New York Foreclosure Defense Attorney
Afraid of Losing Your NY Home Due to Foreclosure?
Musa-Obregon & Associates, we understand that difficult financial situations have left families
throughout New York struggling to make their mortgage payments. When this
happens, foreclosure may seem unavoidable, but this is far from the truth.
By working with each of our clients individually, we are able to create
positive solutions that puts a stop to foreclosure and allows them to
move forward with their lives. Having
100 years of combined legal experience, we can talk you through the best possible options for your unique situation.
Call for a
free consultation with our NYC foreclosure defense firm. Serving Manhattan, the Bronx, Brooklyn,
Rockland County and Westchester County.
Changes to New York Foreclosure Laws
New York State has one of the longest foreclosure timelines in the country,
averaging about three years.. This was due to the fact that after the
foreclosure action was filed, attorneys were not filing a mandatory affirmation
right away. The mandatory affirmation is filed by the plaintiff’s
attorney to certify that the plaintiff is in fact the creditor entitled
to enforce their rights according to various loan documents.
It is now required for the foreclosure plaintiff’s attorney to file
the mandatory affirmation along with the initial complaint, speeding up
the process significantly. Once the mandatory affirmation and initial
complaint have both been filed, an attorney may be able to help you come
to a mutually agreeable way out of your foreclosure with your lender.
Steps After Receiving a Notice of Foreclosure
- If you have been served personally with a Summons and Complaint in foreclosure,
you only have 20 days to respond. For those served by alternate methods,
you have 30 days to respond to the notice.
- In either case, you have to file a Formal Answer, wherein you are required
to respond to each allegation against you in the Summons and Complaint.
This is also where you can assert your defenses.
- The Formal Answer will then have to be acknowledged by a Notary Public
and served before the Court and opposing counsel.
It’s important that you speak with a skilled and experienced NYC
foreclosure attorney as soon as you receive your initial notice to help
prevent you from losing your home.
Free Consultation With Our Qualified NY Foreclosure Firm
Whether you have just received the initial complaint or you are already
in the foreclosure process, there may still be a way out. By choosing
to work with Musa-Obregon & Associates, you can trust that our foreclosure
defense lawyers will tirelessly strive to stop your foreclosure and find
an alternative that better suits your needs.
Allow our firm to work alongside you –
call us today at 888-502-8461!