For many people, buying a house is a major accomplishment that took years of saving. After saving for a down payment for years, the homeowner will still be responsible for making mortgage payments each month. When times get tough, homeowners worry that they will not be able to continue making their mortgage payments and may ultimately be facing foreclosure. If you are a homeowner in Rockland County or the surrounding areas and you need assistance with foreclosure defense, you can count on the Law Offices of David M. Katz. Our firm has decades of experience proudly representing homeowners and helping them protect their futures. Contact our firm today to schedule a consultation with an experienced Rockland County foreclosure lawyer.
How Can a Foreclosure Lawyer Help?
When homeowners find themselves falling behind on mortgage payments, they may be at risk of foreclosure. Luckily, with the help of the Law Offices of David M. Katz, you can feel confident knowing that all of your options will be thoroughly explored. The Law Offices of David M. Katz can assist homeowners throughout Rockland and Westchester counties fight foreclosure by utilizing some of the following means:
Areas We Serve
At the Law Offices of David M. Katz, we proudly represent clients across New York State, including in Rockland County, Westchester County, Ulster County, Putnam County, Orange County, Clarkstown, Haverstraw, Orangetown, Ramapo, Stony Point, Yonkers, New Rochelle, Mount Vernon, White Plains, Peekskill, and Rye.
What might be included in a loan modification?
A loan or mortgage modification is a great option for those who are struggling to keep up with the payments on their home. This is a foreclosure defense strategy that can effectively help you maintain ownership of your home and reduce your monthly payment. Some of the aspects that may be included in a loan modification include:
- A reduction in the principal of the loan
- A reduction in your monthly payment
- A modification or reduction of the loan’s interest rate
- The elimination or reduction for late fees or non-payment penalties
- A temporary pause in payments, known as a forbearance
What happens if I am sued by my mortgage lender?
When homeowners are unable to continue making payments on their mortgage, the lender may take legal action against them. If you are sued by your mortgage lender, here are the next steps you can expect the Law Offices of David M. Katz to take in an effort to help you avoid losing your home:
- Serve an Answer and Notice of Appearance on your behalf so any important notices from the court come to our office immediately
- Assert any relevant defenses and counterclaims on your behalf
- Request all documentation from the lender, including the chain of title and your payment history, among other things
- Demand that a loan modification program takes place to reinstate your mortgage
- Serve Motions for Summary Judgment to dismiss the Foreclosure action if applicable
Have More Questions? We Have Answers!
Our firm is dedicated to providing you with the tools to make informed decisions about your future. We are ready to represent you, but if you’re just looking for some answers to your pressing questions, click here to check out our frequently asked questions page, Click here to visit our video vault, and click here to read some of our blogs. If you can’t find what you are looking for, feel free to contact us about your legal matter. Regardless of how dire things look, we may be able to help!
Contact a Rockland County Foreclosure Lawyer Today.
At the Law Offices of David M. Katz, we recognize the devastation that comes upon receiving a notice of foreclosure. Our firm is committed to helping you and your family continue to live happily in your home and will do all that we can to dismiss the foreclosure proceedings. With decades of experience helping homeowners across Rockland and Westchester Counties, you can feel confident knowing that you are in good hands with our skilled and compassionate legal team. To learn more about what our firm can do for you, contact the Law Offices of David M. Katz today to schedule a consultation.