What is the deadline to respond to this foreclosure notice?

You must serve written defenses and file the original with the clerk within 30 days from the first publication date.

Where do I file my written defenses?

File the original with the Clerk of the Fourteenth Judicial Circuit Court in Bay County and serve counsel at Lender Legal PLLC, 1800 Pembrook Drive, Suite 250, Orlando, FL 32810.

What happens if I do nothing about this notice?

A default judgment may be entered and the lender could proceed to foreclose and sell the property.

Foreclosure — 339 Spikes Rd, Panama City, FL (26000151CA)

Official courthouse record · Indexed in NoticeRegistry archive · AI-enriched for research

Lender

Affects:DefendantsProperty BuyersCreditors

A mortgage foreclosure lawsuit was filed against the owner(s) of Lot 14, Block B, Resoto Beach Subdivision in Bay County, and named defendant Susanne Teall Bynum (last known at 339 Spikes Rd, Panama City). The defendant must file written defenses within 30 days of first publication or risk a default judgment.

Key Takeaways

Foreclosure complaint filed for property in Bay County
Defendant named: Susanne Teall Bynum, last known address provided
Must serve written defenses within 30 days of first publication
Failure to respond will likely result in default judgment

Published: May 13, 2026 · 6 days ago
Category: Foreclosure
City: Panama City

Address

339 Spikes Rd, Panama City, FL

Case #

26000151CA

Research context

102 foreclosure notices in Panama City (last 12 months)

View full case dossier

All filings for #26000151CA with AI case analysis

If you don't respond

If no written defenses are served and the original is not filed with the clerk within 30 days from the first publication, a default judgment may be entered against the defendant, potentially resulting in loss of the property to satisfy the mortgage.

What to do next

1
Prepare and serve defenses
Within 30 days of the first publication (starting 5/13/2026), draft and serve written defenses to plaintiff's counsel at Lender Legal PLLC, 1800 Pembrook Drive, Suite 250, Orlando, FL 32810.
2
File originals with the court
File the original written defenses with the Clerk of the Fourteenth Judicial Circuit Court in Bay County on or before the 30-day deadline to avoid default.
3
Consult an attorney
Contact a foreclosure attorney immediately to review the complaint and discuss options before the 30-day response deadline.

Frequently asked questions

What is the deadline to respond to this foreclosure notice?: You must serve written defenses and file the original with the clerk within 30 days from the first publication date.
Where do I file my written defenses?: File the original with the Clerk of the Fourteenth Judicial Circuit Court in Bay County and serve counsel at Lender Legal PLLC, 1800 Pembrook Drive, Suite 250, Orlando, FL 32810.
What happens if I do nothing about this notice?: A default judgment may be entered and the lender could proceed to foreclose and sell the property.

The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.

Legal terms in this notice

foreclose Mortgage: A legal process where a lender seeks to sell property to recover a loan after default.
default: A court judgment entered when a defendant fails to respond or appear.
complaint: The initial legal document that starts the lawsuit and states the plaintiff's claims.

Full Notice Text

IN THE CIRCUIT COURT OF THE FOURTEENTH JUDICIAL CIRCUIT
IN AND FOR BAY COUNTY, FLORIDA
Case No: 26000151CA
WILMINGTON SAVINGS FUND SOCIETY, FSB, AS TRUSTEE OF SARLES MORTGAGE LOAN TRUST,
Plaintiff,
vs.
UNKNOWN HEIRS, DEVISEES, GRANTEES, ASSIGNEES, LIENORS, CREDITORS, TRUSTEES, OR OTHER CLAIMANTS BY, THROUGH, UNDER OR AGAINST, DOROTHY WAGGONER, DECEASED; et al.,
Defendants.
NOTICE OF ACTION
TO:
SUSANNE TEALL BYNUM
339 SPIKES RD
PANAMA CITY, FL 32409
LAST KNOWN ADDRESS STATED, CURRENT RESIDENCE UNKNOWN
and any unknown heirs, devisees, grantees, creditors and other unknown persons or unknown spouses claiming by, through and under the above-named Defendant(s), if deceased or whose last known addresses are unknown.
YOU ARE HEREBY NOTIFIED that an action to foreclose Mortgage covering the following real and personal property described as follows, to wit:
COMMENCING AT THE NORTHWEST CORNER OF THE NORTHEAST CORNER (NE 1/4) OF SOUTHWEST QUARTER (SW 1/4) OF SECTION 25, TOWNSHIP 2 SOUTH, RANGE 14 WEST, THENCE NORTH 33 FEET TO THE SOUTH RIGHT-OF-WAY LINE OF RESOTO BEACH ROAD, THENCE EAST ALONG SAID RIGHT-OF-WAY 320 FEET FOR POINT OF BEGINNING, THENCE SOUTH 88.32 FEET, THENCE EAST 130 FEET, THENCE NORTH 88.32 FEET, THENCE WEST 130 FEET TO POINT OF BEGINNING. ALSO KNOWN AS LOT 14, BLOCK B, RESOTO BEACH SUBDIVISION, BEING AN UNRECORDED SUBDIVISION, BAY COUNTY, FLORIDA.
has been filed against you and you are required to serve a copy of your written defenses, if any, to it on Anthony Vamvas, Esq., Lender Legal PLLC, 1800 Pembrook Drive, Suite 250, Orlando, Florida 32810 and file the original with the Clerk of the above-styled Court on or before 30 days from the first publication, otherwise a default will be entered against you for the relief demanded in the Complaint.
WITNESS my hand and seal of the said Court on the 1 day of May, 2026.
CLERK OF THE CIRCUIT COURT
By: /s/ Christine Caswell
Deputy Clerk
#12310163; 5/13 5/20/2026