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| The Terramar Team ___________________________ (239) 498-6885 Al@AlBailleres.com |
| Al Baillères (“Bailler”) Consultant |
CREDIT SCORE IMPROVEMENT
We understand that everyone's credit report and financial situation is unique,
which is why we offer comprehensive, personalized, and proven credit repair
programs that get results. SIGN UP is easy and only takes a few minutes.
In a hurry? - we will expedite your case in every possible way throughout the process.
(239) 498-6885
------------------------------------------------------------------------------------------------------------------------
FORECLOSURE PROTECTORS
If you’re a homeowner facing imminent foreclosure, you have options. Your situation
is not hopeless! But time is critical; fees and interest are accumulating daily.
The sooner you contact us, the more options are available to you . . .
The Terramar Team provides a solution for all parties concerned.
SIGN UP for a no-cost, comprehensive review.
Don’t delay — Contact us today (239) 498-6885 / EMail
Meanwhile, here are some answers to the most commonly asked questions . . .
How much time do I have?
Time depends on your situation. The best thing to do is to let us assess your
circumstances and evaluate your options immediately so that time doesn't limit your choices.
Can I keep my house?
We will explore and pursue every avenue to assist you in keeping your home. Most of our
clients are able to keep their homes. Some choose to sell, which we can also assist you with.
Can I get cash to pay bills?
The Terramar Team has options to offer you that will give you cash
in 14 days.
Will I be able to get a new mortgage?
We have 19-year-seasoned correspondent relationships with institutional subprime wholesale
mortgage lenders as well as with aggressive private hard money lenders who specialize in
funding unconventional borrowers that, depending on your situation, have refinancing options
to offer you. The Terramar Team can also assist you in repairing your credit.
Can the auction of my home be stopped?
We can stop your auction in 24 hours.
Will you negotiate with my bank and creditors?
Yes, one of the services that The Terramar Team provides to our clients is negotiation with
banks and other creditors.
How can I get cash for my house?
Depending on your situation, we have options to offer you that will give you cash quickly.
Am I going to be evicted, will I be put out on the street?
Time is of the essence! The most important thing to do is to contact our office so the Terramar
Team can evaluate your situation and start working for you!
How is The Terramar Team different?
We offer you personalized service. The Terramar Team will develop a plan for each individual
situation and set of circumstances. We want our clients to know all of their options and make
informed choices. The Terramar Team wants you to understand that foreclosure and the loss
of your home is not your only option. Our One Source Consulting Consortium, inclusive of
Credit Repair, Mortgage Investment & Funding, Real Estate Investment & Sales, and
Closing & Title Insurance services, provides the Terramar Team incomparable strength
at your disposal for your protection.
APPLY NOW. Our foreclosure specialists can help you find the right solution for you! Call us
for a no-cost review.
We understand that everyone's credit report and financial situation is unique,
which is why we offer comprehensive, personalized, and proven credit repair
programs that get results. SIGN UP is easy and only takes a few minutes.
In a hurry? - we will expedite your case in every possible way throughout the process.
(239) 498-6885
------------------------------------------------------------------------------------------------------------------------
FORECLOSURE PROTECTORS
If you’re a homeowner facing imminent foreclosure, you have options. Your situation
is not hopeless! But time is critical; fees and interest are accumulating daily.
The sooner you contact us, the more options are available to you . . .
The Terramar Team provides a solution for all parties concerned.
SIGN UP for a no-cost, comprehensive review.
Don’t delay — Contact us today (239) 498-6885 / EMail
Meanwhile, here are some answers to the most commonly asked questions . . .
How much time do I have?
Time depends on your situation. The best thing to do is to let us assess your
circumstances and evaluate your options immediately so that time doesn't limit your choices.
Can I keep my house?
We will explore and pursue every avenue to assist you in keeping your home. Most of our
clients are able to keep their homes. Some choose to sell, which we can also assist you with.
Can I get cash to pay bills?
The Terramar Team has options to offer you that will give you cash
in 14 days.
Will I be able to get a new mortgage?
We have 19-year-seasoned correspondent relationships with institutional subprime wholesale
mortgage lenders as well as with aggressive private hard money lenders who specialize in
funding unconventional borrowers that, depending on your situation, have refinancing options
to offer you. The Terramar Team can also assist you in repairing your credit.
Can the auction of my home be stopped?
We can stop your auction in 24 hours.
Will you negotiate with my bank and creditors?
Yes, one of the services that The Terramar Team provides to our clients is negotiation with
banks and other creditors.
How can I get cash for my house?
Depending on your situation, we have options to offer you that will give you cash quickly.
Am I going to be evicted, will I be put out on the street?
Time is of the essence! The most important thing to do is to contact our office so the Terramar
Team can evaluate your situation and start working for you!
How is The Terramar Team different?
We offer you personalized service. The Terramar Team will develop a plan for each individual
situation and set of circumstances. We want our clients to know all of their options and make
informed choices. The Terramar Team wants you to understand that foreclosure and the loss
of your home is not your only option. Our One Source Consulting Consortium, inclusive of
Credit Repair, Mortgage Investment & Funding, Real Estate Investment & Sales, and
Closing & Title Insurance services, provides the Terramar Team incomparable strength
at your disposal for your protection.
APPLY NOW. Our foreclosure specialists can help you find the right solution for you! Call us
for a no-cost review.
| Al Baillères Consultant: |
| Tel: (239) 498-6885 |
WE BUY NOTES*! If you have a real estate note to sell we want to hear from you. Please e-mail us at Al@AlBailleres.com to request a submission worksheet for you to complete. Once received, we will review and respond quickly. *We buy first, second or third position performing or non-performing notes. |
WE SOLVE PROBLEMS! Our goal is to help people get into properties they want or to help people get out of properties they either don't want or can no longer keep. If you or someone you know are facing hardship related to a property, don't wait, call us NOW!. We can often STOP foreclosures in 72 hours! |
Florida Foreclosure Procedure
Use the following foreclosure process to develop a definite plan of action with well-timed, well-
informed steps, so you can stop the foreclosure process and save your home!
The Process
In Florida, mortgages must be foreclosed by filing a lawsuit in court. As in any lawsuit, the borrower
must be served with notice of the lawsuit and must be given an opportunity to appear and defend
his or her rights. The lender will try to show that the borrower is in default, and that foreclosure is
therefore necessary under Florida equity law. Florida is unusual in that the legislature has passed
very few statues regulating foreclosures. Most of the law on the subject of foreclosures in Florida is
found scattered in dozens of cases. The basic statue, chapter 702.01 reads as follows:
All mortgages shall be foreclosed in equity. In a mortgage foreclosure . . .
action, the court shall server for separate trial all counterclaims against the foreclosing mortgage.
The foreclosure claim shall, if tried be tried to the court without a jury.
Counterclaims by a borrower may be tried to a jury, but they must be tried separately from the main
foreclosure lawsuit.
In Florida because the lawsuit to foreclose on a borrower is a suit in equity, it is impossible to obtain
an injunction to stop what is, in essence, a court ordered sale. In addition, the court can order the
sale at a low price. A sale can be set aside if there is an error in the procedure to foreclose;
however, it cannot be set aside due to the low sale price. The court order commanding foreclosure
will specify how the foreclosure must take place, and the foreclosure must take place on those
terms.
After the sale takes place, the sale terms must be confirmed by the court that ordered the sale. If
the terms of the sale order are met, title in the buyer’s name can become complete by filing a
certificate of title. At the discretion of the court, junior lien holders can redeem the property, up to
the time of the confirmation of the sale. The equity of redemption is cut off when the sale is
confirmed, but it exists prior to that time, which means the borrower can save the property from
foreclosure by coming up with the money before confirmation.
Deficiency
A separate action for a deficiency must be filed within four years after the foreclosure sale.
Use the following foreclosure process to develop a definite plan of action with well-timed, well-
informed steps, so you can stop the foreclosure process and save your home!
The Process
In Florida, mortgages must be foreclosed by filing a lawsuit in court. As in any lawsuit, the borrower
must be served with notice of the lawsuit and must be given an opportunity to appear and defend
his or her rights. The lender will try to show that the borrower is in default, and that foreclosure is
therefore necessary under Florida equity law. Florida is unusual in that the legislature has passed
very few statues regulating foreclosures. Most of the law on the subject of foreclosures in Florida is
found scattered in dozens of cases. The basic statue, chapter 702.01 reads as follows:
All mortgages shall be foreclosed in equity. In a mortgage foreclosure . . .
action, the court shall server for separate trial all counterclaims against the foreclosing mortgage.
The foreclosure claim shall, if tried be tried to the court without a jury.
Counterclaims by a borrower may be tried to a jury, but they must be tried separately from the main
foreclosure lawsuit.
In Florida because the lawsuit to foreclose on a borrower is a suit in equity, it is impossible to obtain
an injunction to stop what is, in essence, a court ordered sale. In addition, the court can order the
sale at a low price. A sale can be set aside if there is an error in the procedure to foreclose;
however, it cannot be set aside due to the low sale price. The court order commanding foreclosure
will specify how the foreclosure must take place, and the foreclosure must take place on those
terms.
After the sale takes place, the sale terms must be confirmed by the court that ordered the sale. If
the terms of the sale order are met, title in the buyer’s name can become complete by filing a
certificate of title. At the discretion of the court, junior lien holders can redeem the property, up to
the time of the confirmation of the sale. The equity of redemption is cut off when the sale is
confirmed, but it exists prior to that time, which means the borrower can save the property from
foreclosure by coming up with the money before confirmation.
Deficiency
A separate action for a deficiency must be filed within four years after the foreclosure sale.
