Stages of Foreclosure
This is based on a typical judicial mortgage foreclosure of residential real estate, ie: a one or two family house in the State of New York. Even if you are in a judicial mortgage foreclosure of a one or two family house in the State of New York, your case may not be typical.
Bankruptcy Options
Bankruptcy cases in the Southern, Eastern and Northern Districts of New York are now filed ELECTRONICALLY. Special passwords and software is required for this. Attorneys are issued passwords by the courts. One effect of this is that Bankruptcy cases can be filed at night, on weekends and on holidays.
Special Types of Foreclosure
Either the property is in someone else's name, and the bank refuses to speak to you or it is in your name and someone else's (like your angry uncooperative ex) and the bank will speak to you but then requires the cooperation of your uncooperative ex to actually do a modification.
About
Michael Kennedy Karlson
Michael Kennedy Karlson, Esq., born in New York City. B.A. from State University of New York at New Paltz, and a J.D. from Syracuse University School of Law. Admitted to practice law before the Courts of the State of New York in 1991 and before the Federal Courts of the Northern, Eastern and Southern Districts of New York in 1992 and later admitted to practice before the Federal Courts of the Western District of New York.
“The Safety of the people shall be the highest law”