Florida foreclosure is a court-supervised process. A mortgage lender must file a lawsuit, serve the property owner, prove its right to enforce the loan, obtain a final judgment, and complete a public foreclosure sale before title can transfer. That process creates several opportunities to respond, negotiate, reinstate the loan, pursue a short sale, file an appropriate bankruptcy case, or sell the property before the foreclosure sale. It also creates deadlines that become increasingly difficult to recover from when they are missed. This guide explains the foreclosure process…