What is a Notice of Action?

A Notice of Action informs a party that a legal action has been initiated against them.

How do I respond to a foreclosure notice?

You must serve your written defenses to the plaintiff's attorney within 30 days.

What happens if I ignore this notice?

Ignoring the notice may result in a default judgment against you.

Where do I file my response?

File your response with the Clerk of the Circuit Court in Panama City.

Action to foreclose a mortgage on property in Bay County, Florida.

Official Courthouse Record · AI-summarized for clarity

Published: Feb 1, 2026 · 2 months ago
Category: Foreclosure
City: Panama City Beach
Address: 172 WHITE CAP WAY, PANAMA CITY BEACH, FL 32407-4556
Case #: 25001145CA

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What You Should Do Next

1
Contact Plaintiff's Attorney
Reach out to eXL Legal, PLLC at 12425 28th Street North, Suite 200, St. Petersburg, FL.
2
File Your Defense
Submit your written defenses within 30 days of the first publication date.
3
Visit the Clerk's Office
Go to the Clerk of the Circuit Court at 300 E Fourth St, Panama City, FL.
4
Request ADA Assistance
If needed, contact the ADA Coordinator at least 7 days before your court appearance.

Frequently Asked Questions

What is a Notice of Action?: A Notice of Action informs a party that a legal action has been initiated against them.
How do I respond to a foreclosure notice?: You must serve your written defenses to the plaintiff's attorney within 30 days.
What happens if I ignore this notice?: Ignoring the notice may result in a default judgment against you.
Where do I file my response?: File your response with the Clerk of the Circuit Court in Panama City.

The above suggestions and answers are AI-generated for informational purposes only. They may contain errors. NoticeRegistry assumes no responsibility for their accuracy. Consult a qualified professional before taking action.

Full Notice Text

Notice of Action
IN THE CIRCUIT COURT OF THE FOURTEENTH
JUDICIAL CIRCUIT IN AND FOR BAY
COUNTY, FLORIDA
 
CASE NO. 25001145CA
 
MIDFIRST BANK
             Plaintiff,
  v.
 ARIELLA SOMECH, ET AL.
             Defendants.
                        /
 NOTICE OF ACTION
 
TO:     ARIELLA SOMECH,
 
            Current residence unknown, but whose last known address was:
            172 WHITE CAP WAY, PANAMA CITY BEACH, FL 32407-4556
            YOU ARE NOTIFIED that an action to foreclose a mortgage on the following property in Bay County, Florida, to-wit:
 
LOT 235 OF PALM COVE PHASE THREE, ACCORDING TO THE PLAT THEREOF AS RECORDED IN PLAT BOOK 20, PAGE(S) 76 &amp; 77, OF THE PUBLIC RECORDS OF 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 eXL Legal, PLLC, Plaintiff's attorney, whose address is 12425 28th Street North, Suite 200, St. Petersburg, FL 33716, within thirty (30) days after the first publication of this Notice of Action, and file the original with the Clerk of this Court at 300 E Fourth St, Panama City, FL 32401, either before service on Plaintiff's attorney or immediately thereafter; otherwise, a default will be entered against you for the relief demanded in the complaint petition.
            WITNESS my hand and seal of the Court on this            day of                            , 2026.
 
                                                                        Bill Kinsaul
                                                                        Clerk of the Circuit Court
(SEAL)                                                                      
 
                                                            By:      Christen Caswell
                                                                        Deputy Clerk
 
                                                                        Publish in:
                                                                        Panama City News Herald
 
If you are a person with a disability who needs any accommodation in order to participate in this proceeding, you are entitled, at no cost to you, to the provision of certain assistance. Please contact the ADA Coordinator by mail at P. O. Box 1089, Panama City, FL 32402 or by phone at (850) 747-5338 at least seven (7) days before your scheduled court appearance, or immediately upon receiving this notification if the time before the scheduled appearance is less than seven (7) days. If you are hearing impaired, please call 711 or email ADARequest@jud14.flcourts.org.
January 25, February 1 2026
LSAR0445218