Caroline Secor PA

Foreclosure Lawyer Tarpon Springs

Fight for your home

For many, homeownership represents more than just a person’s biggest asset, it represents the American dream. You worked hard, paid your dues, made sacrifices, and finally, your efforts were rewarded by the dream becoming a reality. However, even the best dreams can get rocky at one point or another, and, many of our friends and families who have realized the dream of homeownership have had to deal with the nightmare of losing their home to the bank. Never has this been more a reality for so many, especially in Florida, where many of our neighbors came to America with the optimism and hope of making a better life for them and their families.

The very word “foreclosure” strikes fear into the hearts of Floridians because what can be lost is so great and the pressure from the banks can feel so overwhelming. First, accept the reality of the situation. If, for whatever reason, you have gotten behind on your mortgage and are receiving letters threatening foreclosure proceedings, the worst thing you can do is put your head in the sand and pretend as though nothing is happening. Second, do not waste time feeling guilty or sorry for yourself about the situation. Only you know the reasons why times became difficult and once a bank has initiated foreclosure proceedings, they most likely do not care. Instead of focusing on what the bank thinks about you and your situation, it is best to stay focused on your strategy and move forward with a clear mind and healthy spirit. Third, you should speak with a qualified attorney with experience in the area of foreclosure law so that you can sit down with someone who can explain the process of what is happening to you and provide you with options to deal with the situation.

The good news is that you do have options. While everyone’s individual circumstances are unique, once the actual process of foreclosure has commenced, you are dealing with the legal system, which has its own rules, timeframes, and processes which are applied to everyone, regardless of their story. While no one wants to be in a position where they cannot pay their mortgage and are sued by the bank to recover the collateral, your home, it is important to remember that the legal process takes time and because it is the bank that is initiating the lawsuit against you, the bank has the burden to prove their case against you. This means that unless the bank can show by a preponderance of the evidence that they have a valid, legal and proper lien against your property, they cannot recover their collateral. Bottom line is that we are talking about your home, it is probably worth fighting for and while no ethical attorney will ever offer a guarantee of a particular outcome, the reality is that there is a litany of legal defenses that can be raised which could result in you prevailing in your case and staying in your home. Even if you do not prevail, it could take between 18 and 36 months or more for the foreclosure process to get from the first stage, service of the lawsuit, to the end of the case, final judgment and judicial auction. During this period of time, you are still in your home and, most likely, no longer paying the mortgage, which is probably the biggest expense in your life. With time comes opportunity and for many, a short break from the pressure of their monthly payment off their back, they can put money on the side and begin the process of reclaiming their life.

Only a licensed attorney is legally allowed to provide you with legal in the state of Florida, so make an appointment today because the quicker you take action, the more options your attorney can find for you and the better chance you have of a positive outcome that give you the opportunity to have a new lease on life, or better yet, homeownership.

Carolyn Secor


The federal government passed new bankruptcy reform legislation in October 2005. However, don't be discouraged! Most studies indicate that the new law affects less than 15% of individuals who could have filed previously. If you are feeling overwhelmed by your debts and considering filing bankruptcy, it is highly probable that you fall into the category of the 85 percent of people who are still eligible to file.




"Serving Pinellas, Pasco, and Hillsborough Counties."

Carolyn Secor, Attorney at Law
Bankruptcy Attorney Tampa Bay Florida
Florida Law Firm with Offices in
Clearwater (Main Office) Tampa St. Petersburg Port Richey
Phone:  1-727-254-1704

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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