Florida foreclosure law is very technical.
Lenders sometimes do not jump through all of the procedural hoops for a foreclosure proceeding. They might have also recorded your mortgage incorrectly or made some other error in your paperwork. If you are in foreclosure, you can point out those mistakes in a way that helps you keep your home.
In fact, if your lender is violating the Fair Debt Collection Act, they might even have to pay you money damages for their actions.