In such situations, the banks may not be able to establish that they have standing to foreclose. Defenses based on missing mortgage documents and/or assignments are far from the only defense tactics available to foreclosure defendants. Anyproperty liensor attempts to foreclosure resulting from an unauthorized charge are not valid and cannot be enforced by an HOA against the propertys owner. Similarly, in some instances, there have been so many assignments (and the assignments were handled so carelessly) that the original notes are missing. In Florida, any HOA that fails to comply with the state statutory requirements regarding foreclosure may not be successful in its attempt to attach a lien and enforce foreclosure against an individuals property. Please reference the Terms of Use and the Supplemental Terms for specific information related to your state. The defendant can successfully defend against a foreclosure action with an unclean hands defense. When expanded it provides a list of search options that will switch the search inputs to match the current selection. 1957). All Rights Reserved. Based on this, lenders, or the holder of the note and mortgage, should be sure to review the loan documents and provide borrowers with the required notice of default before filing a foreclosure lawsuit, or risk having the foreclosure lawsuit dismissed. Here we reference a previously ruled case to enforce our claim: Kumar Corp. v Nopal Lines, Ltd, et. Unfortunately, these technical defaults become the basis for some foreclosure lawsuits on the theory that the banks interest is being impaired. 2d 721 (Fla. Dist. fraudstoppers.org/22-affirmative-foreclosure-defenses/, Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/15.5 Safari/605.1.15. The Mortgage clearly states that, MERS is the mortgagee. With mortgagee being synonymous with lender, this statement acts to establish MERS as the original lender, rendering them a necessary and indispensable party to this action. Since Kumar did not have insurance they were deemed the insurer. Lets say your friend lets you borrow $20.00. Neither the exhibits attached to Plaintiffs Complaint nor the allegations of the Complaint are sufficient to demonstrate standing. These include equitable estoppel, waiver, laches, and unconscionability. See: Glazer v. Chase Home Finance, LLC, No. The Plaintiffs unclean hands result from the intentional failure to comply with material terms of the mortgage and note. Case No. Based on this, a lender, or the holder of the note and mortgage, must ensure that it is coming to the court with clean hands. Ct. App. See, e.g.,Adam Smith Enterprises, Inc. v. Barnes, 539 So.2d 549 (Fla. 2d DCA 1989). Copyright 2008-2023 Jimerson Birr, P.A. Kumar sued Nopal (the carrier) to recover the monetary loss of the stolen items. 1971). Lets say your friend signs a note that says this other guy can take the $20.00 payment on his behalf. Borrowers must get special disclosures for these kinds of mortgages. If the homeowner affirmatively denies the existence of such notice, the court may rule in favor of the homeowner in the foreclosure case. FLORIDA AFFIRMATIVE DEFENSES 2022 5 DEFENSES ARE PERMITTED IN CERTAIN 1-3 PLEADINGS AND MOTIONS and adequacy of the grounds of his claim, both in Under the National Housing Act (12 U.S.C. If a bank cannot establish standing they will not be able to prevail in the foreclosure action. Notably, financial institutions have also been proactive and creative in crafting legal arguments to overcome such affirmative defenses. We are applying the same concept to this affirmative defense. Millions of such transfers were marred by sloppy record keeping and inattention to legal requirements on the part of banks and corporate lawyers. 1957). All rights reserved. During the transport everything was stolen. Assn, 211 So. Phone consultations are always free. Nava basically says yes he can sue on my behalf. 22 Affirmative Defenses To Stop Foreclosure What is an affirmative defense? % The clear language in the mortgage names MERS as a mortgagee; this would, at the very least, create and ambiguity pertaining to a material fact upon which Plaintiffs claim is based. Foreclosure actions are lawsuits that must strictly comply with the procedural requirements established to protect the borrower against the bank. Although the specific requirements vary in each loan agreement, lenders are usually required to provide borrowers with notice that they are behind in their loan payments, an opportunity to cure the default by making a payment or performing some sort of action within a stated period of time (usually not less than 30 days), and notice that if they do not cure the default in the stated period of time, the lender has the right to accelerate the loan. We provide attorneys and you with the state-specific forms that are correct and valid. In case an HOA prematurely starts a foreclosure, the affected party can raise the failure to comply with state statutory requirements as a defense in court. In a case an HOA fails to do so by improperly recording a lien on an individuals home, or does not record the lien at all, the affected party may utilize it as a defense against foreclosure. PDF Elements of Florida Causes of Actions We Routinely Litigate - Jimerson Birr To succeed on this defense, the borrower must show that it relied on the plaintiffs misconduct, and suffered an injury. Assn, 79 So. Drafting an affirmative defense is a bit more complicated because you need to be very specific as to why they are wrong to try and foreclose on you. 607.1502 (1) and 607.1501 (a), (g) and (h). 3d 920, 920 (Fla. 4th DCA 2015) (holding foreclosure lawsuit should be dismissed because lender failed to prove that it complied with the mortgage and notes contractual requirement to mail notice of default to borrower as a condition precedent to foreclosure). This field is for validation purposes and should be left unchanged. Each case is unique and each case must be analyzed according to its specific circumstances. Standing means that the party seeking foreclosure has a right to bring the lawsuit. foreclosure costs, late charges, advances, and expenses incurred by the Plaintiff as a result of the default. All Rights Reserved. This court should refuse the acceleration and deny foreclosure because Plaintiff has waived the right to acceleration or is stopped from doing so because of misleading conduct. attached to plaintiffs complaint as Exhibits. 1. What Exposure Does a Business Have to Attorneys Fees Under the FCCPA and the FDCPA? Determine If Your Home Foreclosure is Eligible to be Defended. These specific rules govern the community, including fees/assessment policy (e.g., what type of fees an HOA is allowed to charge residents). A bank seeking to foreclose a home in Florida must provide evidence that it owns or holds the promissory note and mortgage to prove standing. This is some of the paperwork they are referring to. The note which was attached to the original Complaint shows the Note being endorsed from the Original Lender to a SuperStar Mortgage Inc. Sackrin & Tolchinsky, P.A. If the bank files the foreclosure lawsuit after five years have passed, then the borrower can assert a limitations defense asking that the case be dismissed as a matter of law. & Loan Assoc., 502 So. al., 462 So.2d 1178, (FLa. 3d DCA 1985). Commonly, any CC&R governing an HOA must contain certain provisions to provide how and when the association may foreclosure an individuals property. Even most of the case references have a quick summary next to them. 3. McLean v. JP Morgan Chase Bank Nat. the HOA failed to follow state laws. M If the statute of limitations is a viable defense be sure to plead it in the answer, as it may be waived if not so pled. foreclosure . Kumar Corp. v Norpal Lines, Ltd, et. Adding Affirmative Defenses When Responding to a Foreclosure Summons. The lender should not have the ability to foreclose. The documents attached to the back of the summons (a copy of the note and mortgage) are NOT enough to prove the lender can foreclose on you. 5. Here, things like failure to give the requisite notice, or service of process, can result in the dismissal of the proceedings. Sample Affirmative Defenses and Counterclaim | PDF | Foreclosure Defenses to an Homeowners' Association Foreclosure | Nolo Neither the exhibits attached to Plaintiffs Complaint nor the allegations of the Complaint are sufficient to demonstrate standing. Hallandale Beach, FL 33009 the CC&Rs don't authorize the HOA's charges. Assn, 359 So.2d 464 (Fla. 4th DCA 1978)), one of the most common equitable defenses in Florida jurisprudence is the doctrine of unclean hands. If the borrower (defendant) can provide admissible evidence that the lender (plaintiff) was involved in illegal or improper activity, which may or may not include fraud, then the action has been filed with unclean hands.. The "show me the note" and "lack of standing" defenses are usually available only to property owners who both: (a) answer the foreclosure summons and complaint, and (b) assert the defenses in their responses as affirmative defenses. There are times when the borrower has paid his or her monthly mortgage payments late, but the lender still accepts the payments. Further, the list of defenses described above is not exhaustive, there may be many other legal defenses available. For instance, there is a 30-day notice of default that must be given before the bank starts the foreclosure process. 3d 1009, 1019 (Fla. 2016) ([W]ith each subsequent default, the statute of limitations runs from the date of each new default providing the mortgagee the right, but not the obligation, to accelerate all sums then due under the note and mortgage.). All rights reserved. The particular facts surrounding the mortgagors (borrower) actions must be evaluated to determine if the security of the bank has been impaired. Regardless of the situation, a lien must be properly recorded in the county records to be considered valid. This person has legal duties underRule 1.070and the Florida Statutes, including Florida Statutes48.20,48.031(5). If the claimant seeks to enforce a lost, destroyed, or stolen instrument, an affidavit executed under penalty of perjury must be attached to the claim for relief. Ct. App. 4 0 obj Some of the common defenses used to fight foreclosure are described below. Rashid v. Newberry Fed. If either of these documents is not attached to the document, or if they are incomplete in any way, then the procedural rules have not been met. A good foreclosure attorney will find problems with the lenders foreclosure lawsuit and exploit them to your advantage. However, there are others including, incorrect legal description in the mortgage (there is case law here), estoppel, unclean hands, and rescission. By__________________________________________ If you found this information helpful, please share this article and bookmark it for your future reference. Citigroup Mortg. PDF Chapter 1 Foundations for Legal and Affirmative Defenses %PDF-1.3 To understand how this helps our case here is a quick background on the ruling: Seller: Kumar <- Doing the suing, Buyer: Nava <- Legally should be doing the suing instead of Kumar. In foreclosure lawsuits, this can be when there was a first written demand for payment or it may be the earlier of the date when the acceleration clause is invoked or stated date of maturity. If a foreclosure lawsuit is filed after the deadline has passed, then it is barred by operation of law. Miami, Florida 33185. 3 Types of Foreclosure DefensesIn Florida, 10 Reasons To Survey Your Property In Florida. x%9)&s`]_g=^,zjlguDQ$EOo{miog{?/ooO])k[P*%t{%kX?gd7q?~MmW?l{,?g9gAr-~G~?m-?U~i{mgoKWr:enX>Z3d.1,o/6(K[)+dn~c=tmYlO)n~\5+&96iY#go{,pXj9kYZo}{vy%C}ZD}txopv R2R2i3Fox{`Cg?}=#%L|=~_kmL~zkKYcou2trijln5Yi:&.};j{nO\h5:tg23d>IP%*vBx. A homeowner can tender payment to the bank as a way of defending against a Florida foreclosure lawsuit. How can it help me stop foreclosure? allegations are expressly, directly and explicitly denied and strict proof is, paragraph, therefore the allegations are exp. CASE NUMBER: 13CA012000 DIVISION: X DEFENDANT'S ANSWER AND AFFIRMATIVE DEFENSES COMES NOW Defendant Jane Doe (hereinafter "Defendant") file her answer and . Can I Defend Against a Foreclosure Without a Lawyer? defenses to the foreclosure. 20TH JUDICIAL CIRCUIT IN AND Each one of the affirmative defense will have a lengthy explanation as to what is wrong with the foreclosure summons and why. Affirmative Defenses Under Florida Law Gulisano Law, PLLC Florida Bar No. For example, if a homeowner doesnt raise an affirmative in their answer and thereafter asserts it in response to a summary judgment motion brought by the bank then the homeowner may not be able to raise the defense at the hearing (however, a homeowner can always seek to amend their answer to raise an affirmative defense but dont wait until the hearing to do so). 4.2 Plaintiff's Motion to Strike Affirmative Defenses IN THE UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA (FORT LAUDERDALE DIVISION) Case No. Homeowners may be able to successfully argue the bank is estopped from claiming a default on the mortgage if the homeowner can prove a violation of the rules governing mortgage loan servicing. Defendant. Because many plaintiffs have no direct relationship with the original lender, they are sometimes unable to produce the . Was There A Legal Right To Accelerate The Debt? Some of the common defenses to foreclosure include: lack of standing; failure to provide required notice of default; statute of limitations; and unclean hands. First of all, as in any civil matter, the pleading rules of the Florida Rules of Procedure must be met. Nopal argued that Kumar, Drafting an affirmative defense is a bit more complicated because you need to be. 3d 251, 253 (Fla. 4th DCA 2013). A contractor who complies with the provisions of the Florida Mechanics Lien Law, F.S. DEFENDANTS ROBERT V. OAKLEYS ANSWER AND AFFIRMATIVE DEFENSES COMES NOW, Defendant, Robert V. Oakley, and for their Answer and Affirmative Defenses to plaintiffs Complaint, and in support thereof states the following: 1. There are more issues that can be raised to defend a Florida foreclosure lawsuit, like usury and duress. This entitlement to prosecute a claim in Florida courts rest exclusively in those persons granted by substantive law, the power to enforce the claim. You would probably be less worried about giving the new guy the money, right? The mortgage should be reviewed, paragraph by paragraph to determine what obligations and promises were made by each side (the covenants). In Florida, lack of standing is a common defense in a foreclosure lawsuit. - We Help Stop Home Foreclosure and Remove Debt Liability-. 1:12-cv-01963 (Northern District of Illinois 2012) . Typically you will reference previously ruled court cases to help your defense. Another collection of foreclosure defenses available to a borrower is determining whether or not there has been a legal default under the mortgage. Failure to bring a foreclosure lawsuit within 5 years from the date of default will result in dismissal. This time should be used to work out a plan with your lender if you are planning on keeping your home. Answer & Affirmative Defenses - TO PLAINTIFF'S COMPLAINT/MARLON WALTERS Smith v. Federal Deposit Ins. In verified form, the Homeowners specifically alleged the following to have expressly occurred throughout the course of the loan process. For instance, if the facts show that there was reliance by the mortgagor on statements of acts of the mortgagee relative to the mortgage relationship, then there will not be a valid acceleration of the debt under equitable principles of estoppel and waiver. All other provisions ofFlorida Rule of Procedure 1.115must also be met, as the specific procedural rule governing mortgage foreclosures in Florida. These articles are for informational purposes only and should not be relied upon as legal advice. 462 So.2d 1178, (FLA. 3d DCA 1985). Think of it like referencing a source when you write an essay. 3d 58, 60 (Fla. 4th DCA 2016) (Where there are conditions precedent to filing the suit, [a] plaintiff must also prove that it has complied with them.). To learn more about this, see our blog: Floridas Second DCA: Florida Law Remains That Plaintiffs in Foreclosure Actions Must Have Standing at the Time of Filing Suit. Assn v. J.P. Morgan Mortg. IN THE CIRCUIT COURT OF THE Failure to prove standing at the time of filing the foreclosure lawsuit will result in the foreclosure lawsuit being dismissed. Unclean hands is an equitable defense that may be used to prevent a bank from foreclosure. A good piece of advice if you are dealing with a foreclosure in Florida, is to speak with an experienced Florida real estate lawyer to learn about your rights, including learning if any of the above foreclosure defenses apply to your loan. By Marc Rapaport | Submitted On July 20, 2009. at 61 ([A] plaintiff need only substantially comply with conditions precedent.). Another defense in foreclosure lawsuits is that the foreclosing plaintiff came to the court with unclean hands. This is a sample document related to a specific set of facts and circumstances and should not be used or relied upon if any foreclosure, deficiency judgment, short sale or any other real estate matter. If the homeowner can show a detriment to them caused by such an action of the lender, the unclean hands doctrine may prevent the foreclosure. WHEREFORE, Defendants, De.O and Do.O, respectfully request that this Court take jurisdiction of the case, dismiss the Plaintiffs complaint with prejudice, decline to enforce the notice pled, award costs and reasonable attorneys fees to the Defendants and grant such further relief as this court deems just and proper. Other states have similar notice requirements. Affirmative Defenses HOA Foreclosure Florida: The Full Guide - LinkedIn Liberty Home Equity Sols., Inc. v. Raulston, 206 So. Imagine then some random person you dont know walks up to you demanding the $20.00 that you owe your friend. . To have standing to bring a foreclosure lawsuit, the plaintiff must demonstrate that it holds the note and mortgage at the time the foreclosure lawsuit was filed. In some cases, a lien placed by an HOA is invalid because the association is incorrect. Co., 159 So. Kumar Corp. v Nopal Lines, Ltd was a court case that was ruled in back in 1985. Stated differently, each monthly payment that the borrower fails to pay restarts the 5-year clock. Ct. App. Most mortgages include a condition that the bank notify the homeowner that the loan is in default prior to initiating a foreclosure lawsuit. What If The Bank Files A Procedurally Flawed Complaint? Acquisition Corp., 51 So. Once the borrower raises this issue as an affirmative defense to the foreclosure the bank will have the burden of proving the notice was sent to the homeowner pursuant to the mortgage. UnderRule 1.130, the lender must attach both the mortgage and the promissory note to the pleading asserting its foreclosure cause of action (the complaint). 702.01. COMPANY, AS TRUSTEE FOR MORGAN CASE NO: 07-xxxx-CA Defendant, JOHN DOE, hereby respond to the allegations of the Compliant and state affirmatively: 1. The third category of foreclosure defenses is similar to the arguments against the legality of the default. For more, readOcwen Filing Bad Foreclosure Lawsuits: Is Ocwen Servicing Your Mortgage? If the bank fails to meet that legal notice requirement, then the defendant can request that the foreclosure action be dismissed. The home loan industry is heavily regulated, and many different federal laws have been passed by Congress not only to help borrowers get home loans but to oversee the actions of mortgage lenders. You need many more to continue bolstering your argument. 713, has a lien on the improved real property for any money that is owed to . Affirmative Defenses Under Florida Law "An affirmative defense is a defense which admits the cause of action [asserted in the plaintiff's complaint], but avoids liability, in whole or in part, by alleging an excuse, justification, or other matter negating or limiting liability." Attorney for Defendants An indispensable party is one whose interest in the controversy makes it impossible to completely adjudicate the matter without affecting either that partys interest or the interests of another party in the action. counsel, and files these Affirmative Defenses to the Complaint filed. Start here to find foreclosure lawyers near you. 6. Mortgage loan servicers are required to apply payments and charges to a mortgage loan in compliance with federal law 12 U.S.C. Banking & Financial Services Industry Legal Blog, Floridas Second DCA: Florida Law Remains That Plaintiffs in Foreclosure Actions Must Have Standing at the Time of Filing Suit, How to Foreclose on Mortgaged Land in Different Counties. The Defendants, De.O and Do.O, assert the following affirmative defenses to Plaintiffs claim: 1. The courts will want your reasoning why you deny an allegation. 462 So.2d 1178, (FLa. 3d DCA 1985). is without knowledge of the material allegations of, any other defendant and therefore the allegations are expressly, directly and, explicitly denied and strict proof is demanded, paragraph regarding Tenant #1, Tenant #2, Tenant #3 and Tenant #4 and, WHEREFORE, defendant prays that this Honorable Court dismiss this action in, toto ordering that plaintiff take nothing by this action; award Defendant costs and, reasonable attorney fees as provided by 15 U.S.C. All forms are available in Word format. Here, longstanding principles of fairness (equity) are applied to the situation. Lack of Standing The common affirmative defenses are fraud, undue influence, lack of notice required under the mortgage, standing, payment, and duress. Affirmative Defenses to Foreclosure Lawsuits in Florida - EzineArticles Under Florida law, equitable estoppel is an affirmative defense. See, Meyerson v. Boyce, 97 So. Corp. v. TSE Plantation, LLC, 301 So. DEFENDANT'S AMENDED ANSWER AND AFFIRMATIVE DEFENSES TO VERIFIED COMPLAINT FOR FORECLOSURE OF MORTGAGE AND DEFENDANT'S COUNTERCLAIMS AND ADDITIONAL PARTY CLAIMS The Defendant, by and through her undersigned counsel hereby files this Amended Answer and Affirmative Defenses in response to Plaintiff's Complaint for Foreclosure of Unfortunately, many people lose their homes even after leaving a few thousand dollars behind on HOA assessments. Nopal argued that Kumar did not have standing to sue because there is a Florida statue that says the risk of loss or damage as passed to the buyer (Nava) after items are sold. the HOA misapplied your payments. LARRY TOLCHINSKY, ESQ. The Plaintiff is not registered to do business in the State of Florida and therefore unable to maintain this action and the court does not have jurisdiction. This entitlement to prosecute a claim in Florida courts rest exclusively in those persons granted by substantive law, the power to enforce the claim. 4. Most real estate lawyers, like Larry Tolchinsky, offer a free initial consultation (over the phone or in person, whichever you prefer) to answer your questions. Defendants claims Plaintiffs non-compliance with the conditions precedent to foreclosure imposed on the plaintiff pursuant to applicable pooling and servicing agreement. This is just a single argument for this affirmative defense. If the lender is unable to satisfy this burden, the court may refuse to grant the foreclosure sought by the bank for failing to fulfil a condition precedent to foreclosure. 559.72, et. Neither the exhibits attached to Plaintiffs Complaint nor the allegations of the Complaint are sufficient to demonstrate standing. the HOA failed to record the lien properly, or. The Defendants, De.O and Do.O, by and through undersigned counsel, file this Amended Answer and Affirmative defenses against the Plaintiff, DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR MORGAN STANLEY ABS CAPITALI, INC., TRUST 2006-HE6, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-HE6, and state as follows: Some of the common defenses to foreclosure include: lack of standing; failure to provide required notice of default; statute of limitations; and unclean hands. The defenses described herein may not be applicable to every home foreclosure case, you should seek the advice of a licensed attorney in your area for more information about your specific case. Defendants, De.O and Do.O admits the jurisdictional allegations in the complaint. 1. Foreclosure against the [homeowner] because it is threatening to take a legal action that it cannot legally take and used a false misrepresentation or deception to collect a debt that . Where did this person get a standing claim for the $20.00 you owe your friend? See, Florida Rules of Procedure 1.115(e). The amount due can vary depending on if the bank has filed foreclosure (thus, incurring attorney fees, costs, and additional interest expenses) or if it has accelerated the loan. Plaintiff should have included a count to reform the mortgage, to help explain these material ambiguities, which would have in turn, created a more definite statement. Assn, 359 So.2d 464 (Fla. 4th DCA 1978)). If you are the site owner (or you manage this site), please whitelist your IP or if you think this block is an error please open a support ticket and make sure to include the block details (displayed in the box below), so we can assist you in troubleshooting the issue. 3d 170, 173 (Fla. 4th DCA 2012). Contain affirmative allegations expressly made by the claimant at the time the proceeding is commenced that the claimant is the holder of the original note secured by the mortgage; or allege with specificity the factual basis by which the claimant is a person entitled to enforce the note under section 673.3011, Florida Statutes; and. 4th DCA 1975), Do not sell or share my personal information. Each new default, based on a different act or date of default, creates a new cause of action. Standardized forms for all States are generally not acceptable. Phone: (305) 227-4030. We are going to use Example #2 where the lender is unable to produce the original promissory note, you can argue that the plaintiff (the party suing you) does not have any standing to foreclose because the plaintiff is not the real party of interest. If a homeowner raises this issue in the foreclosure case, the burden of proving this condition was satisfied may be placed on the lender. Florida; Broward County Circuit Courts; Banif Finance (USA) Corp Plaintiff vs. Temple Messianique, Inc, et al Defendant; reply-to-amended-affirmative-defenses-motion-to-strikeparty-plaintiff-banif-finance-usa-corp . This includes meeting the procedural requirements for service of process upon the borrower as a party defendant. Even though receiving a notice that an HOA began a foreclosure against you is not a positive thing, the ideal approach is to stay calm and not waste time with uncertainty. These defenses include issues like fraud, the statute of limitations, cancellation, release, incorrect legal description, among others. In the context of foreclosure lawsuits, the plaintiff will have unclean hands if it uses unscrupulous practices, overreaching, concealment, trickery, or other unconscientious conduct. Shahar v. Green Tree Servicing LLC, 125 So. See, Edelstein v. Peninsular Lumber Supply Co., 247 So. The only evidence which purports to transfer any rights to the Mortgage and Note, is the endorsement listed on the copy of the note produced by Plaintiff. In Florida, most HOAs are governed by a declaration of Covenants, Conditions, and Restrictions (CC&Rs). : 2011-0793-CA-O. oldest person over 7 feet tall sample foreclosure affirmative defenses florida. PDF List of Affirmative Defenses and Counterclaims - Miami Valley Fair 349070 Kiefert v. Nationstar Mortg., LLC, 153 So. mjk funeral home obituaries; san jose state university graduate programs deadlines Men umschalten. Defendant Answer to Complaint, Affirmative Defenses, and Counterclaims, U.S. Bank, National Association v. Dunn, Docket No. Shahar v. Green Tree | Fla. 4th DCA - Unclean Hands Doctrine Another common defense in foreclosure lawsuits in Florida is the lender failed to provide the required notice of default. 14850 SW 26th Street, Suite 204. Therefore, we strongly recommend talking with a Florida real estate lawyer to learn your rights. alan@hallandalelaw.com Alternatively, the plaintiff may submit evidence of an assignment of the note from the payee to the plaintiff, or an affidavit of ownership to prove its status as holder of the note.