On December 28, 2009, the Florida Supreme Court mandated mediation for Floridians who are in danger of losing their homes through foreclosure.  Mediation enables troubled homeowners and their attorney to meet with their lenders at the bargaining table to renegotiate the terms in their mortgage and address other issues and circumstances surrounding the borrower’s default.   The Mediator is an impartial and neutral third party.  In the managed foreclosure mediation cases, he or she must be Circuit Court certified and specially trained in foreclosure law and mortgage modification issues.  Mediation will help decide if modifying the loan terms or if another remedy, such as short sale or deed in lieu of foreclosure, is a more appropriate and reasonable solution.