With the current state of the economy, there has become a nearly overwhelming demand for attorneys to defend homeowners in these actions. Nicholas T. Steffens & Associates, P.A. has answered the call and is currently representing homeowners against many of the major banks and servicing companies and battling their well regarded law firms.

The goals of our homeowner defense practice are three-fold: to keep the homeowners in their homes, have a new mortgage with payments the homeowners can afford and have the pending case dismissed. Our experience says that the best way to do this is to defend the action in court and negotiate with the bank.

Our litigation focuses not only on defending the claims made by the bank, but by seeking the dismissal and, on occasion, prosecuting counterclaims against the bank for fraud in the mortgage procurement and/or collection process. Ever advance made by the bank is met with resistance in responsive pleadings and with oral argument in court. Further, when applicable, we seek the dismissal of the case based on the bank or their counsel not following relevant Florida and federal statutes.

Our negotiation is geared toward working with the lender to work out a solution. This is most commonly referred to as a loan modification. By completing a modification packet and/or attending mediation, many banks will propose several alternatives to the current mortgage. As a result, the case can be dismissed with a new, more affordable loan. Our attorneys help you chose the new loan that is best for you so you never have to battle foreclosure again.

In order to keep the public aware of the developments in this area of law, Nicholas T. Steffens & Associates have opened a blog to cover the topic. Click here to follow the Florida Foreclosure Blog and stay informed.