South Florida has experienced a lot of homes going underwater with their mortgages and its own fair share of the foreclosure crisis that has swept the nation in the past 5 years.  Even with talk of the Federal/State settlement, if your home is in foreclosure, there isn’t a lot the settlement can do to halt the process or relieve your debt substantially. In some cases, you might be offered something by the bank but foreclosure defense attorney, Roy Oppenheim, suggests that if you like your home and want to stay, to not immediately accept offers of settlement. There are so many ways to fight foreclosure that unless you’re just wanting to leave the home for good anyway, it might prove beneficial to fight for your home through the legal system and stall the process of foreclosure with every legal means at your disposal.

One such way to do this that has proven to be highly successful in recent foreclosure defense cases is demanding that the original loan documents be shown in court.  Since many loan processors and banks have been in their own chaos associated with the economy, paperwork has been shuffled around so much between different lenders that it’s easy for the original documents to become lost in the shuffle.  In cases like these, homeowners are learning that they can remain in their homes despite foreclosure and despite not making payments.