You open the mail, see a foreclosure complaint, and your stomach drops. If you’re in Miami-Dade or Broward, that panic is understandable. These cases move through court, they involve strict deadlines, and they often collide with other South Florida problems at the same time, especially rising insurance costs, HOA pressure, probate delays, and title issues. The first thing to know is simple. Florida uses a judicial foreclosure system. That means the bank can’t take the property through a quick administrative process. It has to sue you in…
