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In Florida real estate, lien foreclosures primarily involve mortgage, mechanics, and homeowners' association (HOA) liens. For instance, when a homeowner defaults on their mortgage payments, the mortgage lender can initiate a lien foreclosure process to recover the unpaid debt by selling the property.
Filing Suit to Foreclose Your Lien. Florida law allows a one-year time period for filing suit to foreclose a construction lien.
Submit your claim: You must submit your claim to the court and to the trustee. The trustee and the court will then examine your claim and determine if you are owed surplus funds. If you do not claim the funds within two to three months, the funds will be kept by the court.
If you choose to file an answer, you must do so within 35 days from the date that you receive the summons and complaint; and you must include a completed Foreclosure Case Information Statement, a Certification Pursuant to Court Rule -1 and the $175.00 filing fee ($250 for Answers with Counter-Claim, Cross-Claim and/ ...
Furthermore, should a second or lower priority mortgage holder, a lower priority judgment lien holder, or any other person or company holding a lien junior to any kind of superior lien affecting the property file a foreclosure action, the superior lien would survive.