Tanya P. Dwyer Law Blog

Foreclosure process for New Yorker residences after the Foreclosure Act of 2009. ... Read More

Settlement Conferences now available for the vast majority of New York homeowners in foreclosure, regardless of size, or mortgage, or type of home. ... Read More

Homelessness is prevented every time a foreclosure is prevented. Will it take work? Yes.  And if you're willing to do it, the rewards can be really great.  Here are some cautions.  Lenders will take your money and continue with the foreclosure sale.  Once you have that 90 day notice, it's time to talk to the judge, not your lender.  Put your mortgage payments in a separate bank account, and answer the summons (answer the court, not your lender).... Read More

I think mortgage modifications should be the first option when trying to make your mortgage affordable.  Refinances are costly, and straw sales leave homeowners vulnerable without legal rights.  When mortgage modifications are done properly, monthly payments are adjusted to suit the homeowners true budget, and you keep your name on the deed.... Read More

What can homeowners do once they’ve left the grace period and their mortgages balloon? The answer is, “it depends.”  It depends on your income.  It depends on your goals.  It depends on your willingness to act.  If your goal is to keep your family together in your home, that’s possible with some work and planning.  If your goal is simply to keep your family together in any descent home, then you have more options.  This entry discuss... Read More