Lawyers, Answer Questions  & Get Points Log In
New York Foreclosure Questions & Answers
1 Answer | Asked in Consumer Law, Foreclosure, Civil Litigation and Collections for New York on
Q: Can a default judgment be enforced, if the defendant was never served, the complaint was filed in another county?

The counsel who filed the complaint, is different from the counsel seeking to enforce the judgment. The plaintiff has been out of business for years, and the counsel has many complaints by defendants, for fraudulently claiming proper service to said defendants. I am unsure what recourse I have... Read more »

Michael David Siegel
Michael David Siegel
answered on Jun 24, 2022

1. Different counsel? Not relevant. Happens all the time.

2. Plaintiff out of business? Irrelevant, if lawyer represents Plaintiff. Winding up corporation is collecting debts.

3. Recourse? Make motion in court that entered judgment to vacate on improper service.

4....
Read more »

1 Answer | Asked in Foreclosure for New York on
Q: what a notice of presentment and a notice of dishonor means in leyman terms?

paragraph 9 or 10 in the note the waiver notice of presentment and notice of dishonor means in leyman terms

Leonard R. Boyer
Leonard R. Boyer
answered on Apr 16, 2022

You cannot determine the specific meaning without seeing the entire document. Any attempt to speculate is not going to be useful.

5 Answers | Asked in Bankruptcy and Foreclosure for New York on
Q: Does a 1 year stay in 7 bankruptcy, extend to foreclosure? Can a bank initiate foreclosure within 1 year of bankruptcy?

The bankruptcy is still in adversary proceeding at this time. It will probably be there for some time longer.. Does this mean the bankruptcy is still considered open? Is the stay in place until the adversary proceeding is complete?

Jonathan David Warner
Jonathan David Warner
answered on Apr 1, 2022

There is nothing stopping a lender from foreclosing after a bankruptcy is Discharged or Relief from Stay is awarded beforehand. The lender cannot begin foreclosure during a Bankruptcy case before the occurrence of either hypothetical.

Otherwise, no. There is no law the avails a grace period...
Read more »

View More Answers

1 Answer | Asked in Foreclosure for New York on
Q: can you help[ me with the forclosure on my home

i was given a petition for forclosure and told that i need to be out of my home in 10 days... the loan is in my deceased wifes name any myself.. i had sent the paperwork 2 years ago to the bank for them to automatically take out of my checking account each month..i have a disabled daughter that... Read more »

Leonard R. Boyer
Leonard R. Boyer
answered on Feb 3, 2022

You need to retain an experienced mortgage foreclosure and bankruptcy attorney. Your home can be saved. During this pandemic, you have a choice of either seeing your attorney in person or by way of a secure state of the art Zoom Video Conference. So you don’t have to be restricted by geography... Read more »

2 Answers | Asked in Estate Planning, Family Law, Foreclosure and Real Estate Law for New York on
Q: Grandmother was coerced into signing a deed transfer and wants to correct it. What should she do?
Toshinori Isoai
Toshinori Isoai
answered on Dec 12, 2021

More facts need to be presented surrounding the "deed transfer."

View More Answers

1 Answer | Asked in Foreclosure, Real Estate Law and Collections for New York on
Q: I'm i obligated to property or home if im not the executer ie liens
Elaine Shay
PREMIUM
Elaine Shay
answered on Sep 20, 2021

Please try to ask your question more clearly for assistance.

1 Answer | Asked in Foreclosure for New York on
Q: Can a Lis pendens cause a foreclosure auction if summons was not answered by seller in court ?
Leonard R. Boyer
Leonard R. Boyer
answered on Apr 16, 2021

A Lis Pendens is a notice to the public that the property is subject to a lawsuit. What you really need to do at this point is to obtain an experienced mortgage foreclosure defense and bankruptcy attorney to represent you. During this pandemic, you have a choice of either seeing your attorney in... Read more »

1 Answer | Asked in Foreclosure for New York on
Q: My father complied the notice of pendency out of court with the buyer but the buyer has refused to release

Notice of pendency we are extended extensions to sell the house to them we have only received from them loan applications and not the commitment letter from the bank I'm really lost and I don't no longer know what to do is stating on real estate sites that it is pending sale but it is... Read more »

Derek John Soltis
Derek John Soltis
answered on Apr 7, 2021

It sounds like you should call an attorney who does real transactions for properties in foreclosure for a free consultation. Instead of trying to do everything yourself, it may be work checking with someone that you are not being ripped off.

1 Answer | Asked in Foreclosure for New York on
Q: What will happen to my father's house since he did not answer the summons of notice of pendency will he lose his house
Derek John Soltis
Derek John Soltis
answered on Apr 6, 2021

It sounds like he is in a foreclosure matter based on a notice of pendency. If he does nothing, eventually he will lose the house. If he starts replying or looking at loan modification, he can save his home. He just needs to start taking action.

3 Answers | Asked in Foreclosure for New York on
Q: My father house has a judicial foreclosure auction he settled with the summons out-of-court the buyer has not bought the
Michael David Siegel
Michael David Siegel
answered on Apr 4, 2021

Your question cut off. I do not understand it.

View More Answers

1 Answer | Asked in Foreclosure and Banking for New York on
Q: In tax foreclosures is the winning bidder responsible for liens/mortgage loans on property?

How would someone find out that information? Is going through a lawyer the only way to get reliable infor.?

Michael David Siegel
Michael David Siegel
answered on Oct 16, 2020

No. Mortgages are junior to the taxes. Thus, they should be foreclosed out, unless the plaintiff failed to name it.

2 Answers | Asked in Foreclosure and Real Estate Law for New York on
Q: i need help filing default or summary judgement regarding my quiet title complaint- dutchess supreme index 2020-829
Michael David Siegel
Michael David Siegel
answered on Sep 3, 2020

There is a big difference between the two. No lawyer is going to give you a tutorial. If you do not know what to do, hire a lawyer.

View More Answers

1 Answer | Asked in Foreclosure for New York on
Q: The government mortgage guarantor sold our home to a bank through a referee's deed. Is it a legal sale?

The mortgage guarantor sold our home through foreclosure sale to a 3rd party servicer through a referee's deed. There was no note attached to the mortgage. The servicer has no standing or interest in our home. The trust associated with the house is closed.

Jonathan David Warner
Jonathan David Warner
answered on Jul 16, 2020

You haven't provided enough information for anyone to provide an answer.

With this said, New York is a judicial foreclosure state, which means that a foreclosure cannot happen without a Court Order. The process tends to take quite a long time, so it's extraordinarily doubtful that...
Read more »

2 Answers | Asked in Foreclosure for New York on
Q: The government mortgage guarantor sold our home to a bank through a referee's deed. Is it a legal sale?

There is no note for my home. This is New York and the note was electronically recorded by MERS. We were not notified of the sale.

Derek John Soltis
Derek John Soltis
answered on Jul 15, 2020

There appears to a lot going on. Send your case to a lawyer to get a free consult about what is happening.

View More Answers

2 Answers | Asked in Consumer Law, Criminal Law, Foreclosure and Real Estate Law for New York on
Q: What type of attorney specializes/handles mortgage loan modification fraud?

Homeowner lost her job and couldnt pay mortgage for a few months. A servicer suggested that a mortgage modification is available if payments are made. The homeowner made the payments to the servicer, but the modification never occurred and now is at risk for foreclosure.

Derek John Soltis
Derek John Soltis
answered on May 27, 2020

Have you appealed the decision? When did you apply? What is your current interest rate?

There are a lot of factors that go into a loan modification. Just because you didn't qualify 6 months ago, doesn't mean you won't qualify now.

View More Answers

3 Answers | Asked in Foreclosure, Real Estate Law and Small Claims for New York on
Q: Ex-partner and myself is on mortgage; how do I go about removing my name?

We separated two years ago, and part of our agreement was for me to move out, and she'll retain the home, as long as she can maintain the monthly payments. At the time of agreement, I didn't have the resources to do things the RIGHT way and wanted the path of least resistance to just take... Read more »

Michael David Siegel
Michael David Siegel
answered on Apr 7, 2020

What you have not confirmed is whether you are on title as well as the loan. If on title, bring a partition action to sell the property by court order, and in turn, pay off the loan. That may also force her to refinance. If there is no equity in the property, there is little you can do, but let... Read more »

View More Answers

2 Answers | Asked in Foreclosure and Landlord - Tenant for New York on
Q: Ok we rented a house In center Marichert is the landlord required two months security and a half months we moved into a

Foreclosure notice on the door do we have to pay rent? Is it a fraudulent lease since he didn’t tell us the house was in foreclosure? And is it true that the law change that you only have to pay one month security?

Michael David Siegel
Michael David Siegel
answered on Mar 14, 2020

The whole thing may be a fraud. The "landlord" may not even own the house. If you paid already, you might call the police.

View More Answers

1 Answer | Asked in Foreclosure, Real Estate Law and Tax Law for New York on
Q: Sale of note, then sale of collateral, then forgiveness of debt confusion.

When a mortgage and note (one document, titled NOTE AND MORTGAGE) is sold, the creditor/lender/noteholder/mortgagee changes, but the debtor/borrower/mortgagor stays the same.

If the debtor/borrower/mortgagor then sells the mortgaged property (the deed to his house), subject to the... Read more »

Elaine Shay
PREMIUM
Elaine Shay
answered on Mar 19, 2020

When a lender assigns a note and mortgage, the debt remains with the borrower even if the property is sold subject to the mortgage.

1 Answer | Asked in Foreclosure for New York on
Q: If I file suit against my lender while in foreclosure can the lender continue and sell the house at auction
Derek John Soltis
Derek John Soltis
answered on Feb 21, 2020

If you file a bankruptcy, the automatic stay will stop the lender from selling your house as long as you are eligible. Just filing a regular lawsuit usually will not stop a foreclosure sale.

You really should talk with a foreclosure defense attorney to go over all of your options. Most...
Read more »

1 Answer | Asked in Foreclosure for New York on
Q: My foreclosure case was in 2008 and I never had a treverse conference, fast forward to2019 , my house is up for auction

Bottom line I wasn’t given a opportunity to state my case .they didn’t own the note , this is why I never had that meeting .the opposition always made excuses why they couldn’t meet with me , and they got away with this ! What can I do to save my house ? It’s been a 11 year battle dealing... Read more »

Derek John Soltis
Derek John Soltis
answered on Jan 6, 2020

It sounds like you are in a tight spot. You need to talk with a foreclosure defense attorney as soon as possible.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.