If you have been served the initial foreclosure paperwork from the bank, it is very important that you respond to the summons within the twenty day time period from the date of being served. While they are not permitted to provide you with legal advice, the bank's attorneys should talk to you even though you don't have an attorney. Many foreclosure attorneys offer a free initial consultation and may be able to guide you through the process.
It would be a good idea to contact a Florida licensed real estate attorney. Do not stop making your mortgage payments as this will adversely impact your credit score. A real estate attorney will be able to assist you in resolving the situation.