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THE TOP 5 THINGS YOU NEED TO KNOW IF YOU HAVE BEEN NOTIFIED OF FORECLOSURE IN TAMPA BAY, FLORIDA.
1. You only have 20 calendar days to respond to a foreclosure lawsuit. If you do not respond within 20 calendar days of being served, you risk losing your case by default.
2. If you have been served with a foreclosure lawsuit, do not call the bank. Call a foreclosure defense lawyer.
3. Your written response to the lawsuit must raise legally sound defenses to the foreclosure or you can waive your defenses. Do not simply write a letter explaining your hardship.
4. There are defenses available to you besides payment. Banks are required to provide you with certain notices prior to suing you and the bank must prove it has the rights to the Note. There are also certain certifications that must be in compliance with the law. There are other defenses available as well. Just like any other lawsuit, the bank must prove its case. A good foreclosure defense lawyer will make the bank prove its case.
5. If you have been served with foreclosure papers you need to focus on the Court case. Do not call the bank and if you have already done so, do not listen to what they tell you. Remember – the bank is suing you. The bank is not your friend. Keep your focus on the litigation, which is what is taking place in Court. This is how you fight the bank and keep you and your family in your home. The folks at the bank do not understand litigation and are not lawyers.
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Call for FREE Advice. Call Torrens Law Group at. Serving all of Tampa Bay, Florida.
Our law firm is dedicated to protecting the legal rights of the consumers of the Tampa Bay area. We represent homeowners against lender foreclosure actions and represent debtors in Chapter 7 and Chapter 13 bankruptcy cases. We also zealously represent consumers against abusive debt collectors, and will initiate actions against creditors for violations of both federal and state consumer protection laws.
There are many different factors to be considered when deciding how to properly defend against a foreclosure or whether seeking bankruptcy relief is the appropriate solution, making a thorough consultation with a knowledgeable consumer attorney all the more important. Here at Torrens Law Group, P.A., you will receive a thorough consultation with a consumer attorney who will advise you of your legal options and recommend a path forward.
Going through foreclosure or filing for bankruptcy can be a very stressful experience for many consumers, but at our firm an attorney will guide you through the process and will be there to address any questions or concerns you may have. With each case comes a different set of facts and we give each case the focused attention it deserves. At our firm, you will receive quality legal representation with a personal touch.
At our firm, we are able to offer payment plans for almost all of our cases. If you are in need of strong foreclosure defense or are struggling with your debts and considering seeking bankruptcy relief, please reach out to our firm at. Help is only a phone call away. Tell us about your legal issue, and a lawyer will contact you right away.
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Chat withState: Florida
Acquired: 2011
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4016 Henderson Blvd., Ste D, Tampa, FL, 33629
Showing 1 - 5 of 25 client reviews from Avvo
Posted by Anamary | September 26, 2022 | Hired Attorney
Mr. Torrens and his team are amazing. Explaining everything in detail to me so that I understood every step of the way. They kept me informed as needed which kept any stress off of me. I felt confident that they handled everything on my behalf and with my best interest in mind. I would recommend Mr T...
Posted by Mirta | September 24, 2022 | Hired Attorney
We were represented by Mr. Torrens for several years during which he debited our bank account for large amounts while doing nothing more than hurting us and the case. In the end, rather than refunding the thousands he dishonestly took from us and amending the legal mess he did and, giving us time to ...
Posted by Michael | December 23, 2020 | Hired Attorney
I received a loan modification based on Ryan’s efforts! I highly recommend Ryan as a foreclosure attorney!
Posted by Robert | November 9, 2019 | Hired Attorney
I was impressed with Mr. Torrens' knowledge and confidence, but most important, he is very effective and was successful in getting me the result I wanted in a very short period of time.
Posted by Cathleen | October 1, 2019 | Hired Attorney
Mr. Torrens took our case even though our home had just been sold at auction. We had complied with banks requests and paid the money needed to resistatement our mortgage. We paid at the last minute ( 15 minutes before auction ), the bank accepted our payment. Due to time constraints the house was ...
"Mr. Torrens is a great attorney who is willing to think outside the box to achieve the goals of his clients."
"I endorse this lawyer. Ryan is a highly respected lawyer in the consumer protection community and is a very creative lawyer when it comes to advocating for his clients."
"Ryan is an extremely hardworking and knowledgeable attorney. His professionalism and dedication to his clients is unparalleled. I highly recommend Ryan."
"I endorse this lawyer. Ryan is a knowledgable and committed attorney. He is a "go to" attorney in the community for foreclosure matters."
"Ryan Torrens is a lawyer that exemplifies the highest standards of professionalism and ethics. He is a skilled litigator and possesses the court room qualities that are essential to successful advocacy. I highly recommend Mr. Torrens as I have worked directly on many matters with him and have seen first hand the success that he brings his clients."
"Ryan is an excellent foreclosure defense attorney. He devotes significant time to achieving an in-depth knowledge of case law in a field where the law changes often. He is a persuasive litigator, a zealous advocate, and a warm, friendly person."
2012 - Present
Partner, Torrens Law Group, P.A.
2011 - Present
Florida Bar
2010
JD - Juris Doctor
2007
BA - Bachelor of Arts
2015
English