Facing Foreclosure in Florida?
You Have More Options Than You Think.
Foreclosure is frightening, but it is also a legal process. In Florida, the lender must file a lawsuit, prove its case, and follow the rules.
We help Florida homeowners defend foreclosure cases, challenge servicing errors, and understand their rights before the lender controls the entire conversation.
Former Judge | Former Mortgage Servicer Counselor | Consumer Protection Attorney of the Year | Hundreds of Homes Saved
Foreclosures are Rising in Florida. Panic is Not a Plan.
Recent foreclosure data shows Florida among the states with some of the highest foreclosure rates, and Florida metros such as Lakeland and Punta Gorda have recently ranked near the top nationally for foreclosure activity. But this is not 2008. Overall foreclosure levels remain far below historic crisis levels.
That matters. Rising filings do not mean homeowners are helpless. They mean timing, documentation, legal review, and borrower rights matter more than ever.
When your home is at risk, confusion is part of the pressure.
Foreclosure papers, default letters, escrow notices, loan modification delays, and inconsistent answers from mortgage servicers can make homeowners feel cornered.
You do not have to understand the whole system before asking for help. That is the lawyer’s job.
A careful legal review can identify whether the lender followed the rules, whether the numbers are accurate, and whether there are defenses, claims, or negotiation points available.
Foreclosure and Borrower Rights Services
Foreclosure Defense
Defense of Florida foreclosure lawsuits involving standing, notices, payment disputes, lender documentation, and court procedure.
Loan Modification Problems
Help when applications are delayed, denied without clear explanation, or ignored while foreclosure continues.
Borrower Rights
Help with wrongful foreclosure, RESPA issues, improper fees, escrow problems, and mortgage servicing misconduct.
Foreclosure Surplus Funds
Help claiming excess proceeds after a foreclosure sale when the property sells for more than the amount owed.
Mortgage Servicing Errors
Review of misapplied payments, incorrect balances, force-placed insurance, escrow shortages, and account errors.
Deficiency Judgment Defense
Defense when a lender seeks additional money after a foreclosure sale.
Experience matters when the other side is a financial institution.
Attorney Margery Golant brings unusually deep foreclosure and consumer protection experience. She has served as a former judge, represented homeowners, worked inside the mortgage servicing industry, trained attorneys, been quoted by national and local media, and testified before a U.S. Congressional Judiciary subcommittee regarding foreclosure issues.
That background matters.
She understands how mortgage servicers operate, how foreclosure cases are built, how documents break down, and where borrowers may have leverage.
What happens when you call.
1. We listen first.
You explain what happened, where the case stands, and whether there is a sale date or response deadline.
2. We review the documents.
Foreclosure complaint, note, mortgage, default letters, payment history, escrow notices, modification letters, and court filings.
3. We identify leverage.
Standing issues, notice defects, servicing errors, RESPA issues, surplus funds, deficiency exposure, or settlement options.
4. We build the strategy.
Defend, negotiate, modify, settle, claim funds, or plan the cleanest exit available.
Do not wait for the lender to define your options.
If you have been served with foreclosure papers, have a sale date scheduled, or believe your mortgage servicer has made mistakes, get your file reviewed.