How to Stop Foreclosure in Tallahassee, Florida

There are a number of ways to stop foreclosure in Tallahassee, Florida. The most critical stage in the foreclosure process in Tallahassee is the scheduling of a court-ordered sale of your property. The order is made by a judge in the Circuit Court of the Second Judicial Circuit in Leon County, Florida. Leon is the county seat for Tallahassee. There is still time to save your house after the court order, but you will have to act fast.

Instructions

1

Contact a nonprofit housing counselor in Tallahassee, Florida. Select a counselor certified in foreclosure prevention by the U.S. Department of Housing and Urban Development. Find a counselor in Tallahassee by visiting the HUD website. Examples of nonprofit counseling agencies in the city as of 2010 include Legal Services of North Florida, Tallahassee Lenders Consortium and the Tallahassee Urban League.

2

Meet with the HUD-certified counselor in Tallahassee to craft a strategy for avoiding foreclosure. Your goal is to prevent the lender from filing a foreclosure lawsuit leading to a court-ordered sale of your property. If the court order has already been granted, you and the counselor must convince the lender to stop the scheduled sale. For the sale to be stopped, the lender must file a legal document called a Motion To Cancel and Reschedule Foreclosure Sale. The document must be filed in the Circuit Court of the Second Judicial Circuit. Only the lender, who is referred to in the document as the plaintiff can file the motion.

3

Ask the counselor to contact the lender immediately. Participate in the three-way conversation with the counselor and the lender. Offer the lender solutions for resolving your delinquency, such as more time to sell the property, or a forbearance agreement, which can bring your account current by tacking missed payments onto the end of the loan. Other options are also available, including repayment, which allows you to eventually make up for missed payments by paying a little extra each month.

4

Negotiate with the lender until you have an agreement to stop the foreclosure, including the filing of the "motion to cancel" legal document.