If you are a homeowner facing foreclosure learn what your rights are.  I wrote about the foreclosure process previously but have to follow up with this post geared to the homeowner in this predicament.

The Miami-Dade Clerk of Courts has a brochure titled Homeowner Rights in Foreclosure Proceedings.  You can see and print the brochure by clicking here.  It has useful information for the homeowner facing foreclosure. 

There are things that can be done to save your home.  Contacting an attorney to work on your behalf is crucial.  It is not required, but who can better represent you than someone who knows the intricate laws involved in a foreclosure proceeding?

The brochure also explains what you can do if you're not able to stop the sale and there are surplus funds which can be claimed.  Surplus funds are any monies brought in by the final bid that are over and above what the final judgment amount is.  In this case, the homeowner may be entitled to receive surplus funds after the sale.

This is a difficult situation to find oneself in.  Again, I advocate using a knowledgeable attorney to represent you if you find yourself facing a foreclosure.  Time is of the essence too, as you have only 20 days to answer the original summons after it is issued.