Dutchess County Foreclosure Defense Lawyer
Foreclosure Attorney Serving Dutchess, Orange, Sullivan & Putnam Counties
Are you facing foreclosure? A Dutchess County foreclosure defense lawyer
at the Bronson Law Offices, P.C. may be able to help you stop foreclosure
and keep your home. By taking the time to discuss your particular legal
rights, options and goals with you, an attorney at our firm can help you
take the right approach to preventing foreclosure and keeping or selling
During these troubling economic times, many individuals and families are
falling behind on their mortgage payments. For a lot of people, when they
are threatened by foreclosure they feel as if there is nothing they can
do about it. This isn't true; something can be done to fight foreclosure!
We can stop foreclosures, and we have the ability to tie up a foreclosure
in court for a long period of time. In fact, at times we can successfully
negotiate a loan modification with the bank, and in turn get them to withdraw
the foreclosure proceedings.
Attorney Bruce Bronson has been fighting foreclosure proceedings for 25
years. There are several alternatives to foreclosure that should be considered;
however, it's absolutely critical that you contact our firm at the
earliest stage possible when you fall behind on your mortgage payments.
The sooner you contact us, the quicker we can begin taking measures to
counteract the foreclosure proceedings.
Once you receive the letter indicating that your bank is commencing a foreclosure
proceeding against you, it's extremely critical that you enlist the
service of a foreclosure defense attorney right away. When you are served
the Summons and Complaint personally, you have a mere 20 days to respond
to the Summons and Complaint. On the other hand, if you are served the
Summons and Complaint by some other method than having it hand delivered
to you, then you have just 30 days to respond.
It's very important that you understand that calling the attorney who
served you the foreclosure papers against you is not a valid response.
You are required to file a Formal Answer where you answer each and every
allegation in the complaint against you. This is the critical time to
state your defenses if you have any. The Verified Answer to the Summons
and Complaint in foreclosure must be acknowledged by a Notary Public and
it must be served on opposing counsel and the Court.
How to Prevent or Stop Foreclosure in Dutchess County
A homeowner may have varied options in the face of foreclosure. These will
depend on the homeowner's intentions with the property. If you wish
to keep your home, you may wish to consider a
Chapter 13 bankruptcy or a
loan modification. Chapter 13 bankruptcy may be a viable option if you are also facing overwhelming
debt but have the income to make regular payments through a repayment
plan. Filing for bankruptcy will place an automatic stay on foreclosure
proceedings and may allow you to incorporate past due payments in your
repayment plan. A loan modification involves negotiating with your lender
to work out a modified mortgage agreement that you can actually afford.
If you do not wish to keep your home, a short sale or deed in lieu of
foreclosure may be the options to consider.
With the current conditions of the lending and job markets, it is no surprise
that many homeowners throughout the United States have fallen behind on
their mortgage payments or are facing foreclosure. Make sure your rights
and interests are protected in the fight to save your home. For a free
consultation regarding your case, call our law offices. An attorney experienced
with foreclosure defense in the Dutchess County area can talk to you about
your options to help you make the right choices in saving your home.
Contact a Dutchess County Foreclosure Defense Attorney
at our firm today!