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3 Alternative Solutions to a Miami Foreclosure

Foreclosure in Miami FL

Facing the potential loss of your home can be overwhelming. This is something that can create lots of stress in your life and the possibility of a foreclosure is inevitable to cause you anxiety. However, you may have other alternatives that can be financially helpful in a difficult time. Just because you can’t make the current mortgage payment doesn’t mean that you have to lose your home. It’s ideal to consult with a Miami foreclosure lawyer that will provide you with legal advice that you may find extremely useful at this time.

Solution #1: Refinance

If you have a positive track record with your lender and a good credit rating, you may be capable of refinancing your home. This can potentially allow your monthly mortgage payments to decrease if you can be guaranteed a lower interest rate than what you currently have.

Mortgage refinancing can be complicated, and you’ll want to know this in advance. In order for you to have been successful in your goal of lowering your monthly mortgage payment, your Miami foreclosure lawyer will recommend that you meet the requirements below:

  1. You have built up some equity in your home, and most lenders suggest this is at least 5%.
  2. You should have an excellent credit history and a high credit score.
  3. You will need to fill out a loan application even if you’re only refinancing.
  4. In many states, you will need to have a professional appraisal of your property.

Solution #2: Bankruptcy

Your foreclosure defense attorney in Miami may recommend that you file for bankruptcy instead of getting into a foreclosure situation. Keep in mind that you will have to meet many requirements and one of these includes passing the means test. This will indicate to all of your lenders that your income is less than your expenses.

However, keep in mind that being successful in filing for bankruptcy will cause your credit score to drop significantly and this can take years to rebuild. Many homeowners that are faced with a challenging time still feel that this may be the ideal solution when house payments simply can’t be made any longer.

Solution #3: Rent

You may be able to find a much cheaper place to live and hold on to your house. This may seem complicated, but it’s not. Simply find a tenant to rent your home and this will all you all of your mortgage payments to be made for you.

Being a landlord for a specific amount of time can prevent you from receiving a letter of default from you lender when you have missed a payment or more. Just be sure to have a rental contract in place to protect your best interests at all times.

You don’t have to give up your home and all that you’ve spent your life working towards having. Take the time to look at other alternatives and meet with a Miami, FL foreclosure lawyer to help you make the right choice today!

Things to Consider Before Hiring a Family Lawyer

A family lawyer is a professional who represents his/her clients in matters related to family disputes. Family disputes usually range from child custody, separation, and divorce as well as property issues. A good family lawyer is usually skilled and highly experienced in handling family issues as he/she has a great understanding of the family law.

If you are facing some family problems which you and your family members or partner can’t seem to solve amicably, it’s advisable to hire a qualified family lawyer. In this case, you will want to hire the best lawyer in town to get the best possible representation in court.

Check out some of the things to consider before hiring a family lawyer.

Tips to Check when Hiring a Family Lawyer

Lawyer’s Level of Experience

Just like any other profession, the experience is crucial in the law field. A family lawyer who has only been in the industry for a few months may not have a good experience in handling family cases. On the other hand, a lawyer with more than 10 years experience is worth his salt. He has gained a lot of experience along the way and is typically familiar with cases similar to yours.

Only hire a family lawyer who has at least 3 years experience.

Area of Specialization

Does the lawyer practice exclusively in family law or is it one of his many practice areas? Well, the lawyer’s area of specialization is an important consideration when looking to hire one to represent you. This is because, in most firms, you’ll find many lawyers offering a wide range of legal services, with family law included.

Hire a lawyer who specifically specializes in family law, nothing else. This will ensure that he gives his best shot and more attention to your case.

Educational Qualifications

Most people often overlook the education qualifications of a lawyer when hiring, only to find out later that they never actually graduated from law school. Of course, such lawyers are incompetent and have fewer skills compared to those who possess education qualifications.

In this case, it’s important to hire a family lawyer who has all the necessary education certifications. The lawyer must be accredited by the American Board of Certification and also meet substantial requirements in the American Bar Association. Only a hire lawyer from a reputable firm to avoid falling into the hands of crooks.


To ensure that you’re dealing with a legal professional, check to ensure that the lawyer has the necessary licensing certifications.

Consider Checking the References

One way to hire a qualified and skilled family lawyer is to ask him/her for references. These are previous clients whom he has represented successfully in the past. By checking out his references, you’ll be assured of success in your case.

Legal Fees

Before hiring a family lawyer, get a quote on the overall cost of your particular family case. Different family lawyers charge different hourly rates. You wouldn’t want to be surprised with inflated hourly rates after signing the contract.

Do your research to get the cheapest possible fee while keeping in mind the skills and qualifications of the lawyer. The fee should be reasonable depending on your situation- whether it’s a divorce case or child custody.


During your consultation with the lawyer, you will be required, be honest, and disclose sensitive information about your family issues. Providing as much information as possible to the lawyer will help him/her when performing research on your case. However, if you the lawyer cannot keep the information private and confidential, this might breach your agreement with him.

Because not all lawyers are trustworthy, make sure that you hire the best. In this case, consider getting recommendations from friends, family, and colleagues. A good lawyer will keep each single detail about your case private and secure.

Good Communication

A good lawyer must have excellent communication skills to allow him/her discuss family law issues with his clients. He/she must answer every question you have and also discuss the procedure of the case.

Lawyer Availability

If the lawyer has other clients lined up, then he may not be able to devote his time to your family case fully. Consider hiring one whose hands are not full.

The thought of hiring a family lawyer can be a little bit overwhelming and intimidating, especially when there is pressure resulting from the family disputes. Hiring a good lawyer will ensure the best possible outcome for your family issues.