OUR SERVICES
Commercial Litigation & Appeals
Mortgage Foreclosure Defense
Loan Modification
Business Law
* CONSULTS
Cases and disputes can vary in complexity. Some can be handled in a routine 20 minute phone consult. More complex matters will require time to review and analyze documents and legal issues. If your matter is more complex, we may offer you a paid one hour consultation or hourly services, depending on the time needed to properly evaluate your situation. We always require a signed retainer agreement before we begin to provide legal services. The agreement will detail the scope of services included as well as your rights as a new client.
CONTACT US
Lanin Law P.C.
330 W 38th St., Suite 506
New York, N.Y. 10018
(212) 764-7250
*on W38th St. between 8th and 9th Avenues, walking distance from Port Authority, Times Square, and Penn Station
Loan Mod Companies – Be Careful Who You Trust
/in Foreclosure & Loan Mod Blog /by Scott LaninBeware of commercials for loan mods that promise the world and have a “specialist” doing all the talking. There is no such thing as a loan modification “specialist” in New York.
Ask yourself this: Read more
Feds Are Cracking Down On Mortgage Scams
/in Foreclosure & Loan Mod Blog /by Scott LaninGood loan modification lawyers spend at least 4 years in college, then 3 more in law school, then pass the bar exam, gain experience for maybe another 20 years or so practicing foreclosure and bankruptcy law and learning litigation skills, and are heavily regulated by their State Bar’s ethical rules. Bad loan modification consultants have a nice web page.
Why on earth would anyone trust their home to a “loan modification consultant?” There isn’t even such a thing in New York. And anyone who calls themselves a “loan modification consultant” in New York is breaking several laws. I’ve blogged on this before. Read more
Lanin Law P.C. Successful With Mortgage Loan Modification!
/in Foreclosure & Loan Mod Blog /by Scott LaninI just helped a client obtain a loan modification with Wachovia that will help him save his Brooklyn home. About two months ago, Wachoiva denied our request for a loan modification. Then, about three weeks ago the government came out with a new program to encourage lenders to work with borrowers. I blogged about this on March 7, 2009. After that, Wachovia had a change of heart and just agreed to an excellent loan mod. Now, is the optimal time for borrowers and homeowners to call my office for help with a loan modification. Don’t make the mistake of trying this without legal help.
Here is what we were able to achieve with Wachovia: Read more
Cash Out Refinancing Very Hard To Find
/in Foreclosure & Loan Mod Blog /by Scott LaninForget about cashing out. Mortgage loans are hard enough. Many people won’t qualify. Many lenders have closed. The remaining ones want better credit scores and larger down payments. A declining real estate market has decreased the equity in real estate for nearly everyone. Very few are able to refinance, let alone refinance and walk away with cash. Here is the NY Times take on this recent trend. Read more
You Can Modify Or Lien Strip Your Wholly Unsecured Second Mortgage In Chapter 13 Under The Current Law
/in Foreclosure & Loan Mod Blog /by Scott LaninThere is a powerful tool in Chapter 13 that is not widely reported. A second mortgage that is completely unsecured can be stripped in Chapter 13 and, in some cases, paid pennies on the dollar, while the homeowner keeps the home! Read more
You Need 60 Days Of Paystubs Or Proof Of Income In Chapter 13
/in Foreclosure & Loan Mod Blog /by Scott LaninHere is a good post on the risks that Chapter 13 debtors run if they do not maintain good records and produce copies of their paystubs for the last 60 days:
http://www.bankruptcylawnetwork.com/2008/12/23/do-i-really-need-to-file-60-days-of-pay-stubs-when-i-file-bankruptcy/