🏡 “I thought I had more time… until the foreclosure papers hit my doorstep.”
If you’re falling behind on your mortgage in Fort Myers, Boynton Beach, Fort Lauderdale, or Boca Raton, you’re not alone—and you’re not out of options.
At Wallace Law, we’ve helped hundreds of Florida families pull back from the brink of foreclosure, often just days before losing everything. If you’re scared, overwhelmed, or feeling hopeless, take a breath—we’re going to show you exactly what you can do right now to protect your home.
🚨 1. Loan Modification: The Relief You Didn’t Know You Could Ask For
Imagine this:
You’re behind by $14,000. Your lender’s calling nonstop. You’re sleeping with one eye on the mailbox. Then—your loan gets modified. Your payment drops by $600 a month, and the foreclosure case is dropped.
That’s not a fantasy. We’ve made it happen for clients in Boynton Beach, Boca, and beyond.
The secret:
Lenders say no more often than yes—unless you know how to ask the right way, at the right time. We do.
✅ Lower payments
✅ Pause collections
✅ Keep your home without court intervention
⛔ 2. Chapter 13 Bankruptcy: The Legal Shield That Stops Foreclosure Cold
If the foreclosure sale is already scheduled, you may feel like it’s game over. But Chapter 13 bankruptcy puts an instant legal force field around your home—the moment we file.
We’ve stopped foreclosure auctions in Fort Myers just hours before the gavel dropped. Chapter 13 gives you time—3 to 5 years—to catch up while keeping your house.
✅ Stops foreclosure the same day
✅ No more threatening letters or calls
✅ Protects your equity and your dignity
“We filed at 10:30 AM. Their home was scheduled for sale at noon. We saved it.” — Wallace Law
🏃♂️ 3. Short Sale or Deed in Lieu: If You Have to Let Go, Do It On Your Terms
Sometimes, walking away is the smartest financial move. But how you walk away matters.
Without guidance, you could:
- Still owe tens of thousands after the sale
- Get hit with a huge tax bill
- End up with a foreclosure on your credit report for 7 years
We help clients in Fort Lauderdale and Boca Raton negotiate clean exits, so they can start fresh without lasting damage.
✅ No foreclosure
✅ No surprise taxes
✅ No creditor harassment
💔 Real People. Real Homes. Real Consequences.
We’ve seen:
- A single mother in Boynton Beach save her home three days before the sale
- A retired couple in Fort Myers stop foreclosure and eliminate $85K in arrears
- A young family in Boca Raton walk away from a crushing mortgage with nothing owed
“I couldn’t sleep. I felt like a failure. Wallace Law treated me like a person, not a case number—and they saved my house.”
🧠 Don’t Let Shame or Fear Make This Worse
Most people wait too long because they feel embarrassed or frozen. That delay can cost you your home, your credit, and your peace of mind.
This isn’t your fault—and it’s not too late.
📞 Call Wallace Law Before the Clock Runs Out
We serve clients in:
- Boynton Beach
- Fort Myers
- Fort Lauderdale
- Boca Raton
Let’s talk—confidentially, without judgment, and with a plan.
📍 Schedule your free 15-minute legal lifeline call now
📞 Fort Myers: (239) 789-4999
📞 Palm Beach County (Boynton Beach and Boca Raton): (561) 400-3896
📞 Fort Lauderdale: (754) XXX-XXXX
Or click here to request help online