Long Island Foreclosure Lawyers

Long Island foreclosure attorneys help you keep your home

As all too many Long Islanders are finding out in difficult economic times, you may be at risk of losing your home to foreclosure.  If you are behind on your mortgage payments, your lender can declare a default and force the sale of the home.  The good news is that lenders don't like foreclosures, because they are costly and difficult.  The bad news is that they do not hesitate to foreclose on past-due loans if they are not given better options.

Working with your lender

As a leader in handling mortgage modifications, the Long Island foreclosure law firm, Law Offices of Kyle Norton, P.C. sets out to create effective yet affordable options for homeowners facing mortgage difficulties.  Our Long Island bankruptcy attorneys advise and assist you in working with your lender before the situation becomes untenable:

• Explain your situation
• Provide financial information
• Do not abandon the property
• Seek credit counseling

These are all good steps that may help you avoid foreclosure.  Once foreclosure is initiated, we also:

• Provide foreclosure defense
• Fight cases of predatory lending
• Advise on short sales
• Perform other legal services

Our Long Island foreclosure attorneys base our strategies on extensive research of consumer credit laws, newly created federal programs, credit bureau tactics, and persistence on behalf of our clients.  Our programs have helped thousands of homeowners avoid foreclosure and obtain a monthly mortgage payment that they can handle comfortably.  Our commercial foreclosure lawyers in Long Island have also helped mortgage borrowers in avoiding commercial property foreclosure.

Homeowner options when facing foreclosure

Apart from bringing mortgage payments up to date and curing the default, reorganizing finances and negotiating with lenders provide a number of options, including—

Addressing foreclosure

One method of addressing a foreclosure proceeding is to defend the foreclosure litigation. Our law firm can assist you right from the start by answering the initial summons and complaint. Considering that 20-30 days from the date of service an answer and/or motion to dismiss is due, it is imperative to file a timely response. Such answer is one out of several documents that are usually filed as part of a foreclosure defense. Other documents include a motion to dismiss, if applicable, and a response to a motion for summary judgment. If the client retains the Law Offices of Kyle Norton, P.C. in the early stages of the foreclosure, the Plaintiff's Summons and Complaint can be answered and other documents responded to, resulting in a contested proceeding that will protect the client's rights, allow the client to receive all notices and documents, and enlarge the time necessary for the mortgage holder to proceed with its foreclosure case.  

Even if you are past the 20-30 days available to answer after receipt of service of the Summons and Complaint, the Law Offices of Kyle Norton, P.C. can move to enlarge such time under appropriate circumstances. As the foreclosure litigation progresses the Plaintiff's other papers, including the Motion for Summary Judgment, can be opposed. Moreover, even when the foreclosure proceeding is nearing an end, there are still available options such as preparing an Order to Show Cause in an attempt to stay the foreclosure sale and/or the transfer of the deed. If you are considering defending the foreclosure litigation, you need representation from a law firm that is dedicated to this area of practice. Effective strategies are contesting service of process where our client was not properly served with the summons and complaint and asking for discovery in terms of disclosure documents from the closing where there are questions as to proper disclosure. Also in many cases demanding that the Plaintiff produce original loan documents which they may lack and which some courts have viewed as necessary to pursue the action.

If you desire to defend the foreclosure action and have been in foreclosure for over one year and/or have a foreclosure sale date, you may need to proceed by emergency Order to Show Cause in order to assert your rights and have a possibility to stay the foreclosure action and/or foreclosure sale. If so, please make reference to the Section dealing with "Orders to Show Cause" and please contact us to discuss your options.

Save your home.  Change your life.  Get a fresh start.

For effective, professional advice and assistance when your home is threatened by foreclosure, you need experienced Long Island foreclosure lawyers who are knowledgeable about all of the provisions of the law, who are skilled at devising plans to extricate you from the situation, and who genuinely want to help.  Our attorneys have more than 30 years' experience in the mortgage and real estate industries.  They stand ready to help.  Request our free newsletter and/or sign up for our seminars using the message field on our contact form.  Call our emergency legal hotline at 877-871-6179 or contact the Law Offices of Kyle Norton, P.C. online for a free consultation that could possibly save your home, change your life, and get you on track toward a fresh, new start in Long Island.

Your initial, in-person consultation is free.