Location, location, location—geography makes a difference, even when it comes to home foreclosures.

There is more distinction between Florida and Georgia than simply comparing oranges to peaches.  Georgia is a non-judicial foreclosure state, meaning the lender can give notice, publish, and foreclose within 60 days with only the clerk and an attorney, no judge present. If the borrower stops paying, the lender can take action a lot faster to reclaim the property.

The up side of non-judicial foreclosure is that it speeds up the process.  It reduces the judges’ workload, and for the homeowner who does not really care, it ends the foreclosure quickly.  The problem is that there are people who do care, but who do not know any better.

What Florida lacks in kudzu it makes up for in opportunity to defend a home foreclosure. 

You cannot put up a defense just to put off the inevitable, but with time as a side-effect of a foreclosure defense, you have the chance to pursue an alternative, such as mortgage modification or short sale.

RealtyTrac is reporting January 2014 foreclosure statistics at one out of every 346 housing units statewide.  Flagler County is in the top five counties in Florida for foreclosures, with one in every 204.  The rest of our area looks like this:

Clay County – one in every 242

Duval County – one in every 437

Putnam County – one in every 459

St. Johns County – one in every 529

Regardless of where you live, if you are in a state of home foreclosure, seek competent legal counsel to learn more about what legal choices may be available to you.