Stop Foreclosure Save your home loan modification help, avoid Short Sales Relief, Best Mortgage Foreclosure Lawyer video I'm Neil Colmenares. I represent homeowners in mortgage foreclosures. Although I have been in private practice for over a decade, I used to represent large banks in the foreclosure process. As a result, I have experience on both sides of the foreclosure fence. I urge you to take advantage of this unique knowledge and experience that I have acquired over the years. -If you're in foreclosure or are threatened with foreclosure, you have options. -First, if the bank has not commenced foreclosure proceedings, you can apply for modification, forbearance, short sale or deed in lieu of foreclosure. Please see the accompanying web page on this website for a definition of these terms. Sometimes negotiating with the bank before the foreclosure process can work to your advantage. Unfortunately, this is not always an option. If the bank has already commenced the foreclosure, it is imperative that you retain this office to file an "Answer" with the court. By Answering, we may be able to settle the lawsuit on terms that are favorable to you that the bank would not have agreed to but for filing an Answer. For example, in New York State, there is a mandatory "Settlement Conference" that is required in every foreclosure action. This Settlement Conference as well as the discovery phase of the foreclosure is an ideal time to remind the bank that over the past several years ...








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