Many people erroneously believe that foreclosure is inevitable once the bank files legal paperwork. But foreclosing on a home loan is not like toppling over a line of dominoes. Just because the first one falls, that does not mean the rest will fall in order. In fact, many people have so many alternatives that it is difficult to choose the best one.
Roemerman Law’s dedicated attorneys are committed to New York families of all shapes and sizes. So, we quickly evaluate the factual and legal aspects of your case. Then, we fight for the best possible resolution under the circumstances. All the while, we keep you proactively informed about your case, so you have additional peace of mind.
Approaches to Litigation
An effective foreclosure defense strategy usually involves substantive or procedural issues related to the mortgage. Some examples include:
- Origination Fraud: Many mortgage brokers make false statements which entice homeowners to borrow more money than they can afford to repay. The bank usually blames these issues on the homeowner’s failure to pay, but that’s not the way the law sees things.
- Modification Fraud: Banks usually tell desperate homeowners that they are “prequalified” for relief, and then they deny the needed modification. During these ongoing discussions, the bank’s representatives often cross the line.
- Improper Foundation: Your house is built on a concrete foundation, and a foreclosure lawsuit is built on the deed, assignment, and other paperwork. If the foundation of your house or the lawsuit is bad, than everything built on top of it could collapse with just a push.
Defenses like these often lead to a favorable resolution. In many cases, we do not even have to go to court to get a positive result.
Pathway to Successful Negotiation
At Roemerman Law, we approach settlement negotiations the same way we approach litigation matters. We aggressively stand up for your rights.
But an assertive posture is not enough. Preparation is usually a key to a successful outcome in settlement negotiations. So, before we meet with the bank’s lawyers, we do our homework. This research includes the facts of the case, the applicable law, and any relevant industry standards.
Our work is not over once a deal is in place. We make sure that the bank promptly fulfils the promises it made.
Every successful athletic and legal contest begins with a good game plan. For a free consultation with an experienced foreclosure attorney in New York, contact Roemerman Law, P.C.