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Foreclosure Defense If you are in the middle of a lawsuit, or maybe you are facing foreclosure, or you might have had bad experiences with loan modification companies, or maybe you are just trying to fight back your mortgage company because you are trying to negotiate a successful loan modification, we are here to help you. We will perform closing documents examinations, securitization examinations, loan payment history examinations, etc. in order to find those violations perpetrated by the mortgage industry in your particular loan. We will use Federal Laws (such as RESPA, TILA, FDCPA) and local rules to create leverage in the negotiation process. With that ammunition we will fight back your foreclosure, stop your foreclosure and get a loan modification for you. Read more → |
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| Loan Modifications
When you are desperate trying to get help, you probably hired loan modification companies that did nothing else than taking your money month by month. They fill out loan modification applications that you could have done by yourself. The end result is that they get a denial letter from the mortgage company and you end up with nothing but a bill to pay to the loan modification company. Those are scams, scam artists that take your money and do nothing to help you. Read more → |
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| What is Bankruptcy?
A voluntary bankruptcy case is a legal proceeding brought by a debtor in The United States Bankruptcy Court to discharge certain debts. Its purpose is to give debtors a "fresh start" by discharging or canceling their debts and provide equity to their creditors by fairly distributing the debtor's non-exempt assets among them. From the moment the petition is filed, the automatic stay stops foreclosures, wage garnishments, lawsuits and collection calls. In a Chapter 7 case, qualifying debts such as credit cards, medical bills and personal loans are discharged, while exempt property is protected. In a Chapter 13 case, the debtor keeps his or her property and pays through a court-approved plan of three to five years, which allows homeowners to catch up on mortgage arrears and save their home from foreclosure. |
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Short Sale and Short Payoff
If you owe more on your property than it is worth, we negotiate with your lender so that you can get out of the debt without a foreclosure judgment. In a short sale, the property is sold for less than the mortgage balance and the lender accepts the proceeds to release its lien; in a short payoff, you keep or refinance the property and the lender accepts a reduced lump sum as payment in full. We prepare and submit the hardship package, dispute unrealistic valuations, negotiate the amount the lender will accept and the release of other liens, and seek a written waiver of any remaining balance through the closing. Read more → |
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Personal Injury
If you have been injured because of someone else’s negligence —a car, truck or motorcycle accident, a slip and fall on unsafe property, a construction site accident or an accident on public transportation— you may be entitled to compensation for your medical expenses, lost wages, and pain and suffering. We investigate the accident, gather the evidence, medical records and witness statements, and deal with the insurance companies on your behalf, negotiating a fair settlement or taking your case to court when necessary. In New York the time to file a claim is limited, so it is important to act promptly. Read more → |
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