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BerichtGeplaatst: 30-06-2020 03:36:44    Onderwerp: Wholesale Throwback NFL Jerseys Reageren met citaat

Anyone who has read a newspaper Wholesale New Nike NFL Jerseys , watched television or listened to the radio is aware that mortgage foreclosures have reached crisis levels in this country. Long Island homeowners have been particularly hard hit by plummeting home values coupled with a weakened economy and rising unemployment.

Unemployed Long Islanders are shocked to discover that selling their home to find work elsewhere is not an option when the amount owed to the bank holding the mortgage exceeds the value of the home. Unemployed and unable to make mortgage payments, many people are facing bank foreclosures.

In years past, people confronted with foreclosure rarely thought about hiring an attorney to defend them against the bank. Times have changed. Recognizing that there can be a foreclosure defense, Long Island residents are hiring attorneys to represent them against the banks.

The bank begins a foreclosure action with the service of a summons and complaint on the homeowner. At that point Wholesale Cheap Nike NFL Jerseys China , the homeowner has 20-30 days to file a written answer with the court. The answer must include any defenses the homeowner has to the foreclosure proceeding. The most important thing for the homeowner to do is contact an attorney as quickly as possible.

An experienced attorney will review the summons and complaint and recognize which foreclosure defense Long Island residents have under New York and federal law. Some examples of available defenses are:
• Improper conduct by the original lender
• Truth-In-Lending violations
• missing mortgage documents
• predatory lending practices

Another foreclosure defense Long Island homeowners have available protects members of the armed forces who are on active duty. State law restricts lawsuits against military personnel while they are on active duty. This includes foreclosure actions. An experienced foreclosure defense Long Island attorney knows how to assert this defense to protect a homeowner.

If a person does not contact an experienced foreclosure defense Long Island attorney within 20-30 days after the service of the summons and complaint, the bank can file for a default judgment without opposition from the homeowner. A homeowner who did not contact an experienced foreclosure defense Long Island attorney within the 20-30 days should do so immediately. An attorney can prepare and file an order to show cause (OTSC) with the court asking for permission to file an answer to protect the rights of the homeowner against the bank.

As the foreclosure action works its way through the courts, the experienced foreclosure attorney will take advantage of opportunities to negotiate with the bank. New York law requires the scheduling of a settlement conference with the attorneys for the parties and the judge in each foreclosure case. Settlement options will depend on the facts of each case, but can include a modification and restructuring of the mortgage to allow the homeowner to continue owning the home with more affordable monthly payments.

Homeowners facing foreclosure must not forget that they have rights under state and federal laws. An experienced foreclosure defense Long Island attorney will know how to assert the client’s rights to prevent further harm.

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