Foreclosure Defense

  • Are you in foreclosure?
  • Are you worried that you are going to lose your home?
  • Do you have a foreclosure auction sale date?

If you are facing foreclosure in New York, on your residential, or commercial first mortgage, second mortgage, or even on you home equity loan, we are top New York, foreclosure attorneys at The Christine Thea Rubinstein Law Firm. We can help you and your family save your home from foreclosure.

We can stop your foreclosure sale date, most times even if you have been served with a motion for an order of referee on your home or investment rental property. Our attorneys are trained in foreclosure defense strategies and mortgage loan settlement conference procedures. If you lose your home through foreclosure, your credit will be adversely affected and a record of it will appear on your credit report (FICO score) for 10 years. So it is advantageous to avoid foreclosure at all costs. Additionally, it can take 6 or more years to obtain financing again through the Federal Home Loan Mortgage Corporation (Freddie Mac) or the Federal National Mortgage Association (Fannie Mae). The Christine Thea Rubinstein Law Firm and Associates provides a wide range of financial and foreclosure stopping real estate services representing commercial and residential property; helping with stopping foreclosure and effecting short Sales. Our attorneys are not only trained in handling simple foreclosure matters, we take care of complex foreclosure litigation in the event of a foreclosure sale date or getting served with a summons and complaint or order of a referee in Nassau County, Suffolk County, Queens County, Bronx County, Westchester County, Richmond County, Manhattan and Brooklyn Kings County New York. From initial negotiations to stopping the foreclosure sale date, including drafting of documents, monitoring contingency periods, and possible short sale closing issues such as pre-possession agreements The Christine Thea Rubinstein Law Firm are there for you and your family. Understanding the financial and legal issues involved in home foreclosure is essential in evaluating the options available to you. If you've fallen behind on your mortgage or are just struggling to get by and are unable to pay your monthly installment bills or any other bills, contact the foreclosure help attorneys at The Christine Thea Rubinstein Law Firm and stop your foreclosure today.

Avoiding Foreclosure — Considering Your Options

Depending on your financial situation and the specifics of your mortgage, one of the following may be your best option for avoiding foreclosure:

  • Stop foreclosure and Stop the foreclosure sale date
  • Stop foreclosure with a loan modification
  • Foreclosure Defense Attorney
  • Second Mortgage Loan Modification
  • Stop foreclosure with a short sale
  • Second Lien Discharge / Second Mortgage Lien Forgiveness
  • Stop foreclosure with a chapter 13 bankruptcy
  • Stop foreclosure with a chapter 7 bankruptcy
  • Stop foreclosure through lien stripping
  • Commercial and Business Property Foreclosure Defense Attorney
  • Investment and Rental Property Foreclosure Defense Attorney
Chapter 13 Bankruptcy and Foreclosure

People who don't qualify for Chapter 7 bankruptcy usually have a choice to file under Chapter 13 bankruptcy. Unlike Chapter 7 bankruptcy which wipes out unsecured debt, Chapter 13 bankruptcy will require you to repay a percentage of what you owe over a 3- to 5-year period, depending upon your net monthly disposable income. It will be necessary to submit a repayment plan for approval by the court and your creditors.

As part of your repayment plan, you can include past-due mortgage payments and reduce other monthly bills into one manageable payment. Accordingly, people who file Chapter 13 bankruptcy are often able to avoid foreclosure. Additionally, once you file for bankruptcy, an automatic stay is placed on any foreclosure or collection actions on the part of banks and creditors. This may allow you the time you need to save your home. There may be dire tax consequences if you foreclose on a mortgage. Contact foreclosure help attorneys at The Christine Thea Rubinstein Law Firm today to discuss your options.

Some Considerations..... First and Second Mortgages and Foreclosures

If you have a first or second mortgage on your home or you have taken out a home equity loan, certain considerations come into play if you decide to pursue a short sale in lieu of a foreclosure. In general, if you decide to work out a short sale with your lender, the bank can ask you to pay the difference between what you sold your house for and what you owed on your original mortgage. If you are not protected by anti-deficiency provisions, the lender can pursue you for any losses they take on your first mortgage, second mortgage or home equity loan. Depending on your situation, your first mortgage, second mortgage, or home equity loan may be dischargeable in bankruptcy or there may be dire tax consequences if you foreclose on a first mortgage, second mortgage or home equity line of credit.   Contact the foreclosure help attorneys at The Christine Thea Rubinstein Law Firm today to discuss your options for your first mortgage, second mortgage business or home equity line of credit.

Contemplating Foreclosure? Contact the lawyers at The Christine Thea Rubinstein Law Firm first. Call us today at 1-800-200-1529 to stop your foreclosure.

Regardless of whether you own residential or commercial property, foreclosure may not be your best option. For foreclosure help and legal and consultation. Call today for legal counseling and information foreclosure alternatives. Contact foreclosure help attorneys at The Christine Thea Rubinstein Law Firm today to discuss your options for your first mortgage, second mortgage or home equity line of credit. Schedule an appointment today and learn how we can help you save your residential or commercial real estate.

First and Second Mortgages and Foreclosures

If you have a second mortgage on your home or you have taken out a home equity loan, certain considerations come into play if you decide to pursue a short sale in lieu of a foreclosure. In general, if you decide to work out a short sale with your lender, the bank can ask you to pay the difference between what you sold your house for and what you owed on your original mortgage.

However, if you have a second mortgage and aren't protected by anti-deficiency provisions, the lender can pursue you for any losses it takes on your second mortgage. Depending on your situation, your second mortgage may be dischargeable in bankruptcy or there may be dire tax consequences if you foreclose on a first or second mortgage. Contact foreclosure help attorneys at The Christine Thea Rubinstein Law Firm today to discuss your options.

Contemplating Foreclosure? Contact The Christine Thea Rubinstein Law Firm Today.

Regardless of whether you own residential or commercial property, foreclosure may not be your best option. For foreclosure help and information on alternatives, contact foreclosure help attorneys at The Christine Thea Rubinstein Law Firm today to discuss your options. Schedule an appointment and learn how we can help you.

You should know you have certain legal rights and must be very selective of the Lawyer or Law Firm that you chose to represent you.

Have an Attorney council you on the Right Decision for your family. Get a Free Consultation today. The lawyers at The Christine Thea Rubinstein Law Firm can help you and your family save your home.

The Christine Thea Rubinstein Law Firm devotes a significant part of the firm to the practice area of real-estate foreclosures. The law office provides a wide range of real estate services representing buyers and sellers in transactions involving commercial and residential property.

From initial negotiations to closing, including drafting of documents, monitoring contingency periods, and possible closing issues such as possession agreements.

Get a Free Consultation Today

About the Website of The Christine Thea Rubinstein Law Firm and the legal information on the screen above: We hope you find this information useful and informative, but it is not the same as legal counsel. A free website is ultimately worth everything it costs you; you rely on it at your own risk. This website and any other website on this legal topic does not substitute real legal advice, face to face with an attorney. Good legal advice includes a review of all of the facts of your situation, including many that may at first glance seem to you not to matter. The plan it generates is sensitive to your goals and wishes while taking into account a whole panoply of laws, rules and practices, many not published online. Speak with an attorney today to help resolve any legal issues that you and your family may be facing.

Talk to a Foreclosure Defense Lawyer Today at The Christine Thea Rubinstein Law Firm

The lawyers at The Christine Thea Rubinstein Law Firm are dedicated to your success — so contact us. Speak with one of our knowledgeable Long Island, foreclosure defense, will and estate planning, living trust estate litigation attorneys today from wherever you are in New York in Nassau and Suffolk, Brooklyn, Kings and Queens Counties, on Long Island and all New York City boroughs including Bronx, Westchester, Richmond County, and Manhattan. Call 800-200-1529 today.

Call 1-800-200-1529 today.

Get help with a Foreclosure Defense plan now be properly prepared for your loved ones with the proper estate plan.  You should know you have certain legal rights and must be very selective of the estate law lawyer or elder law firm that you chose to represent you with your estate litigation.

Call 1-800-200-1529 today.

You should know you have certain legal rights and must be very selective of the lawyer or law firm that you chose to represent you. Have an attorney council you on the right decision for you and your family.

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