About NEW BEGINNINGS TRUSTEE, LLC
NO ATTORNEY--NO PROBLEM
Florida is a Judicial Foreclosure State. This means the mortgage company or Bank is required to get approval from the court before they can proceed with the foreclosure process. The Bank or Mortgage Company has to prove its case against you.
You can defend your foreclosure by yourself, its called “pro se”. An attorney is not required, although preferable.
The first and probably the most important factor you need to address is your Answer to the foreclosure complaint that was filed and served upon you with a Summons by a Process Server. Your Answer is the foundation to your case and prevents a the Plaintiff from quickly moving forward to evict you from your home. In some cases there may be defenses ( called Affirmative Defenses) that may prevent the Court ruling in the Bank’s favor.
Learn more with a free No Obligation phone call to our office. (954-600-4871) Time is important because as it clearly states you only have 20 calendar days (that includes weekends) to respond to the lawsuit. (See your Summons for more information)
SURPLUS FUNDS
When you lose your case in a foreclosure lawsuit your property is sold at auction. Often times, the property will sell at auction for more money than you owed on it! This additional money is called “surplus”, and you or your heirs are legally entitled to this money! The Bank and the Courts don’t advise of this legal fact.
We at New Beginnings fight to get you back that money. Even if you have other debts, or declared bankruptcy, this money is still your money and we will fight for you. We represent your best interests, working on a contingency fee only basis; if we are not able to get you back any money then you will not pay us anything at all.
CASH ADVANCES for moving and other expenses are available to qualified clients.
954-600-4871
ONE CALL DOES IT ALL—YOU HAVE NOTHING TO LOSE (EXCEPT MONEY THAT IS RIGHTFULLY YOURS)
You must act quickly according to applicable State and Local Laws because obtaining a Surplus is a time-sensitive matter.
ZOMBIE MORTGAGES
“Zombie” mortgages are mortgage debts that you might have thought were forgiven or satisfied long ago but that still exist.
Old debts can be written off by the lender and sold for pennies on the dollar to debt collectors. Sometimes the mortgage company goes silent and stops sending statements or communicating with you altogether. Years later, a debt collector or the lending institution reaches out to collect on the debt. Because these mortgages seem to reappear after being considered “dead” or gone for so long, they’re sometimes called “zombie” second mortgages.
Zombie mortgages are second mortgages (home equity loans, "piggyback" loans or home equity lines of credit) that were supposedly resolved long ago – either forgiven, modified or discharged in bankruptcy. But now, debt collectors are surfacing and claiming that they have the right to collect this debt and the right to foreclose and take the property if the debt isn't paid.
Don't ignore a zombie mortgage!
CALL US FOR MORE INFO
954-600-4871
We Buy Distressed Properties and Non-Owner Occupied Properties
By selling your property before the Court does will save you time and money and further damage to your credit.
The ideal time to sell your property is NOW, before the housing market takes another downward turn.
For people/Trustees that do not occupy the property, we can eliminate the headaches of repairs, rent collection and evictions. Eliminate the ever increasing real estate taxes, home owners insurance rates and HOA/COA constantly rising costs & fees.
During these difficult times the last thing you need is more stress and anxiety.
Our Expertise
Our team of experienced real estate professionals are well-versed in all areas of real estate law, including property transactions, land use and zoning, and landlord-tenant disputes.
Client-Centered Approach
At New Beginnings Trustee, we prioritize our clients' needs and work closely with them to achieve their desired outcomes. We understand that each client's situation is unique and requires a personalized approach.
Don't Be Fooled
There are many scams and scam artists out there. Don't be fooled by people that appear at your door uninvited and unannounced, Short Sale scammers, high-priced offers, non-lawyers offering you legal advice or mortgage brokers offering to re-finance your property.
Time Is Not Your Friend
The Florida Supreme Court has issued an Administrative Order to streamline and speed up the judicial process of foreclosure. Under those guidelines your foreclosure could be completed within 90 days from the day you are served.
NO, NO, NO, NO, NO
No Real Estate agent Commissions, No Repairs, No Permits, No Closing Costs, No Legal Fees, No Credit Checks and No Bull@#$&.
We Make The Process Easy
During these difficult times the last thing you need is more stress and anxiety. That why we make the selling process simple and painless. Most of the paperwork can be delivered to you by email and we can arrange to have it picked up and delivered to us, without you ever having to leave the house. All forms are State approved standard forms in plain simple language.
Bankruptcy
The Bankruptcy alternative is not for everyone. If you go to a bankruptcy attorney, find out ALL the costs you will be responsible for for the next 3-5 years. In a Chapter 13 your monthly payments will be much higher than your mortgage payments were. See our FREE Bankruptcy Calculator at https://www.alllaw.com/articles/nolo/bankruptcy/chapter-13-plan-payment-calculator.html
OTHER OPTIONS
There are other options to foreclosure you should be aware of :
Deed in Lieu- This option basically gives the mortgage company your home voluntarily in full without any money paid to you. They become the title holder/owner of the property.
Repayment- This requires you to pay all arrears and all costs IN FULL all at once thus stopping the foreclosure.
Loan Modification - This will add your arrears to the loan balance and increase your monthly payments. This does not eliminate the foreclosure until fully paid.