Property Ownership
Under Florida law, a homestead is protected from forced sale to satisfy judgments. This protection does NOT apply to which of the following creditors?
ACredit card companies
BMedical debt holders
CHolders of first and second mortgages on the homestead property✓ Correct
DBusiness creditors of a sole proprietor homeowner
Explanation
Florida's homestead protection shields the home from forced sale to satisfy most unsecured debts. However, the protection does NOT apply to: (1) purchase money mortgages and other liens voluntarily placed on the property (first and second mortgages), (2) mechanic's liens for labor/materials improving the homestead, and (3) property tax liens. These secured creditors can foreclose despite homestead protection.
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