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Foreclosure Defense Florida


Paragraph 22 of almost every mortgage contains a provision that requires the plaintiff to provide notice and an opportunity to cure the default prior to foreclosure.   The principle behind this paragraph and the right to cure is not just a helpful little piece for the defendant, the default and cure provisions recited are an essential element of the entire legal process of foreclosure, deeply rooted in our American Jurisprudence.   This is a subject that is discussed in some length in the recent Cardozo Law Review Article on Foreclosures.   (Click through here to read the law review article.)

That’s all some deep stuff, but here’s where the rubber behind all that hits the road…in an opinion just released today…..

Under Florida law, contracts are construed in accordance with their plain language, as bargained for by the parties. Auto-Owners Ins. Co. v. Anderson, 756 So. 2d 29, 34 (Fla. 2000). Further, Busey did not refute Konsulian’s defenses nor did it establish that Konsulian’s defenses were legally insufficient. Because Busey did not prove that it met the conditions precedent to filing for foreclosure, it failed to meet its burden, and it is not entitled to judgment as a matter of law.

In addition to being prematurely filed, Konsulian claims that the acceleration letter failed to state the default as required by the
mortgage terms. We agree and reverse.

Now there are default letters floating all around in Foreclosureland, but I doubt that many of them comply with the express terms of the contract the banks created…..