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New York Foreclosure Questions & Answers
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.

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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...
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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.

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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.

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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 »

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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
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.

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.

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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...
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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.

2 Answers | Asked in Foreclosure and Real Estate Law for New York on
Q: Hello i live in queens ny and house i live in is in foreclosure & is going to be auctioned jan 24 2020. Whats my rights

Already in foreclosure.

Being auctioned 1/24/20.

Michael David Siegel
Michael David Siegel answered on Dec 31, 2019

Are you the owner or the tenant? If you are the tenant, you have the same rights you had before, including a lease.

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1 Answer | Asked in Foreclosure and Real Estate Law for New York on
Q: how to pay judgment and notify court Paid in full with a bond,
Michael David Siegel
Michael David Siegel answered on Nov 14, 2019

You need to file the bond with the clerk. There is a fee. The judgment will be stayed until the appeal is over.

1 Answer | Asked in Foreclosure, Real Estate Law, Landlord - Tenant and Legal Malpractice for New York on
Q: The hoa foreclosed and sold my house for non payment of dues and evicted me. Now they are renting it out. Legal?

I was temporarily not living there while evicting an ex girlfriend. She is the one served on the paperwork i want my house back and the 16000 dollars ive wasted on living and animal boarding

Elaine Shay
Elaine Shay answered on Oct 29, 2019

It is legally possible to foreclose against a property owner for nonpayment of common charges. This process could have legally proceeded even if you were not personally served with the papers commencing the case; however, the affidavits of service and other documents would need to be carefully... Read more »

1 Answer | Asked in Foreclosure for New York on
Q: Is it bank can open foreclosure case without signed affidavit from (client) bank employee ?

Bank open a foreclosure case with out client(bank) Signed affidavit .

If no affidavid shouldn’t open this case or

Shouldn’t started ? Am I wrong ?

How it’s work ? Thank you

Elaine Shay
Elaine Shay answered on Oct 29, 2019

Like other litigations, foreclosure cases are commenced by service of a summons and complaint not be service of an affidavit.

2 Answers | Asked in Foreclosure and Landlord - Tenant for New York on
Q: I am a tenant, home in process of foreclosur lease agreement still effective from previous landlord what are my rights?
Michael David Siegel
Michael David Siegel answered on Oct 29, 2019

You cannot be evicted. Make sure you have a copy of your lease to show the buyer at the sale.

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1 Answer | Asked in Foreclosure and Real Estate Law for New York on
Q: NY house is being sold in a forclosure auction. Need to remove my personal property. Do I need permission from the ban

Do I need permission from the bank to remove my personal property before the sale?

Elaine Shay
Elaine Shay answered on Oct 20, 2019

Are you the owner or a tenant? If you are the tenant, the lender would have no interest in your personal property. However, if you start taking appliances, the lender may not believe you own them. Likewise, if you are the owner, the lender would not be interested in your personal property but... Read more »

1 Answer | Asked in Foreclosure for New York on
Q: servicer set a foreclosure sale date for nov 21. we were not notified it was changed by attorney to november 4
Michael David Siegel
Michael David Siegel answered on Oct 16, 2019

Sale dates are set by the Referee and are advertised as per court order. Thus, your question makes no sense.

1 Answer | Asked in Foreclosure for New York on
Q: I own a Florida timeshare. The owner filed a non-judicial foreclosure demanding payment of assessments owed.

If sold pursuant to foreclosure can they keep entire proceeds even if it exceeds amount owed to Timeshare Company. I called and was told that I lose ownership in this foreclosure.

Michael Hales
Michael Hales answered on Oct 14, 2019

This may be true. To work through this, I'd have to review the terms of your purchase agreement.

1 Answer | Asked in Consumer Law, Contracts, Foreclosure and Real Estate Law for New York on
Q: Adverse Possession ? 1/11/2006 foreclosed 6/2006, knew not a thing about it and they sold it 3/2015. Does this meet it

Said they served my daughter 1/11/06, Forecosed on 6/2006. Knew nothing until 3//2015. 3/2015 Friend told me my home was being sold. 1/2005 home next door was 100% destoyed by water damage. The bank knew for a fact where I was living.

My daughter stated in court papers she was never... Read more »

Elaine Shay
Elaine Shay answered on Oct 8, 2019

I'm sure you are anxious for an answer but a real answer to your situation would best be sought by having an attorney review all the documents and facts related to your situation.

1 Answer | Asked in Foreclosure and Real Estate Law for New York on
Q: My husband and sister-in-law inherited a property in Jefferson New York. Need to foreclose, who would be a good lawyer?

Sold property in 2005 on 30 year contract to family member and his wife. Received payments until 2008, and then had several payment in default. Between 2005 and 2008 Mortgagees took out home equity loan with bank. Paper was signed to allow this to happen. Later on they apparently needed more money,... Read more »

Michael David Siegel
Michael David Siegel answered on Sep 4, 2019

You may have statute of limitations problems. Depends on the payments and documents in these deals. Search this site for a foreclosure lawyer in the area.

1 Answer | Asked in Foreclosure for New York on
Q: I have now been named and served as a defendant in the foreclosure of my mother's house, as she passed...

I received the summons yesterday (my husband answered the process server for me). I am not on the deed nor note for this house, and do not plan to contest the foreclosure, however, I want to remain in the loop about the proceedings. I also, do not want to hand my rights over to the bank's... Read more »

Michael David Siegel
Michael David Siegel answered on Aug 21, 2019

There is a special notice of appearance for foreclosures. I charge $500 to file it and monitor the case. It gives you notice of all proceedings, and any surplus issues. You do not owe anything. You are being named as an heir, I assume. The papers will say.

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