Payment must be made in the form of cash, or cashiers’ check, made payable to the Clerk of the Courts. To redeem your property, you must pay the full amount of the Final Judgment (plus interest, fees and costs) to the Clerk of the Courts. Once full payment of the bid amount has been timely received from the successful bidder, the sale is complete and the Certificate of Sale is issued to the new owner. Please see Property Redemption section below. The foreclosure clerk assigns a date to auction the property and publishes a Notice of Sale in a publication that meets the requirements of the Florida Statutes.ĭefendants Right of Redemption (Florida Statute 45.0315)Īs the homeowner, you may recover your property by redeeming it prior to auction, or immediately after the auction of your property, up until the time that the Certificate of Sale is issued or as stated in the Final Judgment. If a Final Judgment is signed by the judge, it will instruct the Clerk of the Court to sell the property at auction, to the highest bidder. If you fail to answer, you may not be given an opportunity to present your side of the case to the judge, and a Final Judgment may be entered against you. Employees of the Clerk’s Office cannot provide legal advice.įoreclosure proceedings begin with the filing of a civil action complaint, the recording of a Lis Pendens in the Public Records and the issuance of a summons to each defendant in the case including the homeowner.Īs the homeowner, you will be given 20 days to respond to that summons by filing an answer to the complaint. If you have any questions or concerns regarding this process you may choose to seek the advice of an attorney. While we describe issues that may be important regarding foreclosure proceedings, it does not represent a complete summary of the applicable law in this area, or any and all legal rights which may be available to you.
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