James J Quail & Associates, PC

05/28/2021

Tax foreclosure – If you’ve been struggling to keep up with your property taxes, your home could be lost in a tax foreclosure. If you’re worried about unpaid property taxes, or received a notice of tax foreclosure, please call an experienced Tax Foreclosure Lawyer today to discuss your best options going forward.

Learn here:

https://realestateattorneysny.com/tax-foreclosure/

05/25/2021

What is the foreclosure process in NY?

The foreclosure process is when the lender sues to recover the property after payments for the mortgage loan, taxes or insurance are not made. Prior to commencing an action, however, the lender must comply with several notices – depending on the borrower resides at the premises or not, or whether the property is vacant or consists solely of land. But generally, the lender’s servicer files a complaint with the state court and simultaneously filing a notice of pendency with the clerk of the county. That notice is served upon the borrower(s) and any occupants of the dwelling.

Learn here:

https://realestateattorneysny.com/foreclosure/

05/21/2021

Mortgage foreclosure defense – James J. Quail & Associates, P.C. is one of the best foreclosure defense firms in the State of New York, handling matters in Suffolk & Nassau County, the five boroughs of New York City, and the counties of Westchester and Rockland. Most judges in these jurisdictions look unfavorably upon mortgage defenses a borrower may have as they delay the resolution of cases. The number of foreclosure cases already exceeds what the foreclosure parts can handle, and consequently, it seems that every effort is made to ignore or overcome any defenses that a defendant in any other type of case is entitled to. For instance, a common defense involves mortgages give to MERS (“Mortgage Electronic Registration Systems”), which make up more than half of the cases currently in foreclosure. The system was set up decades ago to prevent the necessity of lenders from recording their interest in the clerk’s office of each county. The problem is the lender would keep the promissory note – thereby separating the debt from the mortgage, which uses the property as collateral for the loan.

Learn more:

https://realestateattorneysny.com/mortgage-foreclosure-defense/

05/10/2021

How does a tax foreclosure work?

Your accrued taxes, interest, and penalties will build up over time if you’re not keeping current with your property taxes. That delinquent amount can then become a lien on your property that can negatively affect your ability to sell your home or refinance your mortgage because liens remain with the property regardless of who owns it. That lien means the taxing authorities can introduce tax foreclosure proceedings (similar to the mortgage foreclosure process) on your house to collect the overdue amounts.

Learn more:

https://realestateattorneysny.com/how-does-a-tax-foreclosure-work/

05/01/2021

Mortgage foreclosure defense – Most judges in these jurisdictions look unfavorably upon mortgage defenses a borrower may have as they delay the resolution of cases. The number of foreclosure cases already exceeds what the foreclosure parts can handle, and consequently, it seems that every effort is made to ignore or overcome any defenses that a defendant in any other type of case is entitled to. For instance, a common defense involves mortgages give to MERS (“Mortgage Electronic Registration Systems”), which make up more than half of the cases currently in foreclosure. The system was set up decades ago to prevent the necessity of lenders from recording their interest in the clerk’s office of each county. The problem is the lender would keep the promissory note – thereby separating the debt from the mortgage, which uses the property as collateral for the loan.

Learn more:

https://realestateattorneysny.com/mortgage-foreclosure-defense/

04/25/2021

Welcome to the James J. Quail & Associates, P.C – Watch here:

https://vimeo.com/515147726

Our profound expertise within various areas of real estate law gives us an edge in this complex industry. We recognize that not all real estate transactions are…