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How to Pick a Real Estate Agent

July 19, 2011 by

Buying a home may be the largest purchase for a family during their lifetime. Picking the correct real estate agent can eliminate many problems involved in the process.

Real Estate Agents Work on a Commission Basis

Real estate agents are not paid a salary. They work on a commission basis. They receive a commission only if they’re successful in selling the house.

Try to Obtain a Recommendation

The best way to find a competent and honest real estate agent is to ask your friends, family members, attorneys, accountants or other individuals who you respect for recommendations. You should practice due diligence and interview two or three real estate agents before deciding on one to represent you.

Real Estate Agents Represent the Sellers

A real estate agent is the agent of the seller. The real estate agent does not represent the buyer. They may appear to be your friend but be careful, what a real estate agent is primarily interested in is earning a living by selling homes.

Sellers Beware

Real estate agents, upon meeting with the prospective seller, want to obtain the listing. The agent will receive a commission even if he or she does not show your home. One of the things an agent may say to you in their first meeting is “I believe I have a buyer for your house”. This is a sales pitch. They may have a buyer who wants a house in your town, but they have no idea they want your house in particular. Another sales technique involves the agent telling you that they have obtained a great offer. However, this offer may be far below what you seek to obtain from the sale of your house. Remember, if a perspective purchaser makes you an offer and it is below what you want, you can make them a counter offer and meet them halfway or three quarters of the way to the price you want.

Buyers and Sellers

Buyers and sellers have different interests. A seller wants to get as much for his or her home as possible. The buyer wants to pay as little as possible. Both of them may be dealing with the same real estate broker. This may create a conflict of interest.

Real Estate Brokers Recommending Lawyers

The real estate broker you go to may recommend a lawyer to handle the real estate transaction. The broker may say this lawyer is affiliated with our office and he or she will give you a good deal. The issue you must look into is whether that lawyer really has your best interest at heart or is the real estate broker’s best interest his or her main concern. Real estate brokers refer lawyers to their prospective clients who they know will protect them with regard to their commissions. In most situations, you are better off having an independent lawyer that you obtained from another source.

Metropolitan New York Foreclosure Defense Lawyers

The New York City and Long Island foreclosure defense lawyers at the Law Offices of Schlissel DeCorpo can help you if you have a foreclosure problem. Our foreclosure defense lawyers litigate defective mortgages, defective foreclosure lawsuits, predatory lending and all other types of real estate related matters. We can explain the federal laws on foreclosure and how they affect you. We attend foreclosure court conferences for our clients.

In the appropriate situation, we will discuss foreclosure related bankruptcy issues, such as filing a Chapter 7 and a Chapter 13 bankruptcy with you. In bankruptcy situations, there is an automatic stay that goes into effect, ordered by the court, that stops foreclosure from moving forward. In some bankruptcy situations, we can eliminate second mortgages. At the end of the bankruptcy, we can assist you inre- establishing your credit.

Feel free to set up a free consultation with us. We will discuss your foreclosure options with you. Thank you for visiting our foreclosure blog.

Filed Under: Foreclosure Defense, Mortgage Modification, Uncategorized Tagged With: , , , , , , , , , , , , , , , ,

Bankruptcy and Foreclosure

July 15, 2011 by

The main reason for homes going into foreclosure in the United States is the high unemployment rate. Homeowners who lose their jobs can’t pay their mortgages and, eventually, their homes go into foreclosure.

Subprime Loans

President Obama’s programs to deal with the foreclosure crisis in the United States were originally focused on individuals who had taken out subprime loans. It was originally thought that the subprime loan crisis was the primary cause of the high foreclosure rate in the United States. But there is a new villain in the real estate crisis – constant high unemployment rates in the United States.

Federal Programs Dealing With Unemployment and Foreclosure

The Obama Administration does have programs to help individuals who have lost their jobs delay mortgage payments. Unfortunately, the programs are designed to delay mortgage payments for a period of only two months. Since the average length of unemployment is now nine months, these programs don’t work. As of the present time, only about seventy-four homeowners have qualified for these programs.

Bank Bailout Program

The Bank Bailout Program undertaken by the Obama Administration provided $46 billion for the purpose of allowing homeowners whose homes have fallen into foreclosure to keep their homes. The Treasury Department has only spent $1.85 billion dollars to date. It is estimated that more than a million homes have gone into foreclosure because of insufficient assistance from the government for unemployed Americans.

An Obama Administration spokesperson has stated the problems with the programs to assist homeowners whose homes have fallen into foreclosure and are currently unemployed are related to the fact that the programs are voluntary. It is up to the financial institutions, the mortgage servicers and the investors to decide who receives aid and who doesn’t. James Parrot, an adviser at the White House’s National Economic Counsel, stated, “We are trying to be careful in designing programs that, at the end of the day, aren’t just about spending money but getting people back on their feet.”

Home Affordable Mortgage Modification Program (HAMP)

The Home Affordable Mortgage Modification Program was designed as a foreclosure prevention initiative. Approximately 675,000 homeowners have received mortgage modifications under this program. This represents less than 10% of the homeowners who required financial aid to keep their homes from being foreclosed upon.

Department of Housing and Urban Development Program

There is a program that has been initiated by the Department of Housing and Urban Development to deal with unemployed homeowners. More than a million dollars has been allocated to finance this program. The program is designed to provide loans to homeowners who have lost their jobs. These loans can last for a period of up to 24 months. As of the present date, there are only five states that have implemented this program.

Conclusion

The foreclosure mess in the United States, initially caused by granting sub prime loans to unqualified homeowners, is further exacerbated by the unemployment crisis that continues to exist in this country.

Bankruptcy and Foreclosure

We are foreclosure defense lawyers. We help homeowners stay in their homes, even when they’re in foreclosure. We assist homeowners with mortgage modifications and mortgage modification programs that fail to meet their needs.

We litigate predatory lending issues, defective foreclosure lawsuits, defective mortgages and issues involving federal laws and foreclosure. We attend foreclosure court conferences on behalf of our clients. We discuss foreclosure related bankruptcy issues.

In the appropriate circumstances, we file Chapter 7 and Chapter 13 bankruptcieson behalf of our clients. We discuss with our clients why bankruptcy filings will be helpful to them and the types of bankruptcies available to them. Filing bankruptcy can stop foreclosures from moving forward and stop debt collection from collection agencies and collection lawyers. At the end of the bankruptcies, we can help our client in re-establishing credit. We appreciate your spending time on our foreclosure blog.

Filed Under: Foreclosure Defense, Mortgage Modification, Uncategorized Tagged With: , , , , , , , , , , , , ,

Foreclosure Horror Story

July 13, 2011 by

Warren Nyerges and his wife Maureen purchased a home from Bank of America in St. Petersburg, Florida. They paid $165,000 for a twenty-seven-hundred square foot home.

Foreclosure Proceedings Initiated on Home

Several months after paying $165,000 for the home and having no mortgage on it, Warren and Maureen were sued in a foreclosure proceeding. They originally thought this was a joke. The house had no mortgage on it. This was the start of a saga lasting almost two years. A representative from Bank of America told Warren he was not current on his mortgage. This was ridiculous; he didn’t have a mortgage.

Homeowners Sue Bank of America

Warren and Maureen eventually sued Bank of America. After painstakingly researching this situation, Warren and Maureen found out that their names were taken from their real estate contract to buy the house and placed on a previously initiated foreclosure proceeding.

Florida Attorney General Investigation

The Attorney General’s office in Florida investigated this matter. They ascertained the attorney representing Bank of America had engaged in fraudulent practices. He had overcharged homeowners in legal fees. He also brought foreclosure proceedings without having the appropriate documents showing the banks were owed money on the homes. Eventually, Maureen and Warren were able to straighten out their problem with the help of a foreclosure defense attorney.

Foreclosure Help

Is your home in foreclosure? If so, we can help you save it! We are a foreclosure defense law firm. For more than 45 years, we have helped our clients in obtaining mortgage modifications and dealing with mortgage modification programs that fail to meet their needs. We represent our clients in foreclosure defense litigation. We litigate issues involvingdefective mortgage, predatory lending, defective foreclosure lawsuits and other types of real estate issues. We attend foreclosure court conferences on behalf of our clients.

At the time of our initial consultation, we provide all foreclosure options to our clients. In situations when foreclosure related bankruptcies make sense, we discuss either filing a Chapter 7 or Chapter 13 bankruptcy. Filing bankruptcy immediately stops the foreclosure from moving forward. Sometimes the bankruptcy can also eliminate second mortgages. We discuss with our clients how to re-establish credit at the end of the bankruptcy. Feel free to call to discuss your foreclosure options. We appreciate your visiting us on our foreclosure blog.

Filed Under: Current Events, Foreclosure Defense, Mortgage Modification Tagged With: , , , , , , , , ,

Minority Groups and Bankers Fight New Mortgage Loan Rules

July 11, 2011 by

There has been an odd alliance between the NAACP, the National Council of La Raza, a Latino Civil Rights Organization and the American Bankers Association. They all are fighting new rules which will make it more difficult for minority members to obtain home mortgage loans.

The New Rules Make Mortgages Unobtainable for Some

The mortgage crisis had a greater impact on minority homeowners and low income homeowners than the rest of the populous. They were more susceptible to predatory lending practices that involved subprime loans.

The new rules sought by bank and regulators would make it difficult for low income Americans and minority individuals to obtain new mortgages. David Stevens, the CEO of the Mortgage Bankers Association stated, “But now the risk is that we go too far the other way. We still need to be able to make affordable mortgages that don’t just go to the wealthy, who can afford the biggest down payments and who have the most positive credit ratings.” He made these comments based on his organization’s opposition to the requirement that all new prospective homeowners make a 20% down payment. The fact of the matter is that most families who seek to buy a home do not have 20% of the cost of the home to lay out as a down payment.

The re-writing of the mortgage rules requires a delicate balance. During the hay day of the easy mortgages, the subprime crisis was created. We are still dealing with the aftermath of this crisis. Looking forward to home ownership is still, for many, the American dream. The rules in connection with obtaining new mortgages have to be fair and reasonable, and they should not encourage families to purchase homes they can’t afford; however, these rules should not make it impossible for low income families to obtain mortgages.

Foreclosure Defense and Bankruptcy Lawyers

We are foreclosure defense lawyers. We help homeowners stay in their homes, even when they’re in foreclosure. We assist homeowners with mortgage modifications and mortgage modification programs that fail to meet their needs.

We litigate predatory lending issues, defective foreclosure lawsuits, defective mortgages and issues involving federal laws and foreclosure. We attend foreclosure court conferences on behalf of our clients. We discuss foreclosure related bankruptcy issues.

In the appropriate circumstances, we file Chapter 7 and Chapter 13 bankruptcieson behalf of our clients. We discuss with our clients why bankruptcy filings will be helpful to them and the types of bankruptcies available to them. Filing bankruptcy can stop foreclosures from moving forward and stop debt collection from collection agencies and collection lawyers. At the end of the bankruptcies, we can help our client in re-establishing credit. We appreciate your spending time on our foreclosure blog.

Filed Under: Current Events, Foreclosure Defense, Mortgage Modification Tagged With: , , , , , , , , , , , , , , ,

Sarah Palin Buys Foreclosed Home in Arizona

July 9, 2011 by

Sarah Palin can be added to the long list of mortgage fraud victims! Palin bought a home in Scottsdale, Arizona, for 1.7 million dollars. She recently found out that her title to the home may be invalid.

Robo-signers

The robo-signer scandal involved banking institutions and mortgage companies that took title to homes without having the proper documentation. The five bedroom home bought by a company Sarah Palin had an interest in was acquired by the mortgage company through fraudulent or tainted documents. A close examination of the title documents to the property have revealed there were two fraudulent signatures involved in re-financing and foreclosure transactions with regard to this parcel of property. These two questionable issues concerning the property have raised the prospect that the mortgage company that sold the property to Sarah Palin didn’t have good title to the property. It is expected that there will be significant litigation, that will take years to straighten out, as to whether Sarah really is the owner of this property.

Conclusion

When you buy a foreclosed property, make sure you obtain title insurance. If you cannot get title insurance on the property, you are taking the risk that the property you thought you owned is owned by someone else!

Foreclosure Defense In New York

If your house is in foreclosure, we can help you. We’ve been fighting foreclosuresfor more than two decades. We litigate defective mortgages, defective foreclosure lawsuits, predatory lending, violations of federal laws and other real estate issues. We can help you obtain mortgage modifications and we can counsel you concerning mortgage modification programs that fail to meet your needs.

We also assist our clients with foreclosure related bankruptcies. These bankruptcies can either be a Chapter 7 or Chapter 13 bankruptcy. We will explain to you why filing bankruptcy may be the best route to deal with your foreclosure issues and the types of bankruptcies that are available to you. Filing the bankruptcy stops foreclosure proceedings from moving forward. It also stops other debt collection activities involving credit cards and other debts.

Feel free to schedule a free consultation. We will explain your foreclosure optionsto you. Thank you for visiting our foreclosure blog.

Filed Under: Current Events, Foreclosure Defense, Mortgage Modification Tagged With: , , , , , , , , , , , , , , ,

Neighborhoods Affect Home Values

July 8, 2011 by

Home buyers will pay premiums for homes they perceive are located in country club communities. Subdivisions with attractive names such as pleasant, acres, hills, estates and heights are utilized by real estate professionals to motivate homeowners to purchase in these communities. The naming of a neighborhood is now a major consideration in the marketing of homes.

Investigate Before You Buy

Just because a subdivision or neighborhood has a fancy, slick name does not mean it is a fancy or attractive neighborhood. Before purchasing a home, you should look into the infrastructure of the area. Schools, parks, recreational facilities, senior facilities, crime in the area and services provided the local communities are significant issues to be investigated prior to purchasing a home. Due diligence requires that you investigate in detail before you purchase a home. Drive around the neighborhood. Talk to neighbors. Come to the area at various times of day or night. See how far the schools are from your home. Check with the various rating services as to the quality of the schools. Look into criminal statistics for crimes in the area. Look carefully before you leap when you buy a new home!

Defending Foreclosure Proceedings

The Law Offices of Schlissel DeCorpo handles foreclosure defense for homeowners. We litigate all aspects of foreclosure proceedingsincluding, but not limited to, defective foreclosure lawsuits,defective mortgages, predatory lending issues, bad faith, and other real estate legal issues. We attend foreclosure court conferences for the clients we represent. We also assist our clients in the preparation of mortgage modification applications, as well as deal with mortgage modification programs that are unresponsive to our clients’ needs.

In certain situations, foreclosure related bankruptcies can be utilized to stop foreclosures from moving forward. Upon filing either a Chapter 7 or a Chapter 13 bankruptcy, the bankruptcy court issues an automatic stay that stops the foreclosure lawsuit from moving forward. It should be noted that bankruptcy proceedings are brought in the United States Bankruptcy Court, while foreclosure proceedings are brought in New York State Courts.

For our clients who file bankruptcy, we can sometimes eliminate second mortgages. We also can assist our clients in re-establishing their credit after filing bankruptcy. Should you have questions as to what type of bankruptcy would be appropriate for you or whether there is other alternatives related to foreclosure defense, feel free to contact us. At your initial free consultation, we will discuss all of your foreclosure options. We look forward to seeing you again on our foreclosure blog.

Filed Under: Current Events, Foreclosure Defense, Mortgage Modification Tagged With: , , , , , , , ,

The Economy is Starting to Recover, but not for Home Builders

July 7, 2011 by

One of the most severely impacted industries in the United States has been the home construction industry. Stocks on the various stock exchanges have been recovering. Consumers have started to spend for consumer related items in stores. However, home builders have seen no recovery in their industry.

Foreclosures Flood the Market with Homes

There is a glut of homes on the real estate market for sale today. A significant amount of these homes have been taken back by financial institutions as a result of foreclosures. New home sales continue to slump. The huge number of foreclosed homes in the market place that are waiting to be sold have brought down the price of homes.

Home Builders Barely Holding On

New construction of single family homes has undergone a recession for more than six years. The few remaining home builders that have not filed for bankruptcy or gone out of business are barely holding on.

Higher Commodity Prices

In addition to the lack of consumer demand for new homes and the glut of foreclosed homes on the housing market, the cost of new materials has also been a negative factor for new home construction. Commodity prices of every type of building material have been increasing. All commodities must travel by truck to reach stores. The cost of gasoline acts as a tax on all commodities, causing their prices to go up.

Most home builders have scaled down their projects, reduced their employees and cut their costs. Instead of building new homes, the large majority of these small and mid- sized contractors are now involved in home remodeling. Instead of building a new house, they now redo the kitchens and bathrooms.

New York Foreclosure Defense

We can keep you in your home if it is foreclosed upon. The banks fear our law firm. The dozens of cases in which we have kept home owners in their homes for many years are a testament to our expertise in handling foreclosure defense matters.

We litigate all types of foreclosure related matters including, but not limited to, truth in lending violations, defective mortgages, bad faith, violation of federal and state laws, inadequate documentation of the foreclosures, failure to file the appropriate documents with the county clerks office, defective foreclosure lawsuits, predatory lending and other real estate related matters. We attend foreclosure court conferences for our clients. We utilize the court legal system and try to motivate the financial institutions to provide our clients with mortgage modifications.

In some circumstances, we file Chapter 7 and Chapter 13 bankruptcies on behalf of our clients. Foreclosure related bankruptcy filings result in automatic stays from the bankruptcy court, which stop foreclosure proceedings from moving forward. In addition, the filing of a bankruptcy can eliminate credit card debt and sometimes eliminates second mortgages. We also help our clients in re-establishing their credit after they file bankruptcy.

Feel free to contact us. We will provide you with a free consultation and discuss your foreclosure options. Thank you for stopping at our foreclosure defense blog.

Filed Under: Current Events, Foreclosure Defense, Mortgage Modification Tagged With: , , , , , ,

Renting an Apartment

July 6, 2011 by

Do you seek to rent an apartment? Has your house been foreclosed upon, or are you just looking to move out of your home?

Credit Issues

Most landlords do credit checks before renting an apartment. If you have bad credit, renting an apartment may be difficult for you. If your home has been foreclosed upon, your previous good credit may have been ruined by the financial institution bringing the foreclosure proceeding. If your credit rating is low, you may need to have a friend, family member or relative co-sign the lease for you.

Finding Apartments Online

Prior to the internet, most apartments were found either in the newspapers or by word of mouth. With the advent of the internet, the easiest way to find a new apartment is to go on one of the many websites that list apartments to be rented. While sitting at your computer, in your home, you can find much more about an apartment today than previous generations could. There are various services that can be utilized to find prospective apartments. Apartmentrating.com and Apartmentsearch.com are two of these services. These services include information with regard to the availability of rental apartments, the cost of the apartments, the cost of the utilities to maintain the apartments and other issues, such as whether the apartments will accept pets.

Deposits

Landlords like deposits. If you find an apartment you like but you’re not sure you want to rent it, a way of reserving it with the landlord will be to offer the landlord a deposit. Landlords take tenants much more seriously when they are prepared to put a deposit down on an apartment.

Good Luck

If you’re renting an apartment, we wish you good luck. Unfortunately, there are unforeseen problems that are not always discovered until after you rent. These can involve unruly and noisy neighbors, cockroaches, bed bugs, and the failure of a landlord to properly maintain the apartment after you rent it. So, luck is a factor in apartment rentals!

Lawyers Who Help Deal With Foreclosures

The Law Offices of Schlissel DeCorpo handles foreclosure defense lawsuits throughout the metropolitan New York area. We have more than two decades of experience in successfully defending foreclosure proceedings. We litigate bad faith issues, predatory lending issues, defective mortgages, defective foreclosure lawsuits and all other types of real estate related matters. We attend foreclosure court conferences on behalf of our clients. We assist our clients with mortgage modification applications and we help them deal with mortgage modification programs that fail to meet their needs. At the time of the initial interview, we discuss all types of foreclosure options with our clients.

In some situations, the best means to deal with the foreclosure is to file a foreclosure related bankruptcy. Bankruptcies not only stop foreclosures from moving forward, they eliminate other types of debt such as credit card problems. Chapter 7 and Chapter 13 bankruptcies are both available to consumers whose homes are in foreclosure. The bankruptcies can also be utilized, in some situations, to eliminate second mortgages. At the end of the bankruptcy, we assist our clients in re-establishing their credit. Come in to our office to discuss the type of bankruptcy that would help you. We appreciate your spending time on our foreclosure defense blog.

Filed Under: Current Events, Foreclosure Defense, Mortgage Modification Tagged With: , , , , , , , , ,

Foreclosure Lawyers

July 1, 2011 by

New Home Sales

The good news is that the sale of new homes in April of 2011 was up. The bad news is, if new home sales continue at their current pace for the rest of 2011, it will be the worst year for new home sales since records started to be kept more than fifty years ago!

There were 303,000 new home sales in the United States in April of 2011. This was an increase of 3,000 more sales from the 300,000 sales that took place in March of 2011. Overall, economists forecast that there will be 700,000 fewer home sales in the United States this year than will be necessary for the real estate industry to recover.

Demotivated Purchasers

Buyers are not buying new homes. They feel they are too expensive. The high foreclosure rate and the glut of homes already on the market make it more reasonable for a purchaser to buy an existing home instead of a new home. 2011 looks to be the fifth year in a row that showed a decline in new home sales.

The medium price for a new home today is $214,000. This is the same price that it would have cost you to buy that home in 2004. New homes sales in the United States account for approximately a quarter of the real estate market. However, new homes sales have a much greater impact on the overall economy. Every time a new home is built it creates three new jobs. New homes have an impact of more than $90,000 on the local tax rates in their community. When purchasers buy a new home, they also generally buy other items related to their home, such as furniture and appliances.

Home Builders in Trouble

Home contractors have been waiting for years for the economy to improve. They are afraid to build spec houses in a negative economic environment. They don’t want to be stuck with them, as their value continues to erode. Unfortunately, the 1.2 million foreclosures that are anticipated to take place in 2012 will further glut the real estate market and have a continuing long term negative impact on the home building industry in the United States!

Foreclosure

The Law Offices of Schlissel DeCorpo handles foreclosure defense for homeowners. We litigate all aspects of foreclosure proceedings including, but not limited to, defective foreclosure lawsuits, defective mortgages, predatory lending issues, bad faith, and other real estate legal issues. We attend foreclosure court conferences for the clients we represent. We also assist our clients in the preparation of mortgage modification applications, as well as deal with mortgage modification programs that are unresponsive to our clients’ needs.

In certain situations, foreclosure related bankruptcies can be utilized to stop foreclosures from moving forward. Upon filing either a Chapter 7 or a Chapter 13 bankruptcy, the bankruptcy court issues an automatic stay that stops the foreclosure lawsuit from moving forward. It should be noted that bankruptcy proceedings are brought in the United States Bankruptcy Court, while foreclosure proceedings are brought in New York State Courts.

For our clients who file bankruptcy, we can sometimes eliminate second mortgages. We also can assist our clients in re-establishing their credit after filing bankruptcy. Should you have questions as to what type of bankruptcy would be appropriate for you or whether there is other alternatives related to foreclosure defense, feel free to contact us. At your initial free consultation, we will discuss all of your foreclosure options. We look forward to seeing you again on our foreclosure blog.

Filed Under: Current Events, Foreclosure Defense, Mortgage Modification Tagged With: , , , , , , , , , , ,

Buying a Home in a Distressed Market

June 29, 2011 by

Adam Letman Bailey is the author of “Finding the Uncommon Deal.” It is his belief that this is the best time to buy a home. Adam believes that the key to finding a good deal regarding the purchase of a home is to have the right information. In his book, “Finding the Uncommon Deal”, he talks about becoming an expert regarding the circumstances involved in your local real estate market.

He makes three specific recommendations: 1) Limit the geographic area in which you’re looking to buy a home; 2) For a short period of time, look intensely at that local market place; and 3) Look at as many properties as humanly possible.

Developing Your Own Expertise

Adam, in his book, suggests you develop your own expertise as to what is a good value in your local market place. For you to spot a bargain, you need to know what constitutes a bargain. He strongly suggests you limit your foray into the real estate market in to one or two local areas.

Distressed Properties

Adam suggests that if you’re considering buying a distressed property, contact the bank directly. See if they will talk to you and provide you with financing to buy a home they took back in foreclosure.

Credit Scores

Before even looking for a home, Adam suggests that you research your credit score. If you’re credit score is not up to par, it is important that you rehabilitate your credit score before applying for a mortgage.

Adam’s book suggests that the real estate market of foreclosed homes represents a unique buying opportunity for prospective homeowners. He believes you can buy homes for speculation and make huge profits or simply buy the home of your dreams at an extremely reasonable price.

Adam makes it clear that he does not believe the real estate market will come back for a long time. He advises in his book that if you buy a home, plan on living there for a minimum of seven years. He believes that real estate prices may continue to drop for several more years before they recover.

Foreclosure Defense

We are foreclosure defense lawyers. We help homeowners stay in their homes, even when they’re in foreclosure. We assist homeowners with mortgage modifications and mortgage modification programs that fail to meet their needs.

We litigate predatory lending issues, defective foreclosure lawsuits, defective mortgages and issues involving federal laws and foreclosure. We attend foreclosure court conferences on behalf of our clients. We discuss foreclosure related bankruptcy issues.

In the appropriate circumstances, we file Chapter 7 and Chapter 13 bankruptcies on behalf of our clients. We discuss with our clients why bankruptcy filings will be helpful to them and the types of bankruptcies available to them. Filing bankruptcy can stop foreclosures from moving forward and stop debt collection from collection agencies and collection lawyers. At the end of the bankruptcies, we can help our client in re-establishing credit. We appreciate your spending time on our foreclosure blog.

Filed Under: Current Events, Foreclosure Defense, Mortgage Modification Tagged With: , , , , , , , , , , , , , , ,

Foreclosure Defense in Valley Stream, Lynbrook, Baldwin, Malverne, Freeport, Oceanside, Long Beach, Elmont, Lakeview, West Hempstead, Hempstead, Merrick and Bellmore, New York

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Attorney Elliot S. Schlissel

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The information you obtain at this website is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your particular legal issue. This is attorney advertising.

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Disclaimer: The information you obtain at this website is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your particular legal issue. This is attorney advertising.