New York and California Foreclosure Attorney
At the law office of Pelton Serpe LLP, our lawyers are committed to helping clients deal with the prospect of foreclosure. This can be an overwhelming experience and many individuals do not understand that they have options. We strive to help each and every one of our clients explore their rights and options regarding the impending foreclosure on their properties.
Though it is not always possible, we may be able to prevent the foreclosure from happening. Below are some of the ways through which we attempt to stop the foreclosure on your home. Contact a lawyer at our firm today to discuss one or more of these options further.
Catch Up though Chapter 13 Bankruptcy
It is possible for us to help you catch up on past due mortgage payments through the filing of a Chapter 13 bankruptcy. This type of bankruptcy involves the reorganization of your debts, and allows you to keep your home, putting an end to the pending foreclosure.
Bringing Claims Under the Home Ownership and Equity Protection Act (HOEPA) and Related Laws
Since our lawyers are well versed in the HOEPA, we can effectively handle cases in which violations to this act have been committed. By assessing a client's case, we can determine the best way in which to pursue claims under this act.
Short Sales
Carried out in order to prevent foreclosure, a short sale may be completed when a mortgage lender or bank agrees to discount a loan balance due to a mortgagor's economic hardship. Banks often allow this when it will result in a smaller financial loss than a foreclosure. Our firm has represented numerous individuals in short sale matters and can help advocate for a short sale in your case if your situation warrants this type of action.
Litigating and Defending the Foreclosure Action
We are skilled trial attorneys, and our lawyers are not afraid of seeking a stop to foreclosure through litigation. We are committed to aggressively defending you against the foreclosure of your home.
Contact an attorney at Pelton Serpe LLP today to learn more about how we go about handling the defense of foreclosure actions. A free initial consultation is offered so you can discuss your situation personally with a member of our legal team and learn what options are available to you.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
