Are you concerned about losing your home and your assets?
Have you received a pre-foreclosure notice from your bank or lender?
Have you received a notice of delinquency or a summons and complaint?

Don’t Panic: Our foreclosure attorneys can help you keep your home

One of the most emotional and financial challenges for most people are the struggles surrounding Foreclosure and/or Credit problems. If you are facing or considering foreclosure or encountering other serious credit problems, you're not alone.

Serious foreclosure and credit problems require serious legal solutions. At Rubin & Licatesi, we advocate on your behalf to mortgage servicers and lenders. Our philosophy is that adversarial relationships are costly, largely non-effective and destructive, so our goal is to help all parties navigate through these trying economic times. Our main goal is to help you avoid foreclosure, if possible and desirable.

If the possibility of losing your home has become frighteningly real, Rubin & Licatesi’s Queens foreclosure attorneys thoroughly understand the legal consequences and relevant legal statutes surrounding foreclosure. Our attorneys are in a position to stop the foreclosure process as soon as possible.

What to do when facing foreclosure

Stay on top of your financial situation. Take steps to remedy your mortgage problem as soon as you realize you are having difficulty. Options for saving a mortgage are greater when you are not in default on your mortgage loan.
Realize that you need help, and ask for it. Our lawyers offer a free consultation to homeowners who are facing foreclosure.
Consider a repayment plan. If you are only a few payments behind, consider formulating a repayment plan with your lender—one that increases short-term payments and enables you to catch up on your loan. If you face reduction in income, talk to your lender about a forbearance, which provides suspension or reduction of mortgage payments for a certain period, after which you pay higher payments to make up for the deficit.
Loan modification. If eligible, your lender may agree to lower your principal, adjust your interest rate, extend your loan term, or make other modifications to help you continue making mortgage payments.
Filing bankruptcy. If necessary, and if eligible, you can file Chapter 13 bankruptcy and provide your lender with a long-term repayment plan, allowing you to keep your house. Your lender may also agree to accept title on your home in exchange for cancelling your debt—thereby saving your credit rating, but forfeiting your home.

No matter how behind you are with your mortgage, you can still improve your situation if you are as pro-active as possible, and we can help you do that.

Because of our firm's combined expertise in real estate and litigation, we will personally initiate a conversation and review process with your lender. And our experienced foreclosure lawyers will work to create a rescue plan to meet your financial goals. The law firm of Rubin & Licatesi, P.C. will negotiate on your behalf through the maze of foreclosure laws, rules and regulations.

Contact Rubin & Licatesi, P.C., today

If you are facing foreclosure, Rubin & Licatesi is ready to help. Just call us at (516) 204-7715 for a free consultation and let one of our attorneys meet with you and discuss your options. Or use the online form to contact one of our firm's experienced real estate lawyers.

Verdicts & Settlements

$8 Million Dollar Settlement – Largest Settlement 2nd Department

Plaintiffs sustained displaced fracture of the right calcaneus, severe degloving injury of the right heel pad; laceration of the right lateral foot; closed fracture of the right tibia and fibula requiring nailing of the right tibia with two proximal and two distal locking bolts ultimately resulting right below-the-knee amputation.
$3 Million Dollar Settlement During Jury Trial

Infant plaintiff sustained encephalopathy as result of DPT vaccination administered by NYC Health and Hospitals Corporation.

$1,770,000 Settlement at Mediation

Plaintiff was involved in a car accident resulting in multiple disc herniations requiring percutaneous fluoroscopic-guided epidural treatment and lumbar fusion laminectomy.
$1,157,000 Award

Plaintiff injured at worksite sustaining traumatic tear of the left biceps tendon with tendon retraction which required surgery.

$990,000 Settlement at Jury Selection. Federal Court. Eastern District

Plaintiff was pedestrian struck by van resulting in multiple fractures requiring several surgeries.
$800,000.00 Award at Arbitration Hearing

Plaintiff sustained L3-4 disc herniation; L4-5 disc herniation; L5-S1 disc herniation; T12-Ll disc bulge; Ll-L2 disc bulge; L2-3 disc bulge; C6-7 disc herniation with ventral CSF impression; C3-4 disc bulge with impression; C4-5 disc bulge with impression; C5-6 disc bulge with impression; Anterior cervical diskectomy at C6-7 with intervertebral implant; arthodesis of C6-7.
$700,000.00 Settlement at Jury Selection

Pedestrian lmockdown sustaining right displaced zygoma fracture post trauma with significant displacement; right aveoli and palatal fracture with malocclusion; right orbital and ethmoid fractures with enophthalmos.
$450,000.00 Arbitration Award

Defendant's vehicle struck the plaintiff who was a pedestrian. Plaintiff sustained right tibial plateau bicondylar fracture, requiring surgery in the form of open reduction and internal fixation with bone graft.

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