Your stomach drops when you see the court papers. In Florida, that first foreclosure packet often includes a Lis Pendens, and many homeowners in Miami-Dade and Broward read it as the end. It isn’t. It means the legal process has started in a judicial foreclosure state, and what you do next matters more than what you did last month. If you’re searching for how to stop foreclosure on your house, the hard truth is simple. Waiting makes almost every option worse. Acting quickly can still preserve your…