Dutchess County Foreclosure Defense Lawyer
Foreclosure Attorney Serving Dutchess, Orange, Sullivan & Putnam Counties
Are you facing foreclosure? A Dutchess County foreclosure defense lawyer at the Bronson Law Offices, P.C. may be able to help you stop foreclosure and keep your home. By taking the time to discuss your particular legal rights, options and goals with you, an attorney at our firm can help you take the right approach to preventing foreclosure and keeping or selling your home.
During these troubling economic times, many individuals and families are falling behind on their mortgage payments. For a lot of people, when they are threatened by foreclosure they feel as if there is nothing they can do about it. This isn't true; something can be done to fight foreclosure! We can stop foreclosures, and we have the ability to tie up a foreclosure in court for a long period of time. In fact, at times we can successfully negotiate a loan modification with the bank, and in turn get them to withdraw the foreclosure proceedings.
Attorney Bruce Bronson has been fighting foreclosure proceedings for 25 years. There are several alternatives to foreclosure that should be considered; however, it's absolutely critical that you contact our firm at the earliest stage possible when you fall behind on your mortgage payments. The sooner you contact us, the quicker we can begin taking measures to counteract the foreclosure proceedings.
Once you receive the letter indicating that your bank is commencing a foreclosure proceeding against you, it's extremely critical that you enlist the service of a foreclosure defense attorney right away. When you are served the Summons and Complaint personally, you have a mere 20 days to respond to the Summons and Complaint. On the other hand, if you are served the Summons and Complaint by some other method than having it hand delivered to you, then you have just 30 days to respond.
It's very important that you understand that calling the attorney who served you the foreclosure papers against you is not a valid response. You are required to file a Formal Answer where you answer each and every allegation in the complaint against you. This is the critical time to state your defenses if you have any. The Verified Answer to the Summons and Complaint in foreclosure must be acknowledged by a Notary Public and it must be served on opposing counsel and the Court.
How to Prevent or Stop Foreclosure in Dutchess County
A homeowner may have varied options in the face of foreclosure. These will depend on the homeowner's intentions with the property. If you wish to keep your home, you may wish to consider a Chapter 13 bankruptcy or a
loan modification. Chapter 13 bankruptcy may be a viable option if you are also facing overwhelming debt but have the income to make regular payments through a repayment plan. Filing for bankruptcy will place an automatic stay on foreclosure proceedings and may allow you to incorporate past due payments in your repayment plan. A loan modification involves negotiating with your lender to work out a modified mortgage agreement that you can actually afford. If you do not wish to keep your home, a short sale or deed in lieu of foreclosure may be the options to consider.
With the current conditions of the lending and job markets, it is no surprise that many homeowners throughout the United States have fallen behind on their mortgage payments or are facing foreclosure. Make sure your rights and interests are protected in the fight to save your home. For a free consultation regarding your case, call our law offices. An attorney experienced with foreclosure defense in the Dutchess County area can talk to you about your options to help you make the right choices in saving your home.
Contact a Dutchess County Foreclosure Defense Attorney
at our firm today!