The coronavirus pandemic has caused financial hardships for many Florida families. There are many legal protections for homeowners who cannot pay their mortgage during these difficult times. Learn about your legal rights to be sure you and your family continue to have a safe place to shelter in place from the risks of COVID-19.
The Current Foreclosure Ban
The current ban is a rule in place by the Department of Housing and Urban and Development. This rule has directed mortgage companies to halt all foreclosure actions on properties secured by government loans. (This applies to most traditional mortgages in the United States.) Some states have enacted foreclosure bans that require proof of hardship related to COVID-19, such as hospitalization or job loss. However: the federal rule requires no such proof. This means that you do not have to prove that your job loss was related to the coronavirus pandemic in order to qualify for relief. This rule currently expires on December 31, 2020. HUD could extend its rule. Other government agencies – such as the CDC – could also use their own emergency powers to enact foreclosure protections. There could also be executive orders from the President or Governor. It is important to work with a lawyer who stays up to date on all these changes. Emergency protections have been changing quickly, and an experienced foreclosure lawyer can help you understand how to enforce the protections that apply to your particular situation.
Experienced, Aggressive Florida Foreclosure Lawyers
The experienced foreclosure lawyers at Quattrocchi and Torres have helped many Florida homeowners understand their legal rights throughout the foreclosure process. Now, more than ever, it is important to enforce your legal rights to ensure that you and your loved ones have a safe place to shelter from the coronavirus pandemic. Call 407.452.4918 or contact us online for your free consultation with an experienced Florida foreclosure attorney.