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| Foreclosure Laws This section is dedicated to the various foreclosure laws to help you understand the legal process. |
This is a discussion on Florida district court rulings --- may help somebody within the Foreclosure Laws forums, part of the Foreclosure Forum category; Found this on Florida bar web site... maybe it can be of useful information to some. Summary of Current (3/25/09) ...
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Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Florida district court rulings --- may help somebody Found this on Florida bar web site... maybe it can be of useful information to some. Summary of Current (3/25/09) Administrative Orders: 1st Circuit, Escambia, Santa Rosa, Okaloosa and Walton Counties – Effective March 17, 2009 with implementation on April 1, 2009, all owner occupied residential foreclosure actions must file Form "A" with the action providing among others things a lender representative with the authority to settle. This form shall go immediately to Managed Mediation with the Collins Center. Unless the parties stipulate in writing to the use of an alternate mediator, the parties and the presiding judge are deemed to have stipulated to referral of the mediation to the Collins Center. All Plaintiffs must file a copy of the promissory note, mortgage and any pooling and servicing agreement that may affect the plaintiff's ability to settle. Plaintiff must pay the nonrefundable managed mediation fee of $750. Defendants will be given a list of HUD and National Foreclosure Mitigation Counseling Program counselors who can assist the defendant in preparing for the mediation. A representative of the counseling agency may accompany the defendant to the mediation. If defendant hires an attorney, the attorney must file a notice of appearance. The appearance may be limited to the mediation only. Includes a Borrowers Financial Information form that the Collins Center may require, along with other documents from the borrower. (See 19th Circuit) 4th Circuit, Duval County – Requires that for all foreclosures filed in Duval County a copy of "Notice of Legal Assistance Regarding Foreclosure Cases" be attached. Gives the number for JALA on the Notice. Dated June 8, 2008. 4th Circuit, Nassau County – Effective July 7, 2008, no foreclosures may be heard with either party appearing by telephone. 6th Circuit, Pasco and Pinellas Counties – Effective January 19, 2009 all foreclosures on homesteads by institutional lenders must include the Foreclosure Judgment Packet – notice with information to homeowner, lender contact information, certificate of compliance with procedures (plaintiff must indicate information about the original note), Uniform Final Judgment. 7th Circuit, St. Johns County – Effective November 12, 2008, notice of legal assistance served with summons. 9th Circuit, Orange and Osceola Counties – Effective May 1, 2008 no telephone hearings in foreclosure cases. 9th Circuit, Orange and Osceola Counties – Effective February 25, 2009 at option of the court a foreclosure case may be referred for mediation. At time Plaintiff/lender files TO PROMOTE THE PROVISION OF CIVIL LEGAL ASSISTANCE TO INDIGENT PERSONS AN EQUAL OPPORTUNITY EMPLOYER 2425 TORREYA DRIVE TALLAHASSEE, FL 32303 2425 TORREYA DRIVE TALLAHASSEE, FL 32303 - PHONE: 850.385.7900 - FAX: 850.385.9998 foreclosure, Defendant/homeowner must be served with a form Notice providing lender contact info for loan workout department and notice of homeowner's right to mediation. Orange County Bar provides a list of certified mediators. Plaintiff pays cost of mediation at $275 for 2 hours and $100 hour thereafter, with one half of the cost recoverable. 12th Circuit, Desoto, Sarasota and Manatee Counties – Effective December 1, 2008 orders and forms for new foreclosure procedures (still in draft form and allow for public comments). -Requires a Circuit Foreclosure Liaison be appointed by each party as the court's point of contact; -Creates the Homestead Foreclosure Conciliation Program (HFCP). This is not mediation but requires lenders to schedule a phone conference with homestead owners. Lender's attorney must certify the conference was at least attempted. Pro bono attorneys make a limited appearance. -Legal aid contact information is provided. 12th Circuit, Desoto, Sarasota and Manatee Counties – Effective March 9, 2009 no telephonic appearances in mortgage foreclosure cases. 14th Circuit, Bay County, the Honorable Michael Overstreet's court – Effective February 1, 2009, no telephonic appearance at mortgage foreclosure hearings and original note and mortgage to be attached. 15th Circuit, Palm Beach County – Effective November 1, 2008 if a borrower wishes to modify their loan, they must complete the Defendant's Foreclosure Questionnaire provided a financial affidavit, 2 years of tax returns, 3 months of pay stubs and proof of living in the property. Lender must process request and respond. Borrower may also request a short sale by providing lender's attorney the sales contract, HUD 1 statement, real estate agent contacts. Mediation may then be ordered by the court upon request by either party. 17th Circuit, Broward County, The Honorable David Krathen division – Effective January 17, 2009, Judge Krathen issued an order requiring all mortgage foreclosure cases in his division complete a notarized form verifying among other things that the original note is filed or that a lost note affidavit is included and has been executed by an officer of the institution who has authority to bind the plaintiff. 18th Circuit, Brevard County – Effective February 9, 2009 if a responsive pleading seeking relief is filed by any Defendant then the case is referred to mediation before final or summary judgment hearing. Plaintiff may schedule mediation through the Supreme Court Certified Civil Mediator or the Brevard Civil Mediation Department. If the mediation department is used the fee is $250 paid in advance for 1.5 hours. If the matter is not resolved the fee may be added as a cost to the final judgment. A mediation agenda is provided with options: repayment; home saver advance under Fannie Mae; forbearance; modification; sale; deed in lieu; consent judgment; reverse mortgage. A TO PROMOTE THE PROVISION OF CIVIL LEGAL ASSISTANCE TO INDIGENT PERSONS AN EQUAL OPPORTUNITY EMPLOYER 2425 TORREYA DRIVE TALLAHASSEE, FL 32303 2425 TORREYA DRIVE TALLAHASSEE, FL 32303 - PHONE: 850.385.7900 - FAX: 850.385.9998 representative with authority to settle for Plaintiff must be available, but can appear by phone. 18th Circuit, Seminole County – Effective January 29, 2009 if a responsive pleading seeking relief is filed by any Defendant then the case is referred to mediation before final or summary judgment hearing. Plaintiff may schedule mediation through the Supreme Court Certified Civil Mediator or the Seminole County Court Mediation Department. If the mediation department is used the fee is $250 paid in advance for 1.5 hours. If the matter is not resolved the fee may be added as a cost to the final judgment. A representative with authority to settle for Plaintiff must be available, but can appear by phone. 19th Circuit, Indian River, Martin, Okeechobee and St. Lucie Counties – Effective March 13, 2009 all owner occupied residential foreclosure actions must file Form "A" with the action providing among others things a lender representative with the authority to settle. This form shall go immediately to Managed Mediation with the Collins Center. Plaintiff must also file a copy of the promissory note, mortgage and any pooling and servicing agreement that may affect the plaintiff's ability to settle. Plaintiff must pay the nonrefundable managed mediation fee of $750. Defendants will be given a list of HUD and National Foreclosure Mitigation Counseling Program counselors who can assist the defendant in preparing for the mediation. A representative of the counseling agency may accompany the defendant to the mediation. If defendant gets a legal aid or pro bono attorney, the attorney may file a limited notice of representation only through the conclusion of the mediation process. Includes a Borrowers Financial Information form that the Collins Center may require along with other documents. (See 1st Circuit) Supreme Court of Florida – Dated March 9, 2009 Administrative Order creating a statewide taskforce to report and recommend to the court a system of mediation or other alternate dispute resolution efforts that would protect the rights of the homeowners and lenders. Interim report due by May 8, 2009. Final report due no later than August 15, 2009 Collin Center proposal – Managed Mediation (using an independent professional mediator paid by the Collins Center) would require court orders requiring participation by the lender in the program; lender provides an individual with authority to settle before the foreclosure proceeding; lenders would pay the costs. (Proposes a statewide process with an initial pilot project.) |
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