Foreclosure Defense

Foreclosure Defense

Baybridge Law Firm, P.L.L.C. is a boutique Florida consumer based law firm in Gulf Breeze Florida and serving the community of Pensacola Beach, Pensacola, Navarre,  Milton, Destin and Miramar Beach.  The law firm is dedicated to protecting the rights of distressed consumers & commercial entities facing foreclosure.  The law firm is committed to defending against fraudulent banking practices and corrupt servicers who are trying to take away homes and commercial properties utilizing the judicial foreclosure procedures.

In the emerging field of Florida “Foreclosure Law” also known as “Foreclosure Defense Law”, we are up to date on the most current law and legal strategies in State and Federal litigation. We are well equipped to effectively and successfully fight against these unreasonable lenders on your behalf.


Baybridge Law Firm, P.L.L.C  offers monthly payments that are affordable and frugal to all clients and business entities.  

Who We Serve

We help anyone who wants to stop foreclosure and save their home. Our firm represents people from all walks of life and economic backgrounds.

Whether your mortgage is small or large, the price is never an issue. We will assist you with Florida foreclosures on single family homes, Florida condominium litigation, Fannie Mae, Freddie Mac, VA, FHA, SBA, HUD, USDA and Securitized mortgages, and any other form of home or commercial foreclosure.

Our clients live throughout the State of Florida, however, because of the epidemic foreclosure crisis we are currently only serving the immediate consumers and homeowners that have properties located in the First Judicial Circuit including Escambia, Santa Rosa, Okaloosa, and Walton counties.  We love the military and you are always welcome to call us since you may be entitled to additional Federal and State rights regarding a foreclosure proceeding. 

What Can You Expect From Us?

When you contact us, we will schedule an initial consultation. We’ll listen carefully to your concerns, so we can strategically plan for a solution for your particular situation.

First, you need time. Time to regroup, plan, find solutions and fresh opportunities. We work ethically within Florida foreclosure law to help you get that priceless time. As we litigate your foreclosure defense, we’ll use the time we’ve secured for you to put the best strategies to work on your behalf.

We will explain to you where you stand in the process of foreclosure. We will discuss the defenses and strategies that will work for you, such as defending the foreclosure based on possible violations, renegotiating loan terms, and more than 73 other propriety legal options based on your facts and concerns. We will explain the benefits and disadvantages of such options. You will understand how long we can keep you living in your house.

What We Will Do For You

Baybridge Law Firm, P.L.L.C. has Gregory “Kaiser” Wilhelm, Esq., who is a former Military Aviator for USMC who flew Ch-53E and served during Desert Shield and Desert Storm. He attended the University Of Denver and completed his Juris Doctorate Degree. Upon his graduation, he served as a Business Agent and Consumer  Attorney in the State of Michigan and Florida. Immediately before entering private practice,  as the former Assistant Attorney General for the State of Florida, he handled the complex civil litigation Division including the fraudulent activities against Florida consumers.  His accomplishments during his tenure at the Attorney General’s Office included handling cases against the largest and most insidious healthcare providers and pharmaceutical companies and recovered millions of dollars, handled Qui Tams  (Whistle Blower) and relator cases, eliminated corrupt practitioners and recovered millions of dollars for the State of Florida citizens.

Baybridge Law Firm, P.L.L.C. utilizes all weapons available at its disposal, including using Mediation, Arbitration,  Administrative Law, State Courts and Federal Court or a combination of all.    Defending an action in a Court of Equity requires an unique background and experience of a lawyer that has perfected an understanding and knowledge of real estate, property, contracts, securities, Uniform Commercial Code (UCC), secured transactions, and bankruptcy knowledge.

We treat each client as if they are an actual victim of a fraudulent criminal and civil violation that was conducted by the banking institution. When we are not defending homeowners, we are consumer advocates using multiple consumer enacted State and Federal laws to pursue justice against including corrupt corporations, banking institutions, credit reporting agencies, collection agencies and other wrongdoers for their fraudulent behaviors and damages they have caused our clients or society.  We continue to endeavor in limited and select criminal cases that take place within the federal jurisdiction or white collar crimes. However, if you are a banker or mortgage broker, charged with any criminal activities…..don’t bother to contact us. Lastly, the need to protect national security clearances for our service members and government contractors while in their financial mess has become a recent new priority at our law office.

When we take on a foreclosure case, we have at least four (4) immediate legal goals in mind: (1) defend the homeowner and prevent default, (2) stop the lender from obtaining summary judgment (3) win the case by dismissal or defensive summary judgment and/or  (4) win at trial.

There is no guarantee that any attorney can be successful every time.

In every foreclosure case, there is a multitude of defenses available to every homeowner.  Furthermore, if the lender cannot prove every element of their case, the burden of proof, then the lender must lose, and the Judge must enter final judgment for the homeowner.  As a trial lawyer, Gregory Wilhelm, Esq.,  knows how to put the lender to its burden of proof. If the lender cannot prove its case with admissible evidence, then the homeowner must-win as a matter of law.

The Law Firm is also versed in helping our foreclosure clients pursue other options as well including loan modification, short sale, and deed in lieu of foreclosure.  However, in every case, we invest a great deal of time and effort to thoroughly conduct discovery to determine whether or not the lender has evidence to prove every element of its case.  When the lender is missing proof on any issue, it’s our job to take their case apart, and that is what we do.

We Make Florida Foreclosure Law Work For You

Our approach to foreclosure defense involves investigating every possibility. We strip down your unique case to expose the facts, revealing any errors made by the lenders. Mortgage companies and/or servicer(s) rarely follow the rules and violate their own requirements when foreclosing on homes. The Trust entities, suing on behalf a securitized mortgage(s), enjoy violating their own mandated authority found within the Servicing and Pooling Agreements registered with SEC.

Our  Attorney and Staff Members are diligent in finding Foreclosure Fraud

Our professional legal staff operates under the direct supervision of their attorney and are diligent in representing the client(s) and  are always  seeking answers to the following questions:

  • Does the mortgage itself indicate predatory lending or fraud?
  • Are the documents authentic?
  • Can the lender produce the documents?
  • Did the lender or/and the opposing law firm provide fraudulent documents?

Experience and skills finding fraud enable us to place the Plaintiff on the defensive. There are defenses and affirmative defenses that we can raise that may actually stop a  foreclosure. In some cases, your lender may even be required to pay you damages and attorney fees, if we are victorious.


If you are in the process of loan modification or short sale conducted without an attorney, you should email us at [email protected] or contact us and speak with an attorney immediately.  It is important that you understand how loan modifications work. We will guide you to engage only in meaningful loan modifications, and keep you safe from a defective “short sale.” unreliable “loan rescue” scams and predators.

Foreclosure Rescue Scams

Not coincidentally, the subsequent increase in foreclosure rates has led to an increase in rescue scams. The alleged “rescuers” use various scams with disastrous consequences for already desperate homeowners. While waiting for the promised relief that never comes, homeowners are not only scammed out of thousands of dollars that they cannot spare, but also fall deeper into default and lose valuable time in saving their homes from foreclosure.

Mortgage foreclosure rescue scams generally fall into one of the following three categories,

  • Bailout – Here the scammer pays off the default amount in exchange for the homeowner surrendering the title to their house. The homeowner is then told they can rent their house back from the scammer until they are able to pay back what is owed. Ultimately, under unconscionable rental terms the homeowner defaults, is evicted, and loses all the equity in their home.
  • Bait and Switch – This scam occurs when the homeowner does not realize he is surrendering ownership of their houses in exchange for a “rescue.” Either the sale documents are forged or the homeowner is led to believe that he is only signing documents for a new loan to make the mortgage current.
  • Phantom Help / “Loan Modification Specialists” – Here the supposed rescuer charges very high fees for basic phone calls and paperwork that the homeowner could have done himself. Or, the rescuer will make promises to represent the homeowner in negotiations with the bank, but will then do nothing to save the home. Many of these scammers use deceptive tactics to market their “services” as an affiliate government-run loan modification program even though that is the furthest thing from the truth.

Basically, if it sounds too good to be true, then it usually is too good to be true. If you have questions about a deal you are entering, talk to an attorney or a housing counselor first! If you think you’ve been a victim of a foreclosure rescue scam or other foreclosure fraud, contact:

Come and see us.

Disclaimer: This website is maintained by Baybridge Law Firm, P.L.L.C. to provide general information about itself.  The information you obtain at this site is not, nor is it intended to be, legal advice upon which you should rely or act. You should contact your Florida attorney to obtain advice with respect to any particular issue or problem in Florida. Use of and access to this website does not create an attorney-client relationship between Baybridge Law Firm, P.L.L.C. and the user or browser. You should not send any confidential information to us until and unless a formal attorney-client relationship has been established. If you would like to discuss your potential claim call us at 1-850-932-0300 or contact us by email at [email protected].

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