Facing Foreclosure? Don't Lose Your Home. Get Help from NY & NJ's Top Mortgage Modification Lawyers

Behind on Your Mortgage Payments? Facing Foreclosure? Our Skilled NYC & NJ Foreclosure Defense Lawyers Can Help. Free Consultation. Call Now (516) 326-2333.

The Law Offices of Gus Michael Farinella PC - Fighting Foreclosure & Negotiating Loan Modifications

Millions of homeowners face the threat of foreclosure every year. If you're struggling to make your mortgage payments, you're not alone. The Law Offices of Gus Michael Farinella PC can help. Our experienced foreclosure defense attorneys in NY and NJ are skilled negotiators who can help you explore your options, including:

We will work tirelessly to negotiate a loan modification with your lender, potentially lowering your monthly payments, interest rate, or extending the loan term to make your mortgage more affordable.

If a loan modification isn’t possible, we will fight aggressively to protect your home in foreclosure lawsuit proceedings.

What is a Mortgage Modification?

A mortgage modification is a change to the terms of an existing loan, often to reduce monthly payments or interest rates, making it easier for borrowers to manage their payments.

Save Your Home and Reduce Your Monthly Payments with a Loan Modification

A mortgage modification is a legal process where you work with your lender to change the terms of your existing mortgage loan. This can be a lifesaver if you’re facing financial hardship and struggling to make your monthly payments.

Benefits of a Mortgage Modification

The benefits of mortgage modifications include, but are not limited to the following:

This is often the primary goal of a loan modification. Our team will work with you to create a new payment plan that fits your current budget.
A lower interest rate can significantly reduce your overall mortgage payment and save you thousands of dollars over the life of the loan.
In some cases, your lender may agree to forgive a portion of your principal balance, reducing your overall debt and making your mortgage more manageable.
Extending the loan term will lower your monthly payment by spreading the total amount owed over a longer period.
A fixed interest rate provides stability and protects you from future interest rate increases.

Talk to NY and NJ Mortgage Modification and Foreclosure Lawyers Today

If you are the risk of foreclosure due to defaults on loan payment, don't wait until it's too late. Contact The Law Offices of Gus Michael Farinella PC by calling (516) 326-2333 or completing and submitting this contact form (link to the contact page) to book your free consultation with a skilled NY or NJ mortgage modification attorneys today.

Fight for Fair Credit! NY Credit Report Correction & Dispute Lawyers

NYC Credit Report Errors Got You Down? We Can Help! Free Consultation.

Is inaccurate credit information dragging down your score? Our NY Credit Consumer Protection Attorneys can help! Free Consultation. Call Now (516) 326-2333.

You Deserve Fair and Accurate Credit Reporting

Your credit report plays a major role in your financial life. It can impact your ability to secure loans, rent an apartment, and even get a job. Unfortunately, errors and inaccuracies on your credit report are more common than you might think. These errors can significantly lower your credit score and limit your financial opportunities.

The Law Offices of Gus Michael Farinella PC - Protecting Your Credit Rights in NY

At The Law Offices of Gus Michael Farinella PC, we understand the importance of a fair and accurate credit report. Our dedicated NY credit report lawyers are passionate about helping clients fight for their rights and remove inaccurate information from their credit reports. We have 50 years combined experience in dealing with credit bureaus and creditors to ensure your credit report accurately reflects your financial history.

Don't Let Credit Report Errors Hold You Back!

Here are some common credit report errors that can negatively impact your score:

We Can Help You Dispute Credit Report Errors in NY and NJ

The Fair Credit Reporting Act (FCRA) gives you the right to dispute any errors on your credit report. Our NY and NJ credit report dispute lawyers can help you navigate the complex dispute process by

Correct Your Credit Report Errors Today

If you have noticed errors in your credit reports, The Law Offices of Gus Michael Farinella PC can help. We are committed to helping you achieve a fair and accurate credit report that reflects your financial responsibility. Don't let credit report errors hold you back any longer. Call The Law Offices of Gus Michael Farinella PC at (516) 326-2333 or complete and submit this contact form (link to the contact page) to book your free consultation with a skilled NY credit report lawyer.

Stop Debt Collector Harassment! Know Your Rights Under Federal and NY's Fair Debt Collection Laws

Stop Debt Collector Harassment! Know Your Rights Under Federal and NY's Fair Debt Collection Laws

NYC Debt Collectors Harassing You? Fight Back! We Can Help You Stop Debt Collector Abuse. Free Consultation. Call Now (516) 326-2333.**

The Law Offices of Gus Michael Farinella PC - Protecting You from Debt Collector Harassment

Debt collectors can be relentless and intimidating. If you're facing overwhelming debt and dealing with aggressive debt collection tactics, you're not alone. The Law Offices of Gus Michael Farinella PC can help. Our experienced NY debt collection defense attorneys understand the Fair Debt Collection Practices Act (FDCPA) and are committed to protecting your rights.

Know Your Rights Under the Fair Debt Collection Practices Act (FDCPA)

The FDCPA is a federal law that regulates the way debt collectors can communicate with you. This law protects you from harassment, abuse, and unfair debt collection practices. It also provides for monetary awards for actual damages.

Common Violations of the Fair Debt Collection Practices Act

Debt collectors must identify themselves as such and explain the purpose of their call in the first communication. They must also identify themselves in all subsequent communications.
If you tell a debt collector to stop contacting you, they can only communicate with you to confirm they will stop or to obtain payment.
Debt collectors cannot discuss your debt with anyone other than you, your spouse, and your attorney (with your permission).
Debt collectors cannot threaten to garnish your wages unless they have already obtained a court judgment against you.
Debt collectors cannot call you at unreasonable times (before 8 am or after 9 pm) or use abusive language.

Fighting Back Against Debt Collector Harassment

If you believe a debt collector has violated the FDCPA, you have the right to take legal action. We can help you:

Get Professional Legal Representation Today

Don't let debt collectors bully you. The Law Offices of Gus Michael Farinella PC can help you fight back. Contact us today at (516) 326-2333 or complete and submit this contact form (link to the contact page) to book your free consultation with Gus Michael Farinella and/or Supreet Parmar, and/or Ryan Gentile, all seasoned NY debt collection defense lawyers.