90 Day Notice Requirement Not Complied With

90 Day Notice Requirement Not Complied WithThe plaintiff in this case, a financial institution, had appealed an order denying it summary judgment of foreclosure. A summary judgment motion is a motion that states there is no question of fact and the financial institution should be entitled to enter a judgment of foreclosure and sale without taking the case to trial. As stated earlier, the bank lost this motion and they appealed the loss of the motion. The appeal went to the Appellate Division of the 2nd Department.

The Issue On Appeal

The issue with regard to the appeal was Real Property Actions and Proceedings Law Section 1304 (2) This section requires a homeowner receive 90 days notice prior to the initiation of a foreclosure lawsuit. The Appellate Court found the “notice required by this section shall be sent…in a separate envelope from any other mailing or notice.” This was a strict interpretation of the statute.

The Bank’s Problem

The bank in this case acknowledged the envelope it had sent to the homeowner’s contained the required notice under Real Property Actions and Proceeding Laws Section 1304 but it also included other information in 2 separate and distinct notices. The Appeals Courts ruled the bank did not comply with Real Property Actions and Proceedings Law Section 1304.The appeals court found the bank had not strictly complied with the requirements of this section of the law. Therefore the bank failed to satisfy a condition precedent before it could bring its foreclosure lawsuit. The court went on to hold this strict approach precluding any additional materials to be contained in the same envelope with the notice required under Real Property Actions and Proceedings Law 1304 “promotes stability and predictability.” in foreclosure cases. The decision of the lower court ruling against summary judgment for the plaintiff and dismissing the lawsuit was sustained.

Conclusion

Is the purpose of the 90 day notice under Real Property Actions and Proceedings Law Section 1304 is to give the homeowner’s specific notice they are in default on their mortgage and that they have 90 days to cure the default or a foreclosure lawsuit will be initiated against them to take back the house. This strict interpretation of this section by the appeals courts is designed to clarify to the homeowner the serious nature of this notice and the need to deal with being behind on their mortgage payments prior to the foreclosure lawsuit starting after 90 days.

schlissel-headshotElliot S. Schlissel is a foreclosure defenses lawyer who has been helping homeowners form more than 3 decades. He can be reached at elliot@sdnylaw.com or 516-561-6645, 718-350-2802, 631-319-8262.

Who Is Eligible for the $539 Million Dollars Homeowners Assistance Program?

Homeowners Assistance ProgramThere is approximately $539 million dollars allocated from federal funds to assist homeowners facing foreclosure and other financial issues. There are specific requirements regarding who is eligible for these funds. Homeowners who earn less than the average median income which is approximately $107,400 for a family of 3 are eligible to participate in this program. In addition, homeowners who earn less than 150% of the area median income and meets the federal requirements of “socially disadvantaged” which includes “those who have been subjected to racial or ethnic prejudice”.

In addition to the aforementioned requirements, to qualify homeowners will have to demonstrate some kind of financial hardship. Examples of financial hardships could be loss of income or added expenses that have been caused or are related to the covid-19 pandemic. The individuals who seek aid must actually live in the home that they seek the money for. The home must be their primary residence. The primary residence can be single family homes, condos, co-ops , mobile homes or 2-4 family homes.

Three Options

There are three different options within the Homeowners Assistance Program. The first option is for homeowners with a mortgage who are ending forbearance agreements and homeowners who didn’t go into forbearance and are behind on their mortgage payments. Financial relief is available to these homeowners in a five year forgivable loan for an amount of money needed to modify the mortgage in a way that can allow the homeowner to better afford going forward. Homeowners under option one can receive up to $50,000.

Option 2 is for homeowners who don’t have a mortgage but are behind on expenses such as property taxes, water bills, insurance or condo or co-op fees. The relief is a five year forgivable loan for the amount of the debt that is owed. The amount of the forgivable loan is capped at $50,000.

The third option is in addition to one of the first two options. This is for homeowners who are unemployed or who are unable to keep up with the costs of maintaining their housing. For homeowners to qualify for the third option they must be making less than 30% of the area median income before the pandemic. For a homeowner to qualify for the third option, they can receive up tp six months of future housing payments to stay afloat as the economy recovers. These six payments are in addition to the other relief and will be funded through a different group of federal funds called the Community Development Block Grants.

Portals are in the process of being developed according to the Department of Homes and Community Renewal. This will allow homeowners to apply online or over the phone through a housing counselor.

schlissel-headshotThe law office of Schlissel Decorpo, LLP is available to help homeowners facing foreclosure, in foreclosure and facing other financial problems that have put their homes at risk of being lost. We can be reached at 800-344-6431 or by email at info@sdnylaw.com

Federal Funds Available to Help Homeowners in Foreclosure

Federal Funds Available to Help Homeowners in ForeclosureHomeowners facing foreclosure who are either behind on their mortgages, their property taxes or other housing related expenses can receive up to $50,000 in financial assistance through New York State’s recently approved Homeowners Assistance Fund. The State of New York has received $539 million dollars in financial assistance for homeowners pursuant to the American Rescue Plan Act. On December 2, 2021 the United States Treasury approved the implementation of a plan in the State of New York with regard to the distribution of $539 million dollars to homeowners facing financial difficulties and foreclosure.

Under the American Rescue Plan Act, households must have experienced a financial hardship caused by the covid-19 pandemic and earn at or below 150% of the median income in their area. Governor Hochul is in the process of unveiling an outreach campaign targeted to homeowner’s at risk of foreclosure. Although applications are currently not available they will be available in the near future.

539 Million Is Not Enough

Kristen Keef, the senior attorney for the Empire Justice Center has recently stated “I think everyone generally thinks $539 million will not be enough in cash assistance for homeowners”. Kristen Keef has indicated there are between 400 thousand and 500 thousand New York homeowners who are behind on their mortgage payments. From September 29th through October 11, 2021 the delinquency rate among homeowners in New York State was over 13%. The delinquency rate is higher among black and Latino homeowners. It is estimated that up to 35% of black homeowners were late on their mortgage payments. This is a rate 5 times higher than the rate for white homeowner’s that have a delinquency rate of approximately 7%. The delinquency rate for Latino homeowners has been approximately 16%.

The last prior peak delinquency rate in New York State was in 2012 when 8.3 percent of mortgage payments were more than 30 days behind. Ms. Keef went on to state “obviously they were using different data back then and different methodology, potentially than today, but I think suffice it to say that the delinquency rate is much higher today than when we thought it was really awful in 2009, following the subprime mortgage lending crisis and great recession. Ms. Keef has indicated the $539 million dollars that is available will fall far short of being able to help all of the people in need of assistance.

schlissel-headshotThe law office of Schlissel Decorpo, LLP is available to help homeowners facing foreclosure, in foreclosure and facing other financial problems that have put their homes at risk of being lost. We can be reached at 800-344-6431 or by email at info@sdnylaw.com

$539 Million Dollars Available to Help Homeowners in Foreclosure

Homeowners in ForeclosureOn Thursday, December 4, 2021, New York State became the first state in the United States to receive United States Treasury approval for $539 million in a Homeowner Assistance Fund to aid individuals whose homes are in foreclosure. Governor Kathy Hochul is working on plans to unveil a statewide outreach program for at risk homeowners.

The Homeowners Assistance Fund will allow homeowners in New York State to receive financial aid regarding foreclosures on mobile homes, single family homes and elderly homeowners who have taken out reverse mortgages will also qualify for assistance. The Homeowners Assistance money was part of the $1.9 trillion dollar law enacted by Congress and the Biden administration to keep Americans “experiencing hardships associated with the pandemic” in their homes. The money is being allocated to both states, Native American tribes and United States territories.

The Homeowners Assistance Fund is separate from the $47 billion dollars that the United States government is giving to states to provide funds for rental assistance to tenants facing eviction. These funds are also included in the American Rescue Plan. An internet portal will eventually be set up. Homeowners will be able to file applications for assistance through the portal. This is a unique opportunity for homeowners either in foreclosure or facing foreclosure to use federal funds to deal with these issues.

schlissel-headshotThe law office of Schlissel Decorpo, LLP is available to help homeowners facing foreclosure and facing other financial problems that have put their homes at risk of being lost. We can be reached at 800-344-6431 or by email at info@sdnylaw.com.

FRESH SUMMARY OF NEW YORK’S FORECLOSURE LAWS

FORECLOSURE LAWSRestricted lenders must comply with temporary NYS foreclosure laws protecting homeowners who’ve declared a COVID-19 hardship. Here’s a summary of changes effective May 1, 2021 until August 31, 2021, when statewide foreclosures will resume.

Here to Stay?

The Senate and House Assembly recently passed a legislative suspension of the entire New York State foreclosure eviction process. Enacted last December, the COVID-19 Emergency Eviction and Foreclosure Prevention Act of 2020 expired earlier this month. Two days later, a gubernatorial extension extended the Act retroactively to apply to all residential and commercial mortgage loans affected by loss of income and other disruptive factors related to the health crisis.

Moratoriums are staying for a few more months. Title 13 of New York’s merged laws requires the debtor to file a Declaration of Hardship form and file it with the foreclosing party, agent, or county court. A properly filed hardship declaration qualifies homes loan and forbids:

  • Tax lien sales and tax foreclosures during the suspension period
  • New foreclosure filings, settlement conferences, acceleration and other steps typically involved in a foreclosure
  • Forced sales at auction, Default Judgments, Deficiency Judgments, and removal of owners/mortgagors, occupants, and tenants until August 31, 2021
  • Reporting accounts with missed or severely delinquent payments to credit bureaus, using forbearance or hardship declarations as a reason to deny future credit applications or negatively affect credit ratings

And allow access to other options to mitigate loss or avoid foreclosure, such as these:

  • twelve-month forbearance for non-government backed mortgages
  • Federal aid package of $20,000,000, secured by state officials and allocated for homeowner grants and the Homeowner Protection Program (HOPP), an organization created to help connect with programs and agencies that assist with mortgage payments and resources to avoid losing your home.

If you have a pending foreclosure case in progress, you will receive a copy of the Hardship Declaration in the mail. This will come from the court. Newly filed foreclosures require the lender or servicer to send mortgagees aAll legally required pre-foreclosure notices must accompany the form. You may access a blank copy of the Hardship Declaration forms on the Office of Court Administration’s website.

Hardship declaration is an option available for borrowers owning no more than to ten residences, including condos and co-ops. Industry professionals strongly

Opponents of the Act have complained about losses incurred by creditors. They believe the law favors borrowers and denies lenders their constitutional right to have non-payment disputes heard in a court of law. They dismiss counter defenses from supporters, who point to the provisional right of lenders and services to charge and collect interest, late fees, and other penalties set forth in the mortgage agreement.

Times of Lien

New York is a “lien theory” state. What that means is most foreclosures are usually judicial. They begin when a lender has filed a civil lawsuit against the borrower in loan default. It will cause a court case over which a judge presides until a settlement, dismissal or judgment order is affirmed, if appealed.

Sometimes, lenders can use a “non-judicial” type of foreclosure procedure in New York. However, this is rare. It requires an existing “power of sale” clause in the required instruments, which is a Deed the loan recipient executed in the original note. It allows a lender to sell the property on behalf of the borrower, should a default situation arise.

Deal or No Deal?

State law gives the borrower a chance to work things out with the lender. First, the filing party proves they served the complaint to the defendant by one of several means specified by law. They file the verification of service with the clerk’s office. Then, 60 days later, the court schedules a Settlement Conference on their docket. The court will notify you regarding when and where the conference is going to take place, along with what you should bring as documentation. (N.Y. Civil Practice Rule 3408). At the Settlement Conference, the borrower and lender can negotiate a solution to avoid foreclosure.

Money Changes Everything

Per New York property law, they may reinstate a mortgage loan before the Judge will dismiss the lawsuit. The amount the borrower must pay to be reinstated includes fees and costs, besides the past due amount. Also, if you become able to pay that total after judgment is rendered, but before the foreclosure sale takes place, your court case is stayed, and the mortgage is reinstated.

No Givebacks?

In some states, a defaulting borrower has a “redemption” right. This allows a specific amount of time to buy back the residence after a foreclosure sale. The timeframe to redeem a home varies among state, and there are two ways it can be done, depending on the state:

  1. Reimburse the buyer of the home in the amount paid at the sale, plus allowed costs.
  2. Repay the lender the amount of the total mortgage debt owed, plus interest, late fees, and expenses.

Unfortunately, redemption periods aren’t permitted in New York. On the other hand, a foreclosure attorney can give clients peace of mind if they are seeking advice on how to buy a foreclosure in NY.

Are We Even?

Sometimes, residential property is sold for less than the total mortgage debt owed. New York’s Consolidated Laws grant lenders a right to submit a Motion for Deficiency Judgment against the borrower for the remaining difference. The motion must be filed no later than 90 days following the consummation of the sale. Once the deed to the property is delivered to the new owner, they consider the sale consummated by law. The court must follow state law, which determines deficiency as the higher of two amounts:

  • Fair Market Value OR
  • Sales price

The potential for being on the hook for the balance is a good reason to consider hiring a property attorney who is familiar with foreclosure laws in NY and can offer expert advice and legal strategies that minimize or eliminate your liability.

No “R” in Fee

Sadly, there are those who have targeted vulnerable folks in this predicament. Their goal is to gain the equity remaining in a home facing foreclosure and even offer loan modification services for the title to the property at risk. Some fulfill their promises, but that’s irrelevant because it is illegal to offer foreclosure relief for a fee. Homeowners should never have to pay a fee to change a loan or explore options to avoid losing their home. HOPP and the federal government will assist you with no cost. Think about it like this: if you don’t have the money to pay your monthly mortgage payment that’s past due, how will you afford a fee charged for an otherwise free service? It’s money that would be better spent toward the debt or competent legal help.

schlissel-headshotElliot S. Schlissel, Esq. is a foreclosure lawyer representing homeowners in foreclosure lawsuits throughout the Metropolitan New York area. He can be reached for a free consultation at 800-344-6431 or e-mail at Elliot@sdnylaw.com.

Bank fails to move on a timely basis for a default judgment; foreclosure case dismissed

Bank fails to move on a timely basis for a default judgment; foreclosure case dismissedIn a case before Justice Arlene Bluth in Supreme Court in New York County a bank brought an application for a default judgment against defendants. The bank also requested the appointment of a referee to compute the sums due and owing to the bank in the foreclosure lawsuit. The defendants made a cross application to dismiss the foreclosure lawsuit. The defendants claimed the bank had abandoned the foreclosure.

History of the Case

The homeowner had executed a note and mortgage. The note and mortgage was assigned to the bank who is the plaintiff in the lawsuit. The bank’s foreclosure lawsuit claimed that the homeowner had failed to make payments from November 1, 2008 to the present time. The foreclosure lawsuit was initiated on March 9, 2019. The homeowner failed to answer or appear in the foreclosure case. The bank did not take action until they were ordered to do so with regard to the motion appointing the referee to sell the house. At that point the bank sought a default judgment against the homeowners. The bank presented arguments there was sufficient basis for the delay in moving for a default judgment. They claimed the delay was caused by the substitution of the attorneys for the bank. However, Justice Bluth took note the new lawyers were substituted in 2015. She found the bank had failed to move forward for a default judgment until it was ordered by her to do so. She found the bank failed to establish a reasonable excuse for their delay in moving forward with the default judgment.

The Judge’s Decision

Justice Bluth found the change in the attorneys for the bank took place 2 years after the bank should have moved for a default judgment. They were required to move for a default judgment within a year. She also found the change of attorneys does not excuse a 9 year delay in moving for a default judgment. Justice Bluth found that not one of the three different groups of attorneys representing the bank moved for a default judgment in a decade. Justice Bluth granted the homeowners cross motion to dismiss the case as being abandoned.

schlissel-headshotElliot S. Schlissel, Esq. is a foreclosure lawyer representing homeowners in foreclosure lawsuits throughout the Metropolitan New York area. He can be reached for a free consultation at 800-344-6431 or e-mail at Elliot@sdnylaw.com.

Homeowner Successful In Showing Bank Had No Standing to Bring A Foreclosure Lawsuit

Homeowner Successful In Showing Bank Had No Standing to Bring A Foreclosure LawsuitBeneficial Homeowners Services Corp. had provided a loan to Carpenter when he bought his home. They claimed with regard to the loan Carpenter had signed a promissory note and said note was secured by a mortgage on his house.

Carpenter failed to make his mortgage payments. This caused Beneficial to start a foreclosure lawsuit. In the foreclosure lawsuit Carpenter alleged various affirmative defenses. One of those affirmative defenses was that Beneficial lacked standing to bring the lawsuit.

The Summary Judgment Application

Beneficial brought a motion for summary judgment. They alleged in this motion there was no question of fact that Carpenter took out a loan, signed the note and they held a mortgage on his property. Therefore they should be entitled to a judgment of foreclosure. This was the second time they had brought the same motion.

Bank Not The Correct Party

Carpenter alleged as a defense the bank was not the appropriate party to bring the lawsuit. The formal defense in legal terms was the bank lacked standing to bring the foreclosure action.

The Standing Party

Justice Robert Muller who sits in Clendon County, in upstate New York, ruled that Beneficial failed to establish standing as a matter of law. They had submitted a power of attorney whereby an assignee Caliber was authorized to act as attorney in fact for Beneficial. However, Justice Muller found the alleged power of attorney was insufficient to establish Beneficial had standing to prosecute the alleged default by Carpenter. Judge Muller pointed out the affidavit submitted by Beneficial did not clarify how Wells Fargo Bank came to act as a custodian for the note. Judge Muller also pointed out Beneficial failed to provide documentation of the alleged relationship between Caliber and Beneficial. This was the basis for Judge Muller to deny the plaintiff’s application for summary judgment.

schlissel-headshotElliot S. Schlissel, Esq. is a foreclosure lawyer who represents clients throughout the Metropolitan New York area in foreclosure matters and bankruptcies. He can be reached at 800-344-6431 or e-mailed at Elliot@sdnylaw.com. His office offers free consultations to individuals who have foreclosure related issues.

Homeowners Motions in Foreclosure Lawsuits

Homeowners Motions in Foreclosure LawsuitsA homeowner can make a motion to dismiss the bank’s lawsuit in a foreclosure case based on a jurisdictional basis or the fact that there are meritorious defenses to the complaint submitted by the bank. Examples of a basis for dismissing the lawsuit brought by the financial institution are: lack of standing, failure to obtain proper service on the defendants, violation of the statute of limitations, fraud in the inducement and various other defenses and affirmative defenses available to homeowners.

Cost of Foreclosure Litigation

Banks and financial institutions are worth billions of dollars. Homeowners, who work for a living, have limited financial assets to engage in sophisticated litigation with financial institutions. The financial institutions bringing the foreclosure lawsuit are spending money belonging to their shareholders. On the other side of the situation, the homeowner is putting his hands in his own pocket to fight the foreclosure lawsuit. It is therefore important for the attorneys for the homeowners to maximize the impact of their legal action and litigate the matter in the most cost efficient means. It should be pointed out, in my experience, bank’s are often prepared to spend more than $25,000.00 bringing motions to obtain a foreclosure judgment against homeowners to cause their home to be sold. This puts a heavy financial burden on the homeowner to defend against these motions.

Conclusion

There is a process during the litigation of a foreclosure lawsuit where each party can make motions asking the Judge prior to a trial to grant them relief. The bank asks for relief in a motion for summary judgment and/or judgment of foreclosure and sale and the homeowner usually brings a motion to dismiss the litigation. If you are facing foreclosure, the best way to deal with all of the issues and problems is to hire an experienced dedicated foreclosure attorney.

schlissel-headshotElliot S. Schlisel is the managing partner of Schlissel DeCorpo LLP. He has been representing homeowners in foreclosure lawsuits, helping them obtain mortgage modifications and dealing with numerous other problems related to improper conduct of financial institutions for more than 30 years. He can be reached for a free consultation at 800-344-6431 or e-mailed at Elliot@sdnylaw.com.

The Discovery Process in Foreclosure Lawsuits

The Discovery Process in Foreclosure LawsuitsThere are various strategies that can be utilized by attorneys for homeowners in foreclosure lawsuits. During the course of the foreclosure lawsuit after the summons and complaint are served on the homeowner and an answer is interposed when the case is released from the mandatory foreclosure conference part the parties can engage in discovery. The discovery portion of the case is a period of time where the parties to the litigation can obtain documents and other types of information from the other side. In most foreclosure lawsuits all of the documents and relevant information regarding the foreclosure case are in the hands of the lender. The homeowner can make demands on the financial institution to provide information and documents during the discovery process to develop defenses to the foreclosure lawsuit. The attorneys for the homeowner can accomplish this by serving extensive discovery demands on the financial institution’s attorneys. The purpose of these extensive demands is to help develop the homeowner’s defense to the foreclosure lawsuit.

Compliance to Discovery Demands

Unfortunately, most financial institution’s attorneys do not usually comply with the discovery demands. Sometimes they completely disregard the discovery demands and bring a summary judgment motion. They take this action because they will have difficulty into fully complying with the detailed discovery demands made by a qualified foreclosure defense lawyer. The failure of the financial institution to comply with the discovery demands can amount to another defense to the foreclosure lawsuit.

Motion to Compel Discovery

If the financial institution does not respond to discovery demands counsel for the defendant can make a motion to compel discovery. In most situations the financial institution’s attorneys do not completely ignore the discovery demands. Instead they comply with some of the requests and don’t reply to other aspects of the request. They make numerous detailed objections to the discovery demands. These objections basically are designed to avoid their having to respond to these discovery demands. In these case the attorneys for the homeowner can bring a motion but in this motion the homeowner’s attorney must show that the financial institution’s attorneys objections to the discovery demand lack merit.

The Bank Making Discovery Demands

The financial institution can make discovery demands upon the homeowner’s attorney too. However, the purpose of these discovery demands is usually not to obtain relevant information. The bank usually has all the information they need to proceed with their foreclosure case. The purpose of the discovery demand is to create difficult burden on the homeowner’s attorneys. The discovery demands can be very time consuming to respond to. While the financial institution’s attorneys are dealing with an institution that has billions of dollars in assets, homeowners have very limited assets to litigate against financial institutions. The serving of burdensome discovery demands by the financial institution is usually designed to set up a defense mechanism if the homeowner can’t completely respond to these demands when the homeowner claims that the financial institution is not in full compliance with the homeowner’s attorney’s discovery demands. It should be pointed out that trials on foreclosure cases are extremely rare. Approximately 98% of all foreclosure cases are resolved during the litigation motion process.

schlissel-headshotElliot S. Schlissel, Esq. is a foreclosure defense lawyer. He has been representing homeowners for more than 30 years. Elliot is the managing partner of Schlissel DeCorpo LLP, a widely known foreclosure defense law firm. They can be reached for a free consultation at 800-344-6431 or Elliot can be e-mailed at Elliot@sdnylaw.com.

Understanding Foreclosures

Understanding ForeclosuresThe term foreclosure refers to a lawsuit brought, usually by a financial institution, against a homeowner. The legal proceeding is brought in the Supreme Court of the County in which the property is located. The financial institution is always represented by a law firm. The law firm is not an in-house law firm. It is always a law firm hired by the financial institution that specializes in bringing foreclosure actions against homeowners.

Judgment to Sell the House

The purpose of the foreclosure lawsuit is for the financial institution to obtain an judgment from a Supreme Court judge. This will allow the financial institution to have a referee appointed to sell the homeowner’s home at a public auction. The money received from the sale of the homeowner’s home goes to the financial institution to pay them what they are owed on the note and mortgage.

The Note and Mortgage

There are 2 documents of importance in a foreclosure. The first one is the note. When you buy a home you sign a note. The note is simply an IOU. The note is an agreement that basically states the financial institution is loaning you money and you agree to pay it back. There are various terms and obligations maintained in the paperwork regarding the note.

The Mortgage

The mortgage is a separate document from the note. It is actually a separate contract. It is a security agreement which gives the financial institution a security interest in your property as collateral for the money you borrowed pursuant to the note. The mortgage states if you don’t make the payments pursuant to the terms of the note and mortgage, the financial institution can bring a foreclosure lawsuit for failure to make the payments.

The Acceleration of the Mortgage

Before a financial institution can bring a foreclosure lawsuit against a homeowner they must send an Acceleration Letter to the homeowner. The letter simply states that the lender is calling the entire amount of the mortgage and all the arrears due and payable by a specific date.

Default in Making Payments

A homeowner is generally considered to have defaulted in the payment of his or her mortgage when they are at least one payment late. However, Acceleration Letters are generally not sent to homeowners until they are 90 days behind on the payment of their mortgage.

90 Day Pre-Foreclosure Filing Notice

The law in New York has a special requirement before a foreclosure lawsuit can be initiated. The financial institution must send the homeowner notice a minimum of 90 days before they file a summons and complaint in a foreclosure lawsuit. The notice has specific language and states at least 5 non-profit housing counseling agencies located near the borrower that the borrower can go to. The notice conveys to the homeowner they are behind in their mortgage and they are going into foreclosure. The homeowner then has 90 days to try to take some action to avoid the foreclosure lawsuit.

schlissel-headshotElliot S. Schlissel, Esq. is the managing partner of Schlissel DeCorpo LLP. Our law firm represents homeowners throughout the Metropolitan New York area with regard to the defense of foreclosure lawsuits. We have been helping homeowners keep their homes for more than 3 decades. We can be reached for a free consultation at 800-344-6431 or e-mailed at: Elliot@sdnylaw.com.

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