A foreclosure case was filed. You have more time than the letters suggest.

Why you are suddenly getting post from strangers

When a lender starts a foreclosure it records a lis pendens — a public notice that a lawsuit affecting the property has been filed. It is public the moment it is recorded, and a whole industry watches that feed. That is the only reason the letters arrived. Nobody told them anything about you personally.

We will be straight with you: that is how we would find you too. The difference we are offering is a plain conversation rather than a scare letter.

What the clock actually looks like

Filing is the beginning, not the end. The case is litigated, and only then does the court enter a judgment and set a sale date. Under Florida Statute 45.0315 the right to redeem runs until the later of the clerk filing the certificate of sale, or the date stated in the judgment — and after that point the statute says there is no other right of redemption.

The practical takeaway: the clerk usually files that certificate quickly after the auction, so treat the sale date as the real deadline rather than hoping for room afterwards.

We are not lawyers and this is not legal advice. Deadlines in your case come from your judgment and your file. A foreclosure defence attorney, or the free HUD-approved housing counsellors, will read it with you.

The honest version of your options

Reinstate or modify. If you can catch up or restructure, that beats everything here. Talk to the lender's loss mitigation department and to a HUD-approved counsellor first.

Sell, if you have equity. A sale that pays the loan off ends the case and protects your credit far better than a judgment does. This is where we are genuinely useful — we can often close inside the window.

Short sale, if you do not. If the debt exceeds the value, any sale needs the lender's written agreement. That takes time you may not have, and no honest buyer can promise you a lender's answer. Anyone who does is guessing.