JamesCassar-logo
CALL TODAY FOR A FREE CONSULTATION!
Buffalo (716) 218-3118 or Rochester (585) 270-1212

How Will You Save Your Home from Foreclosure?

If you are facing a foreclosure, you should strongly consider hiring an attorney. Foreclosures are complex, and the law imposes standards of proof on banks that often change over the years. It is very difficult for an inexperienced attorney, let alone an individual homeowner, to assert these defenses accurately. Mr. Cassar is an experienced litigator who can fight the bank for you.

The Law Office of James J. Cassar, Esq., can also assist you in pursuing a modification or other settlement. A modification may allow you to save your home by arriving at an affordable payment. This can reduce your interest rate and/or extend the term of the loan. You may also be eligible for a deferred principal balance and in some instances even a reduction in your principal balance. Applying his experience in the application process, Mr. Cassar can increase your likelihood of success.

If you are actually in foreclosure, there is no time to lose. Mr. Cassar offers free consultations. He will meet with you personally. At a minimum he can provide you with valuable information about how foreclosures work and what to expect. Imagine the freedom of having this problem solved. Call or e-mail him now to schedule a free consultation.

Contact Us Today

For A Free Initial Consultation

foreclosure-defense

Often it makes sense to hire an attorney to help you defend yourself against the bank in order to get the best possible outcome. The purpose of defending against a foreclosure is generally to buy you valuable time to assess all of your options, including personal bankruptcy, or even a short sale or deed-in-lieu, if retaining the home is not possible.

You need time to make these decisions. An experienced foreclosure defense lawyer, such as Mr. Cassar, will be able to slow the bank down and perhaps even stop the bank in some cases.

Hiring an attorney may be more affordable than you think. The fees for Mr. Cassar’s representation are ordinarily a fraction of what you would normally pay in a monthly mortgage payment.

Loan-modification

The most common way that a foreclosure is resolved, while allowing the homeowner to keep the home, is through a loan modification. A modification is similar to a refinance. The individual provides an application setting forth their income and expenses. Examining a snapshot of an individual’s monthly disposable income, the bank attempts to arrive at a new monthly mortgage payment. The bank does this through a combination of reducing the interest rate and extending out the loan term.

Mr. Cassar is knowledgeable about the application process, which is often difficult and frustrating for homeowners. It is not uncommon for an individual who may otherwise qualify for a modification to be denied for a failure to provide the required documents and information. In addition, the bank does make mistakes, and your denial can be appealed. If you are in a foreclosure and wish to enter into a modification, you should strongly consider hiring an attorney to assist you.

You need time to make these decisions. An experienced foreclosure defense lawyer, such as Mr. Cassar, will be able to slow the bank down and perhaps even stop the bank in some cases.

Hiring an attorney may be more affordable than you think. The fees for Mr. Cassar’s representation are ordinarily a fraction of what you would normally pay in a monthly mortgage payment.

foreclosure-litigation

James Cassar is a litigation attorney focusing his practice in foreclosure defense. Prior to opening his practice, Mr. Cassar represented banks in foreclosures across New York State. This gave him a unique perspective, as he now understands how banks and their attorneys handle and process foreclosures. He recognized that individuals in Western New York were in need of representation. Seeing this, Mr. Cassar opened his practice and has been helping homeowners avoid foreclosure ever since.

You need time to make these decisions. An experienced foreclosure defense lawyer, such as Mr. Cassar, will be able to slow the bank down and perhaps even stop the bank in some cases.

Hiring an attorney may be more affordable than you think. The fees for Mr. Cassar’s representation are ordinarily a fraction of what you would normally pay in a monthly mortgage payment.

loss-mitigation

Mr. Cassar will be looking for a way to help you get out of foreclosure without losing the home to an auction. The procedures for assessing and applying to the bank for a loan modification, forbearance plan, short-sale, deed-in-lieu, or cash-for-keys offer can generally be referred to as loss mitigation. Loss mitigation is the meat and potatoes of foreclosure defense. It is the most common way to resolve cases.

Sometimes, but rarely, cases can be won against the bank, and the action completely dismissed. But the bank can normally bring another case against you shortly after that, and fix the problems in the previous case. It is generally best to arrive at an agreement with the bank as soon as possible.

Mr. Cassar will advise you on your options in each case and will always be looking out for your best possible outcome.

foreclosure-defense

Often it makes sense to hire an attorney to help you defend yourself against the bank in order to get the best possible outcome. The purpose of defending against a foreclosure is generally to buy you valuable time to assess all of your options, including personal bankruptcy, or even a short sale or deed-in-lieu, if retaining the home is not possible.

You need time to make these decisions. An experienced foreclosure defense lawyer, such as Mr. Cassar, will be able to slow the bank down and perhaps even stop the bank in some cases.

Hiring an attorney may be more affordable than you think. The fees for Mr. Cassar’s representation are ordinarily a fraction of what you would normally pay in a monthly mortgage payment.

Loan-modification

The most common way that a foreclosure is resolved, while allowing the homeowner to keep the home, is through a loan modification. A modification is similar to a refinance. The individual provides an application setting forth their income and expenses. Examining a snapshot of an individual’s monthly disposable income, the bank attempts to arrive at a new monthly mortgage payment. The bank does this through a combination of reducing the interest rate and extending out the loan term.

Mr. Cassar is knowledgeable about the application process, which is often difficult and frustrating for homeowners. It is not uncommon for an individual who may otherwise qualify for a modification to be denied for a failure to provide the required documents and information. In addition, the bank does make mistakes, and your denial can be appealed. If you are in a foreclosure and wish to enter into a modification, you should strongly consider hiring an attorney to assist you.

You need time to make these decisions. An experienced foreclosure defense lawyer, such as Mr. Cassar, will be able to slow the bank down and perhaps even stop the bank in some cases.

Hiring an attorney may be more affordable than you think. The fees for Mr. Cassar’s representation are ordinarily a fraction of what you would normally pay in a monthly mortgage payment.

foreclosure-litigation

James Cassar is a litigation attorney focusing his practice in foreclosure defense. Prior to opening his practice, Mr. Cassar represented banks in foreclosures across New York State. This gave him a unique perspective, as he now understands how banks and their attorneys handle and process foreclosures. He recognized that individuals in Western New York were in need of representation. Seeing this, Mr. Cassar opened his practice and has been helping homeowners avoid foreclosure ever since.

You need time to make these decisions. An experienced foreclosure defense lawyer, such as Mr. Cassar, will be able to slow the bank down and perhaps even stop the bank in some cases.

Hiring an attorney may be more affordable than you think. The fees for Mr. Cassar’s representation are ordinarily a fraction of what you would normally pay in a monthly mortgage payment.

loss-mitigation

Mr. Cassar will be looking for a way to help you get out of foreclosure without losing the home to an auction. The procedures for assessing and applying to the bank for a loan modification, forbearance plan, short-sale, deed-in-lieu, or cash-for-keys offer can generally be referred to as loss mitigation. Loss mitigation is the meat and potatoes of foreclosure defense. It is the most common way to resolve cases.

Sometimes, but rarely, cases can be won against the bank, and the action completely dismissed. But the bank can normally bring another case against you shortly after that, and fix the problems in the previous case. It is generally best to arrive at an agreement with the bank as soon as possible.

Mr. Cassar will advise you on your options in each case and will always be looking out for your best possible outcome.

TIME TO ACT

If you have been served with a foreclosure summons, then there is a narrow window in which to answer the complaint.

With each passing stage, the bank moves closer to foreclosure, and the chances of success can be diminished. Some foreclosures are completed in 6 months or less. Call now to schedule a free consultation. Imagine the relief that can come from addressing this problem. Flexible payment plans are offered. Mr. Cassar will work with you to provide you with affordable representation. What is important is that you and he together come up with a plan immediately to save your home.

Office Locations

Buffalo Office
Rochester Office

Proudly Representing Western New York
Serving Buffalo, Rochester, Niagara Falls, Greece, Brighton, Irondequoit & all of WNY

LOCATIONS

37 Franklin St., Suite 1110, Buffalo, NY 14202

140-A Metro Park, Rochester, NY 14623

CALL TODAY

(716)-218-3118 | (585) 270-1212

FOLLOW US

Stay in touch with the latest news & updates.

Copyright © 2017 The Law Office of James Cassar