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Homeowner Defenses That Could Be Used in the HOA Foreclosure Process. As an HOA Board member you may be faced with the task of having to make the decision to foreclose on homes in your association. Weâve all been challenged by the financial climate these last few years and it is going to take some time to bounce back.
Step 3: Homeowners need to prepare for a fight and need an attorney who can find a strong defense to stop or prevent the foreclosure defense of your property. The foreclosure process in Florida begins the moment you receive legal notice that your mortgage is in default.