If you missed the game on Saturday, so did Georgia.  What Florida lacks in kudzu they made up for in score.

The Florida-Georgia rivalry has historic roots, dating back to the colonial days.  When Florida was a Spanish colony, it used to scrimmage with its British neighbor to the north.  When Florida was a British colony, it dealt with raids from Georgia during the American Revolution.  Though these two neighboring states are now part of the same country, they still have their differences, and it goes beyond football.

Georgia has non-judicial foreclosure, which means the lender can give notice, publish, and foreclose within 60 days with only the clerk and an attorney, no judge present.

In Georgia, if you use a loan to buy a house, the bank owns that house until you pay off the loan; whereas, in Florida, you are the homeowner even if you borrowed money to buy the house, and even if you are unable to make the payments and the house goes into foreclosure…you still own it.  You own your home up until the Certificate of Title is issued (usually about ten days after the foreclosure sale).  For the homeowner who does not really care, non-judicial foreclosure ends the foreclosure quickly.  The problem is that there are people who do care, but who do not know any better.

In Florida, the homeowner has a better opportunity to defend against a foreclosure and seek an alternative (like short sale or mortgage modification).  Seek competent legal counsel if you are facing foreclosure, and learn what legal choices may be available to you.