Kirkland realize that many homeowners fell prey to unscrupulous lenders. That is why we provided strong advocacy for those facing wrongful foreclosure. By looking through the loan documents and investigating if there was constructive fraud, breach of contract or excessive fees, we search for factual proof to benefit our clients' cases. We also look for any violation of federal, state or local laws such as:
- Truth in Lending Act (TILA)
- Fair Credit Reporting Act (FCRA)
- Equal Credit Opportunity Act (ECOA)
- Home Mortgage Disclosure Act (HMDA)
- Fair Debt Collection Practices Act (FDCPA)
- Real Estate Settlement Procedures Act (RESPA)
- Homeownership and Equity Protection Act (HOEPA)
If you believe your home may be lost to foreclosure or you have received notice of foreclosure, contact us immediately. We fiercely protect your rights to retain your home.
Varner, Nix & Kirkland, P.A.
6478 Highway 90, Suite A
Milton, Florida 32570
Phone: 850-981-9959
Toll Free: 866-981-9959
Fax: 850-981-9962
E-mail
Map & Directions
Located on Highway 90 in Timberland Plaza
across from Wendy's and La Hacienda Restaurant
The hiring of a lawyer is an important decision that should not be based solely on advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.
Varner, Nix & Kirkland, P.A. represents clients throughout northwest Florida, including Pensacola, Fort Walton Beach, Escambia Bay, Crestview, Niceville, Destin, Mary Esther, Miramar Beach, Valparaiso, DeFuniak Springs, Elgin Air Force Base, Whiting Field NAS, Naval Air Station, Santa Rosa County, Escambia County, Okaloosa County and Walton County.