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Stop Foreclosure Save your home loan modification help, avoid Short Sales Relief, Best Mortgage Foreclosure Lawyer video
I'm Neil Colmenares. I represent homeowners in mortgage foreclosures. Although I have been in private practice for over a decade, I used to represent large banks in the foreclosure process. As a result, I have experience on both sides of the foreclosure fence. I urge you to take advantage of this unique knowledge and experience that I have acquired over the years.
-If you're in foreclosure or are threatened with foreclosure, you have options. 
-First, if the bank has not commenced foreclosure proceedings, you can apply for modification, forbearance, short sale or deed in lieu of foreclosure. Please see the accompanying web page on this website for a definition of these terms. Sometimes negotiating with the bank before the foreclosure process can work to your advantage. Unfortunately, this is not always an option.

If the bank has already commenced the foreclosure, it is imperative that you retain this office to file an "Answer" with the court. By Answering, we may be able to settle the lawsuit on terms that are favorable to you that the bank would not have agreed to but for filing an Answer.
For example, in New York State, there is a mandatory "Settlement Conference" that is required in every foreclosure action. This Settlement Conference as well as the discovery phase of the foreclosure is an ideal time to remind the bank that over the past several years during the real estate boom that many lending institutions have engaged in unethical behavior by violating various consumer protection laws such as the truth in lending act, the real estate settlement procedures act, the fair debt collections practices act and the Home Ownership Equity Protection Act, just to name a few.
Some banks realizing that they violated these consumer protections that we have raised as a defense, are likely to renegotiate the mortgage rather than have the court invalidate the mortgage altogether.
-Unfortunately, in some situations, such as answering the foreclosure just before the sale date, is equivalent to putting a band-aid on a gun shot wound. At this point, other options may exist to help you keep your home such a Chapter 7 or Chapter 13 Bankruptcy. Please see the accompanying web pages on this website for more information on Bankruptcy.
 I strongly suggest calling this office to discuss your legal options. The sooner you call, the more likely you will be able to defeat the mortgage foreclosure process and keep your home.
 If you would like to schedule a consultation, we've made it simple. Fill out the "Quick Contact Form" on the Contact us page of this website, briefly describe your case and the time and date you are available for your telephone consultation. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation "the old fashioned way" by calling us on the telephone. Thank you.
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