How Florida foreclosure actually works
Florida uses a judicial (court-supervised) foreclosure procedure. The bank must issue a formal notice, and after the statutory 20-day period, a clerk of court foreclosure sale can be scheduled. In practice, from Notice of Default to actual sale runs 6 to 18 months typically.
Florida is judicial — a counterclaim can be filed directly in the same court hearing the foreclosure. Every case the Guild files in Florida is anchored to that timeline — the counterclaim is prepared to be filed inside the statutory window, before the sale is finalized.
What the Guild does in a FL case, step by step
Day 1–7 — intake, six signed agreements executed inside the private portal, and initial document upload (mortgage statement, deed, ID, FL court paperwork). Day 8–20 — good accounting ledger audit on the loan file, including any SEC-bundled tranche the note was assigned into. Day 21–35 — the verified counterclaim is filed with the FL court, the law firm on the pleadings, and the bank. Day 36–50 — foreclosure mediation and, if necessary, arbitration. Day 51–60 — trustee pledge, mortgage reassignment, settlement recording, and a manual tracking number stamped on the case file.
Every step is visible in the Member Portal in real time. Every filing is timestamped. Every trustee reply is preserved.
Florida counties we file in most
Most of our FL intake comes from Miami-Dade, Broward, Orange, Palm Beach, Hillsborough and Duval. Every one of these county courts has heard a Guild counterclaim inside a live foreclosure case. Cases from smaller FL counties are accepted without exception — timelines and procedures are identical.
If your case is in a county not listed here, you can still enroll. All Florida counties are covered under the Guild's FL program.
Florida sheriff-sale / trustee-sale emergency intake
If a clerk of court foreclosure sale is already on the calendar in your Florida case, message the trustee contact page immediately. Include the sale date, the property address, the case number, and the law firm name. Same-day trustee review is the standard on active sale intakes.
The counterclaim + injunctive relief request is typically respected by the FL court and the sale is halted while the counterclaim is heard. Cases filed inside the last week require prioritized document upload and same-day agreement signing — the Guild has the emergency triage desk staffed to handle exactly this.
Frequently asked questions
- Does the Guild work in every Florida county?
- Yes. Every FL county is covered under the Guild's FL program. The counterclaim is filed in whichever court is hearing your foreclosure — no county is excluded.
- How long does a FL foreclosure actually take?
- 6 to 18 months typically. Florida is judicial — a counterclaim can be filed directly in the same court hearing the foreclosure.
- Will filing a counterclaim stop my clerk of court foreclosure sale?
- In the vast majority of qualified cases, yes. The counterclaim is heard by the FL court and the sale is typically paused during that hearing. This is not a guaranteed outcome but it is the outcome in nearly every qualified case.
- Do I need a Florida attorney to enroll?
- No. The Guild trustees prepare and file the counterclaim on your behalf. If your FL case additionally requires a separate court appearance, we refer to a partner attorney licensed in Florida.
- Can I do this from my phone in Florida?
- Yes. The entire Guild experience — application, six signed agreements, document upload, trustee messaging — is fully mobile and tablet friendly. Most FL members complete initial intake from their phone within the first day.
- What does it cost in Florida?
- The same as everywhere else: $1,500 yearly Guild membership plus 1.5% of the mortgage balance as the counterclaim service fee, paid only at settlement. There is no FL surcharge and no state-by-state pricing.