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Samantha L. Dammer Fighting
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Tampa Short Sale Attorney


  • Try to represent yourself without an attorney
  • Not respond promptly to your attorney’s request for information or documents
  • Quit claim the property to ANYONE, including a land trust in which you are the beneficiary
  • Cash out a retirement account or otherwise exempt account to stay current on the mortgage
  • Lie on your hardship letter or financial statement
  • Volunteer any “unasked for” information to the bank
  • Talk to the banks when they call, except to tell them that you have retained an attorney
  • Except to keep your house if you are behind on the mortgage payments
  • Put tenants in the house that won’t allow a lockbox and easy access for showings
  • Fall way behind on the monthly homeowner’s assessments.  HOAs can foreclose faster than banks and they are less likely to negotiate down their fee.
  • Put a ton of money into making the house “showable” – this is not a traditional sale and you won’t recoup your money
  • Start the short sale process unless you are really ready to sell the property
  • Ignore letters from the bank or the bank’s attorney, especially if the house is vacant.  Lenders can change the locks but they will usually give you written notice.


  • Write a sincere and accurate hardship letter that specifically requests the bank to approve the short sale
  • Provide organized documents and information to your attorney
  • Allow a lockbox and immediate access to the property anytime for showings
  • Respond immediately to requests for updated financial information from your attorney
  • Have an open mind when it comes to the deficiency balances if any on the mortgage.
  • The goal of a short sale is to avoid foreclosure and mitigate your losses – which may not necessarily mean that you get to walk away scot-free
  • Pay the mortgage on time if you want to improve your chances of keeping your credit good, if you are financially able to do so
  • Stay in contact with your attorney and make sure that he has your current telephone number and email address
  • Follow the advice of your real estate broker when it comes to making sure the house is priced to market
  • Retain a competent foreclosure defense attorney immediately upon being served with foreclosure papers.  Foreclosure litigation is separate from a short sale!
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