Stop Foreclosure in Florida Without Guessing Your Next Move
You'll talk to a licensed Florida REALTOR®, not a call center. Barrett Henry is a Broker Associate with 23+ years of experiencein Tampa Bay — and he'll personally walk you through every option available to you.
Free. Confidential. No pressure to sell. Just honest guidance from someone who's helped hundreds of Florida homeowners protect their homes, their credit, and their families.
Get Your Free Consultation
No cost, no obligation, confidential. No pressure to sell.
What’s Happening With Your Home?
I Got a Lis Pendens
A lis pendens means a foreclosure lawsuit has been filed. We can help you review timelines, equity, and options.
Help Me With My Lis PendensI’m Behind on Payments
Falling behind doesn’t mean you’ll lose your home. We can evaluate your options before things escalate.
I’m Behind on PaymentsI Need to Sell Before Foreclosure
Selling early can protect your equity and your credit. We’ll show you exactly what that looks like.
Can I Still Sell My House?I’m Thinking About Bankruptcy
Bankruptcy can delay foreclosure, but it’s not a magic fix. Understand the real trade-offs first.
How Bankruptcy Affects ForeclosureYou Deserve to Talk to a Real Person
You won't get a call center. You won't get a script. You'll talk directly to Barrett Henry — a licensed Florida REALTOR® and Broker Associate who has spent 23+ years helping Tampa Bay homeowners navigate exactly what you're going through.
Barrett lives in the Tampa Bay area. He knows your neighborhoods, your courthouse, and your market. He works directly with homeowners in Hillsborough, Pinellas, Pasco, Polk, Manatee, Sarasota, Citrus, and Hernando counties — and connects you with trusted partner agents everywhere else in Florida.
Your first conversation is free, confidential, and zero pressure. You'll walk away understanding your options whether you work with Barrett or not.
Barrett Henry, REALTOR®
Why Work With a Real Estate Agent Instead of Just a Counselor?
Barrett earns a commission only if you choose to sell your home — and only at closing. Every consultation, every options review, every phone call is 100% free, even if you never list with us. Unlike foreclosure attorneys ($1,500–$5,000 upfront) or settlement companies (advance fees), there is no cost to you unless Barrett sells your home. If selling isn't right for you, he'll tell you — and point you to the right HUD-approved resources.
See Your Best Options
Request a Confidential ConsultationNo cost. No obligation. Confidential. No pressure to sell.
Your Options Explained
Foreclosure is not a dead end. Florida homeowners have multiple paths forward.
Stop or Delay Foreclosure
Foreclosure Process
Step-by-step breakdown of how judicial foreclosure works in Florida.
Learn more→Foreclosure Timeline
Key dates and deadlines from first missed payment to sale.
Learn more→How to Stop Foreclosure
Proven strategies to halt or delay foreclosure proceedings.
Learn more→Bankruptcy and Foreclosure
How filing for bankruptcy interacts with the foreclosure process.
Learn more→Sell or Exit Strategically
Short Sale Guide
Sell for less than you owe with lender approval to protect your credit.
Learn more→Sell Before Foreclosure
Selling on the open market can protect your equity and keep you in control.
Learn more→Deed in Lieu
Transfer your property to the lender to avoid a full foreclosure on your record.
Learn more→Cash Offer
Explore cash offer options when speed and certainty matter most.
Learn more→Understand the Consequences
How We Help
Tell Us What Happened
You explain your situation — missed payments, lis pendens, auction date, or just that you’re worried about falling behind. We listen first, without pressure.
We Map Your Best Options
We review your timeline, equity, and goals and map realistic options: loan workout, selling with whatever equity you still have, short sale, deed in lieu, attorney referral, or other next steps.
You Move Forward With a Plan
You choose the path that makes the most sense for your finances and family. Whether you keep the home, exit strategically, or buy time, you’ll know what’s coming next.
Real Results for Real Homeowners
Every situation is different. Here are three outcomes Barrett helped make possible.
Short Sale — Hillsborough County
Avoided Foreclosure — Walked Away With $52,000
This family had fallen 6 months behind after a job loss. Barrett negotiated short sale approval with their lender in 74 days, secured a full deficiency waiver, and they left with equity intact.
Loan Modification — Pasco County
Kept Their Home — Payment Dropped $340/Month
A retired couple facing foreclosure after medical bills. Barrett's negotiation support helped secure a permanent modification dropping their payment by $340/month.
Pre-Foreclosure Sale — Pinellas County
Sold in 19 Days Before the Auction
With the foreclosure auction 3 weeks away, Barrett listed and closed at market value, paid off the mortgage and arrears, and the homeowner left with $28,000 clear.
What This Is (and Isn’t)
- We help homeowners understand their options before things get worse.
- We are not a law firm and do not provide legal advice.
- We do not charge for the initial consultation.
- We can refer you to an attorney when legal questions are involved.
- We can help evaluate whether selling or staying is the best path for you.
Direct Tampa Bay Support
Barrett provides direct, in-person guidance here:
You’ll work directly with Barrett in these counties.
Statewide Florida Network
Barrett personally handles cases in Hillsborough, Pinellas, Pasco, Polk, Manatee, Sarasota, Citrus, and Hernando counties — no handoffs, no referral network.
Become a Partner AgentCommon Questions
Florida is a judicial foreclosure state, meaning every case goes through the court system. The typical timeline is 8 to 14 months from the first missed payment to the foreclosure sale, though contested cases can take 18 months or longer. The process begins when the lender files a lis pendens and complaint, and you have 20 calendar days to file a response.
Yes. A lis pendens does not prevent you from selling your home. It notifies potential buyers that a lawsuit is pending, but many buyers — especially investors and cash buyers — purchase properties with active lis pendens regularly. Your title company handles the payoff at closing.
Yes. Bankruptcy is one option, but there are several alternatives: loan modification, forbearance agreement, repayment plan, short sale, deed in lieu, or selling the property before the sale date. The best option depends on your equity, income, and timeline.
A short sale typically drops your credit score 100 to 150 points, while a foreclosure can drop it 150 to 240 points. More importantly, the waiting period to buy a home again is shorter after a short sale: 2 years for FHA loans versus 3 to 7 years after foreclosure.
Yes. Under Florida Statute §702.06, a lender can pursue a deficiency judgment within one year of the foreclosure sale. The deficiency is the difference between what you owed and the fair market value of the property. This is one reason why negotiating a short sale with a deficiency waiver can be a better outcome.
Don’t see your question? Schedule a free consultation and we’ll address it.
You Don’t Have to Face This Alone
Take the first step. It’s free, confidential, and there’s no pressure to sell.