Dauna Kaye McPherson

Dedicated Advocate | Strategic Litigator | Client-Focused Counsel

Dauna McPherson is a results-driven attorney with a strong commitment to protecting the rights and interests of her clients. With a background in family law, litigation, personal injury, bankruptcy, and business law, Dauna brings a powerful combination of legal insight, strategic thinking, and compassionate advocacy to every case.

Known for her meticulous preparation, courtroom confidence, and straightforward communication style, Dauna has successfully represented individuals and businesses in complex legal matters. She takes pride in helping clients navigate challenging legal landscapes with clarity, integrity, and a focus on achieving the best possible outcomes.

Dauna earned her Juris Doctor from Temple University Beasley School of Law and is licensed to practice in the state and federal jurisdictions of Florida and Texas. She continues to expand her legal knowledge through ongoing education and remains active in professional legal associations.

When she's not in the courtroom or advising clients, Dauna is a passionate advocate for justice, community involvement, and empowering others through knowledge.

• Free Consultation
  a 3o minute consultation where an attorney goes over the merits of your case and advises you on howto proceed
• Credit Cards Accepted

Florida

The Florida Bar

ID Number: 44623

Since 2007

Bankruptcy Attorney

Allmand Law

2025 - Current

Immigration Attorney

Westcott Law

2023 - 2025

Assistant Regional Counsel

State of Florida

2008 - 2023

Temple University

J.D. (2007) | Law

2004 - 2007

Honors: Cum Laude

Florida State Bar  # 44623

Member

2007 - Current

Q. Facing foreclosure due to missed payments and denied loan modification; seeking options beyond short sale.

June 3, 2025

A: Based on your situation, you still have several potential legal avenues to explore before foreclosure becomes final. Here's how a foreclosure defense or bankruptcy attorney may be able to help:

1. Foreclosure Defense

Even though your loan has been referred to the lender’s attorney, you still have rights. A foreclosure attorney can:

Review the loan modification denials to determine if your lender followed proper procedures. If they failed to consider your financial hardship adequately or violated federal or state loss mitigation laws, you may have a legal claim to delay or stop foreclosure.

Challenge the foreclosure process if the lender did not follow notice requirements or if there are inaccuracies in how the default was handled.

Negotiate directly with the lender for an alternative solution (such as a repayment plan, forbearance, or reinstatement) while defending you in the foreclosure process.

2. Bankruptcy as a Strategic Option

Bankruptcy isn’t just a last resort—it can be a powerful legal tool, especially under these circumstances:

Chapter 13 bankruptcy could allow you to stop the foreclosure process immediately through the automatic stay and create a 3- to 5-year repayment plan to catch up on missed mortgage payments.

Chapter 7 bankruptcy may delay foreclosure temporarily and discharge other debts, which could free up income to address your mortgage.

A lawyer can evaluate if you qualify and whether it’s in your best interest based on your income, assets, and overall debt.

3. Other Alternatives

An experienced attorney may also help you explore:

Reinstatement: Paying the amount you’re behind (possibly with help from community assistance programs or family) before the foreclosure sale.

Deed in Lieu of Foreclosure: Transferring the property to the lender to satisfy the debt without going through a public sale—often less damaging to your credit than foreclosure.

Litigation for Servicer Misconduct: If your lender acted in bad faith (e.g., approving a modification then offering no alternatives after your uncle passed), legal action may be possible.

Next Steps

Time is critical now that your loan has been sent to foreclosure counsel. You should:

Consult a foreclosure or bankruptcy attorney immediately to preserve your rights.

Gather all your documentation, including emails, denial letters, modification applications, and notices received.

Stay alert for legal notices—especially anything from a court or process server.

Bottom Line:

You are not out of options. A qualified attorney can often slow down or stop the foreclosure, negotiate new terms, or explore bankruptcy to protect your home and financial future. A short sale may be one option—but it’s not your only one. ... Read More