Attorney in New York City
Helping Clients Nationwide with Home Mortgage Foreclosure Remedies
At the Carl E. Person Law Office, in New York City, I bring over 40 years of legal experience to homeowners who face foreclosure proceedings. With my extensive experience, I can minimize the paperwork and simplify the process. Though much of my practice is in the state of New York, I represent clients all across the country. I can make arrangements to take foreclosure cases in other jurisdictions and have served as local counsel in New York for lawyers from other states. For a free initial consultation, contact my office by e-mail or call me at 212-307-4444.
My Home Mortgage Foreclosure Remedy Practice
I provide comprehensive counsel to people facing foreclosure actions, helping them protect their rights throughout the process and working with them to identify foreclosure alternatives. I can act as your advocate in all hearings and proceedings, providing you with the knowledgeable, aggressive representation you deserve.
I will also make certain that your lender follows all rules and procedures required by law to complete the home mortgage foreclosure. Where applicable, I will raise Truth in Lending, Fair Credit Reporting Act and Home Ownership Equity Protection Act defenses or claims that you may have, as well as any claims involving fraud, false advertising or unfair/predatory lending practices.
Other defenses that can be raised in a foreclosure proceeding include:
- Breach of contract, promise or guarantee by the lender
- Prior knowledge of the lender that you would not be able to pay
- Improper sale of your loan to a third party
- Unjust enrichment on the part of your lender
- Breach of an implied covenant of good faith and fair dealing
- Tortious destruction of a business through improper conduct (for business mortgages only)
If we determine that you don't have strong defenses to the home mortgage foreclosure action, I will explore foreclosure alternatives with you, including the short sale of your property and the negotiation of home loan modifications. In a short sale, I will attempt to get your lender to agree to sell the property for the balance due on your note, so that you will have no further obligation on the mortgage. I can also work with your lender to try to negotiate a change in the interest rate or a modification of other terms of your mortgage loan, so that you can afford to make payments.
Contact My Office
To arrange an appointment for a free initial consultation, contact me by e-mail or call me at 212-307-4444. I provide experienced legal counsel at affordable rates.