Received a Notice of Default or Demand Letter
Most Florida mortgages require the lender to send a breach (or demand) letter before suing. It tells you how much is owed and gives you a deadline — usually at least 30 days — to cure the default.
What it means
This letter is not a lawsuit, and you have not been foreclosed on. It is a warning and a window of time to act.
What to do
- Keep the letter and the envelope with the postmark.
- Note the cure amount and the deadline.
- Submit a complete loss mitigation application as soon as possible.
- Explore whether reinstatement, a modification, or a sale fits best.
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