Secondly do call the Florida State Attorney general's office and the Florida real Estate commission and ask them for their advice. Specifically ask if they advise you to have an attorney. (Every state is different and I'm not familiar enough with Florida's specific laws to know whether an attorney is going to be necessary or not. Here in North Carolina it is unless you don't mind getting screwed to the wall by the bank) If they do advise you that this would be wise, make this your next call.
Finally you can speak with a Realtor and at that point you'll have good information for them, and can focus on finding one who is an experienced agent who has handled many short sales so you know you'll be working with someone who knows the in and outs of this niche.
Will I get a clean settlement with no deficiency Judgements?
Is your company an attorney based firm?
How long will my credit be bad for?
How long will this take?
1) You should know that they have processed many short sales before.
2) That they are proficient at handling the bank, or have representation to do that.
3) They should ask the questions of what type of loan it is, FHA, VA or conventional, who the loan is with and if there is more than one loan.
4) They find out if you qualify as primary home, 2nd home or investment and be able to tell you what each would do for you.
5) They have taken courses educating them on short sales.
Basically, you need a good Realtor who will push to get these files through, as a passive realtor will not work well for you.
I am an experienced short sale realtor and would love to assist you if you have not already chosen.
Regards and Happy Thanksgiving,