You opened the envelope. Now what?
If your stomach dropped when you saw the court paperwork, that reaction makes sense. Most homeowners I talk to weren't ready for it — even when they knew something was coming. This page is here to help you make sense of what just happened, without anyone trying to sell you anything.
A calmer look at where you actually stand
A Lis Pendens means a foreclosure case has been filed against the property. It's a serious step, but it isn't the end of your options. In Florida, foreclosure is a court process — and court processes move slower than the panic in your chest right now.
That breathing room matters. It means you still have time to understand what's happening and to make a decision that fits your life, rather than reacting to whichever investor sent the loudest piece of mail this week.
Questions most homeowners are quietly turning over
- Can I still keep my home?
- What happens if I just do nothing?
- Should I be looking at a loan modification or bankruptcy?
- How does a short sale actually work if I owe more than the house is worth?
- Are the cash offers in my mailbox a fair deal — or not?
- What if my house needs repairs I can't afford?
- How does each path affect my credit, short-term and long-term?
None of these have one-size-fits-all answers. They depend on your loan, your equity, your timing, and what you actually want to happen next. The point isn't to pick the "right" answer today. It's to understand the choices well enough that you're the one making them.
Understanding a Lis Pendens: A Plain-English Guide for Florida Homeowners
An honest overview of what the filing means, the typical timeline in Florida, the options most homeowners have, and a few questions worth asking before talking to anyone — including me.
Get the plain-English guide.
Agent | License ID: SL3386230
What happens after you request the guide
You'll get an email within a few minutes with the guide attached. Over the next few weeks, I'll send a handful of short follow-up notes — each one focused on a specific question I hear from homeowners often. No phone calls, no pressure, and you can unsubscribe at any time.
If you'd rather talk than read, my number is (863) 264-1001. Call or text, whenever you're ready — tomorrow, next month, or six months from now.