A notice of foreclosure isn’t necessarily the end
In recent years, the prospect of foreclosure has become very real for many people. Most think that if they are served with a foreclosure complaint, there is nothing they can do. They believe their homes are lost. But that is not necessarily the case. If you are unable to make mortgage payments and think you are heading to foreclosure, you should speak with our foreclosure lawyers in Goshen, NY. A knowledgeable attorney can help you devise a plan to avoid losing your house.
If you have already been served with a notice of foreclosure, it is imperative that you call New City foreclosure defense attorneys immediately. At Christopher L. Esposito, Attorney at Law, we have extensive experience with stopping foreclosure proceedings and helping with bankruptcy. Depending on how the summons was served, you have between 20 and 30 days to file an answer. You must answer within than period or lose your right to a foreclosure defense. Calling the attorney who served the summons is not a sufficient response. You must file a formal answer, addressing every aspect of the complaint, providing all the defenses you have. The answer must be notarized and served to opposing counsel and the court.
Don’t try this yourself
There are many options for saving your house from foreclosure — none of which you should try yourself. An experienced foreclosure attorney in New York from Christopher L. Esposito, Attorney at Law can provide you with a strong defense and help you pursue alternatives to foreclosure. There are laws that can work in our favor, including:
- Truth in Lending Act
- Home Ownership and Equity Protection Act
- Real Estate Settlement Procedures Act (RESPA)
- Deceptive Practices Act
Our attorneys have comprehensive knowledge of the laws and how they can be put to work for you. We are also skilled at negotiating loan modifications to help you pay off your debt. Our firm has an exceptionally high success rate in this area of the law and we are ready to help you.
Beware of the bank
The bank’s sole objective is to get its money. No matter how cordial bank personnel act with you, you must remember they are not your friends. The bank will sue you. If you don’t have a skilled lawyer to fight for you, you are in trouble. Real estate brokers and lenders may offer assistance, but only a seasoned lawyer can do what it takes to stop the foreclosure process. We have been doing this for more than 20 years and have a reputation for tenacity. We do not give up. We do not roll over. We fight to win, and we usually do.
When you need a lawyer who won’t back down
To discuss foreclosure defense with Mr. Esposito, contact his office for a free consultation. He can be reached at: 888-411-6430 or by using our contact us page. With offices in Goshen, Chestnut Ridge and Tarrytown, he has represented clients in the New York metropolitan area for more than 20 years. He can help you find a solution.