Experienced Representation in Brevard County
Florida is a judicial foreclosure state, meaning all foreclosures must proceed through court litigation. Attorney James E. Orth Jr. represents private lenders and individual noteholders enforcing promissory notes and mortgages, as well as property owners and borrowers seeking foreclosure defense and settlement workouts (our firm does not represent institutional big banks).
How We Assist Our Clients
Private Lender Foreclosure
Enforcing mortgage liens, accelerating debt notes, obtaining final summary judgments, and scheduling judicial foreclosure auctions for private investors.
Borrower Foreclosure Defense
Challenging improper notice of default, standing defects, loan accounting errors, and asserting procedural defenses on behalf of property owners.
Loan Modifications & Workouts
Negotiating deed-in-lieu agreements, forbearance terms, and private loan restructuring between lenders and borrowers.
Surplus Funds Recovery
Assisting prior owners in claiming excess proceeds following a foreclosure auction sale.
Frequently Asked Questions
Does your firm represent national banks?
No. Our foreclosure practice focuses specifically on private lenders, hard-money investors, individual mortgage holders, and property owners/borrowers.
How much time do I have to respond to a foreclosure summons in Florida?
In Florida civil court, a borrower generally has 20 calendar days from the date of formal service of process to file a responsive pleading or answer.