Weekend & Evening
Appointments Available
Free Case Evaluation

Foreclosure Defense

Foreclosure Defense Lawyer in Westchester County

Facing Foreclosure? Find Out How You Can Save Your Home!

When you are faced with the possibility that your home will be foreclosed upon, it may be difficult to know where to turn. You may wish to do whatever you can to keep your home or may be interested in selling it before foreclosure becomes a reality. In these situations, it is important to talk to a Westchester County foreclosure defense lawyer about your legal rights and your options. An attorney can help if you have already been served a notice of foreclosure or if you have fallen behind on your mortgage payments and believe that foreclosure may be on the horizon.

During today's troubling economic times when unemployment rates have affected American families all across the nation, it's not uncommon for many families to fall behind on their mortgages. Many people don't know a whole lot about foreclosure and when people are at risk of losing their home to foreclosure, many of them feel helpless about stopping it. However, this isn't true! Foreclosure can be stopped and we can tie up a foreclosure proceeding for a long period of time. In fact, at times we can convince a bank to accept a loan modification and stop the foreclosure proceeding entirely.

Get the Assistance You Need

Our firm has been helping our clients fight foreclosure proceedings and we have helped many of them find alternatives to foreclosure over the past 25 years. If your home is at threat of going into foreclosure, then it's absolutely critical that you contact us as soon as possible, that way we can start working on the most optimal solution for your foreclosure situation.

If you have received a letter from your lender indicating that they may be commencing foreclosure proceedings, then it's extremely important that you contact our firm right away. Once you receive a Summons and Complaint in foreclosure, you have just 20 days to respond if you were served personally. On the other hand, if you were served the Summons and Complaint by some other means than a personal delivery, then you have 30 days to respond.

Call the Bronson Law Offices, P.C. Today

It's important to note that contacting the lawyer who served your foreclosure papers does not count as a valid response. You are required to file a Formal Answer where you respond to each allegation in the complaint against you. This is the critical time for you to assert any defenses that you might have, and the Verified Answer to the Summons and Complaint in foreclosure must be formally acknowledged before a Notary Public and it must be served on opposing counsel, and the court.

You may have different options in fighting foreclosure. A lawyer at the Bronson Law Offices, P.C. can discuss all of these with you to determine which is best for you:

  • Bankruptcy - Filing for bankruptcy will place an automatic stay on foreclosure proceedings, offering you time to figure out a solution. Chapter 13 bankruptcy may allow you to keep your home and include past due payments in your repayment schedule. Second mortgages can be stripped and loss mitigation can be undertaken with court suspension. We have had excellent results with loss mitigation.
  • Loan Modification - If you have fallen behind on your mortgage payments, a lawyer may be able to conduct negotiations with your lender to complete a loan modification to modify your mortgage agreement.
  • Short Sale - A short sale may enable you to sell your home for less than the balance of your mortgage, but this must be negotiated and worked out with your lender in advance to ensure you are not held accountable for the difference between the sale and your loan balance.
  • Deed in Lieu - In some cases, you may be able to surrender the deed to your home to the lender in order to avoid foreclosure. A deed in lieu of foreclosure must be specifically worked out with your lender to make sure you are not held liable for the difference between your home's value and your mortgage loan.
  • Foreclosure Defense - We can defend a foreclosure action attacking the lender standing and documentation. The ultimate purpose of foreclosure defense is to keep our client's in the home for as long as possible while the bank proves its case. An aggressive approach with the lenders also forces loan modifications in situations where they have been denied in the past.

We may also be able to challenge the validity of foreclosure proceedings themselves. The lender must comply with strict regulations in bringing a foreclosure lawsuit against a homeowner. An experienced attorney may be able to bring into question violations of your rights, predatory lending practices or technical procedure violations.

Our firm helps homeowners throughout White Plains and all of Westchester County in the face of foreclosure. To learn more about how we can help you, contact a foreclosure defense attorney at our offices today!

Email Us Today
Don't Wait To Get Help!

Tell us about your situation and we'd be happy to review your case.

Send Your Email