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    Yo Sezi (Foreclosed) Kay Kote Mwen Lwe A

    Ki sa "Foreclosure" la ye?

    Si mét kay ou a pa peye mògej li, konpayi mògej la ka fé on aksyon "foreclosure" kont li. On aksyon "foreclosure" se on aksyon an jistis fét pa konpayi mògej li lé mét kay la pa peye mògej li. Nan aksyon "foreclosure" la, konpayi mògej la mande tribinal la pou li van-n propriete a pou li ka peye mògej li.
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    Mwen Se On Lokaté Sèlman - Pouki Sa Yo Sévi Mwen?

    Si yo fé aksyon "foreclosure" la kont mét kay ou a, kòm on lokaté ki abite nan propriete a, yo pral sévi ou jeneralman avék on "foreclosure lawsuit."  Swa "Sheriff"  o sinon on moun ki se on "process server" pral pote on fotokopi aksyon an jistis la pou ou. Kòm on lokaté, ou se on pati nan "foreclosure" la, men plent "foreclosure" la pral refere a ou tankou  "unknown tenant" on lokaté ke yo pa konnen o sinon "John/Jane Doe."
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    Ki Sa Mwen Ta Dwe Fé Si Yo Sévi Mwen Avék On Notis "Foreclosure" Kont Mét Kay Mwen An?

    Men-m si ou pa posede propriete a, ou ta dwe fé on repons a "foreclosure" la. Pou plis enfòmasyon sou kouman pou ou fé sa, refere ou a ti livré LSGMI sou "How to File an Answer to a Lawsuit" (Kouman Pou ou Fé Repons a on Aksyon an Jistis).  Nan repons lan ekzplike ke: 

    • Ou abite nan propriete a
    • Ou lwe propriete a.
    • Si ou genyen on kontra, di sa nan Repons ou an
    • Dat kontra ou an ap témine
    • Mete on fotokopi kontra-a nan repons lan

    Si ou fé on Repons, li pral di jij la epi konpayi mògej la ke gen on lokaté ki abite nan propriete sa-a.  Yo pral notifye ou tou si gen jijman ki fikse nan kay la.  Si ou pa fé on Repons, ou ka pa resevwa on ken-n notis konsénan aksyon "foreclosure" la, epi ou pa pral konnen ki sa ki ap rive nan ka-a. 

    Si mét kay la pat peye mògej li epi ou vle sòti nan kay la, ou ka voye on lét bay mét kay la ki di konsa ke ou ap témine akò lweyaj (rental agreement) ou nan 7 jou paske li pat peye mògej li.  Ou ka genyen tou lòt reklamasyon kont mét kay ou a, men ou ta dwe konsilte on avoka anvan ou pran aksyon legal.
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    Éske Mwen Gen On Dwa Espesyal Si Propriete Kote Mwen Abite a Te Pou Mwen Anvan?

    Si ou abite nan on kay ki te kon-n pou ou anvan epi ou gen opsyon pou ou achete propriete a ankò, li empòtan pou ou ekri sa-a nan Repons ou an.  Ou ta we pale tou ak avoka pa ou paske lwa nan sitiyasyon sa-a konplike.
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    Ki Sa Mwen Dwe Fé Si Mét Kay Mwen an Di Mwen Konsa Ke li Planifye Pou li sisoan-n "Foreclosure" la?

    Si ou resevwa on plent "foreclosure," ou ta dwe kontakte mét kay ou a pou ou ka konnen kisa li gen entansyon fé konsénan "foreclosure" la. Anpil fwa, apré on aksyon "foreclosure" fin-n fét, mét kay la peye konpayi mògej la ase lajan pou sispan-n "foreclosure" la o sinon aplike pou "bankruptcy." Si mét kay la fé sa, "foreclosure" ta sipoze sispan-n o sinon anile. Men-m si mét kay ou a di ou konsa li pral sispan-n "foreclosure" la, ou ta dwe fé on Repons nan aksyon "foreclosure" la.
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    Ki Sa Mwen Ta Dwe Fé Si Mét Kay Mwen An Di Mwen Konsa Ke Li Pa Kapab Sispan-n "Foreclosure" La?

    Si mét kay ou a di ou konsa ke li pa pral rive rete "foreclosure" la, o sinon si ou pa ka jwen mét kay ou a, ou ta dwe fé on repons nan aksyon "foreclosure" la epi kòmanse chéche on nouvo kay pou ou rete. Legalman, ou dwe kontinye peye lweyaj kay la pannan posedi "foreclosure" la.
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    Ki Sa Ki Ka Rive Si Yo Sezi Kay La?

    Si mét kay ou a pa sispan-n "foreclosure" la, Tribinal la pral ran-n on jijman kont mét kay la. Tribinal la pral fikse on vant "foreclosure."  On fwa ke propriete a van-n nan jou vant "foreclosure" la, pral gen on nouvo mét kay/propriete.
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    Éske Nouvo Mét Kay La Ka Fòse Mwen Kite Kay la?

    Nouvo mét kay la tan-n 10 jou apré vant "foreclosure" la mande Tribinal la pou li akòde on bagay ki rele on "Writ of Possession" pou li fòse ou sòti nan propriete-l. "A Writ of Possession" se on dokiman kote Tribinal la bay "Sheriff" la lòd pou li mete ou deyò epi ak tou sa ou genyen nan propriete a.

    Gen de fwa nouvo mét kay la pral fikse on jijman pou mande Jij la pou "Writ of Possession" an, men sa pa rekòmande. Si ou toujou ap viv nan propriete a epi nou vo mét kay la fikse on jijman pou on "Writ of Possession," li tré empòtan ke ou ale nan jijman-an pou ou ka di Jij la konbyen tan ou pral bezwen de fason pou ou sòti.
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    Apré Yo Fin-n Van-n Propriete a On Nouvo Mét Kay, Éske Mwen Dwe Peye Lweyaj a Ansyen Mét Kay La?

    Apré yo fin-n van-n propriete a nan "foreclosure," ou pa bezwen peye ansyen mét kay ankò.


    Ki Sa Mwen Dwe Fé Si Nouvo Mét Kay La Mande Mwen Si Mwen Vle Rete Nan Kay La?

    Gende fwa, nouvo mét kay la kon-n mande ou si ou vle rete nan kay la. Si sa rive, ou dwe asire ou ke moun ki kontakte ou a se nouvo mét kay la.  Ou dwe mande pou prék ki montre ou ke li se nouvo mét kay la anvan ou peye li lweyaj. Si ou pa jwen on akò, nouvo mét kay ou a paka fòse ou pou ou sòti pa chanje seri kay ou o sinon koupe kouran o sinon dlo/itilite ou.

    Ti feyé sa-a te prepare pa Legal Services of Greater Miami, Inc. Ou ka jwen nou nan:

    Biro Prinsipal
    3000 Biscayne Blvd., Swit 500
    Miami, FL 33137
    305-576-0080
    South Dade Law Center
    10720 Caribbean Blvd., Swit 400
    Perrine, FL 33189
    305-232-9680
    Biro Key West
    1111 12 St., Swit 203
    Key West, FL 33040
    305-292-9722

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    Download Brochure Requires Adobe Acrobat Reader


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    What You Should Know

    Facing foreclosure? Don't wait until it's too late to save your home.  Get the facts you need here.
    Download the brochure on Homeowner Tips to Avoid Foreclosure Problems Adobe Acrobat Reader Required
    Are you a renter whose home is being foreclosed?  Know your options by clicking hereEspañol / Kreyòl
    Click here for information about Predatory Loans


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    Get the facts

    Learn About Limousine Service Regulations
    Miami-Dade County regulates for-hire limousines on a countywide basis in order to create a comprehensive and service-oriented system of unrivaled for-hire limousine service.

    cabGet the Facts on Taxicab Regulations
    Learn what you need to know to make your next cab ride a good one for both the driver and passenger.
    Take a Visual Tour of Consumer Services
    Get familiar with the Consumer Services Department and how it can help you through this brief video introductionWindows Media Player required

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