Foreclosure Defense Attorney in Manhattan
Knowledgeable Foreclosure Lawyer in New York City
Since the housing collapse of 2008, countless people have seen their homes go into foreclosure due to an inability to pay their mortgage. Banks can seem like a faceless entity that are willing to take your home without providing any support or assistance. Millions of American homes have been abandoned or sold without the owners seeking help from a foreclosure attorney.
When you turn to the Law Office of Julio E. Portilla, P.C., our Manhattan foreclosure defense lawyer can work to ensure that your mounting mortgage bills do not result in the bank threatening foreclosure. If your home is already in foreclosure, you can still receive assistance from our experienced legal team. Many homeowners do not know the wide variety of opportunities that are available to them in terms of appeals. Others simply don’t have the time to fight for their own case. In these situations, a foreclosure attorney is necessary to ensure that you do not lose your home.
Call (917) 909-6166 today to arrange a free consultation to discuss your options for saving your family home.
What Is Foreclosure?
Foreclosure is a legal process in which the rights to a property are taken away from the owner and the property is then sold to satisfy unpaid mortgages and liens against the property. The foreclosure process can be initiated by mortgage holders and other lien holders who have a vested interest in loans on your property, which is used as collateral.
In most cases, foreclosure proceedings are started when payments become delinquent. The number of payments you are allowed to miss before a Notice of Default is filed and sent to you depends on the type of loan you have and should be stated on your mortgage contract. Normally, you have 90 days from the date the Notice is filed to take action to protect your home. However, you should contact an attorney to make sure of your rights and the time frame in your situation.
Can I Stop Foreclosure?
The good news is that there are ways to prevent foreclosure. For example, you can bring your mortgage payments current and all late charges, foreclosure fees, taxes, and insurance premiums. If you are unable to do so, you can contact your lender and try to negotiate a plan to modify your payments, but don’t wait until the last minute to do this. Other options include refinancing, selling your home, and or filing for bankruptcy. Bankruptcy will stop the foreclosure proceedings and give you time to work out a plan through the courts.
Protect Your Investment
There’s no way to know for sure which way the housing market will turn in the next few years. The most important thing is that you remain informed and take advantage of the services that our Manhattan foreclosure defense attorney offers. Our legal team is compassionate about fighting for your rights during your dire situation. It is important to remember that it is never too late for you to reclaim your home when it has gone into foreclosure.
The Law Office of Julio E. Portilla, P.C. works tirelessly to ensure that you are able to keep your home. We understand that people going into foreclosure cannot pay for their own housing at the moment. Our cost-effective services are designed to help you catch up with your mortgage. You can rest easy knowing that your home is safe from future threats of foreclosure as well.
The majority of the firm's clients are referrals. This is a testament to their faith in Attorney Portilla's ability to provide the best legal counsel and advocacy.
When you hire Attorney Portilla you can count on transparent communication regarding your case and fast response times on all questions!
For your safety and convenience, The Law Office of Julio E. Portilla, P.C. offers phone and video consultations as well as same-day appointments.
The team at The Law Office of Julio E. Portilla, P.C. is multilingual and serves its clients in English, Spanish and French.
Attorney Portilla takes the time to listen, walk you through the process, and create a personalized strategy for your case.
Attorney Portilla is a proven litigator who has vast experience handling various cases types in a courtroom successfully.
He not only guided me in my most difficult moments, but he was determined and positive at all times.- Kat Sykes
He helped us every step of the way and made us feel so comfortable during a very difficult time.- Anahida
He was there for me in my time of need when I thought I had no options.- Iris
I never felt lost, and the entire process was very stress-free thanks to Mr. Portilla.- Happy Client
He was there for us every step of the way and would recommend his services to anyone who needs a reliable lawyer.- A. Ovan