Foreclosure Release. Learn how a Florida foreclosure works, including preforeclosure steps, foreclosure procedures, and homeowners' rights under both state and federal laws.Take control of your future and avoid foreclosure in Miami Dade, Florida. Our step-by-step guide and tips can help you navigate the process. Several thousand residential and commercial mortgage foreclosure actions are being filed every week in the Miami-Dade area and surrounding local municipalities. Mortgage Foreclosure. Financial hardship letters are a way to ask a lender for help with a loan modification. Dade County foreclosure attorney further explains this process. Generally, when a borrower defaults on their mortgage payments, lenders take legal action to recover the remaining balance of the loan. This is proof or documentation that the public notice was given in the execution of an outstanding mortgage.