Archive note, October 2026: This post was a general piece on how a short sale and a foreclosure affect a credit score, and on using a lawyer to negotiate a short sale. The post names no source and gives no date. For the firm's current work in this area, see foreclosure defense.

Many things will affect your credit score, but several things will affect the score more so than others. A foreclosure in Miami will affect your credit score far more adversely compared to an unpaid medical bill. When facing a possible foreclosure, you should attempt to seek other methods of ridding yourself of the financial responsibility before you get to the point of a foreclosure in Miami. There are several things that you can do as an alternative to foreclosure.

One of the most popular methods to utilize as an alternative to foreclosure is a short sale. Short sales are preferable to the lender when it makes financial sense as it saves them their reputation because they did not have to foreclose and time. However, if you owe a considerable amount more than what the home can be sold for, it is highly unlikely that you will get any lender to agree to a short sale.

Negotiations are full of legal jargon that can be complicated for the average person which is why it is incredibly beneficial to seek the help of a short sale lawyer in Miami to assist you in this matter. Not to mention, it is harder to tell a lawyer “no” than a homeowner.

Your short sale attorney in Miami can oversee everything from negotiations to finalization of a short sale. Talking to a short sale attorney in Miami before you attempt a short sale will yield valuable advice. Your short sale attorney in Miami can also explain the ramifications of a short sale when it comes to your credit score.

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Aaron Resnick has handled business disputes in Miami since 1998 and is a fourth generation Miami attorney. He works hands-on on every case; the client gets Aaron on every major litigation issue, not a junior partner. The Law Offices of Aaron Resnick represents large corporations, Miami businesses and their owners, professional athletes and entertainers in Miami Dade, Broward and Palm Beach counties and across Florida in business litigation and business counsel. Call 305-672-7495 or request a consultation.

This page provides general information and is not legal advice. Prior results do not guarantee or predict a similar outcome.

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