By john5766 March 16, 2018
They did amazing business startup law work for me. Everything was quick and efficient. Their service is top quality and they are available for their clients anytime. They give you a feeling that they are your business partner and not just another attorney. If you live in Queens or NYC I would definitely recommend giving these guys a call for any legal help in real estate, business etc. ...read more
By Alyona September 27, 2017
Legal matters can be overwhelming to say the least. I’m extremely happy that my sister-in-law introduced me to the law office of Inna Fershteyn. Inna Fershteyn explained Elder Law Planning to my husband and I and really put us all at ease and prepared to take care of our parents as they grow older. Inna was so diligent and took the time to truly educate us on all our options, helping us plan today for an uncertain tomorrow. ...read more
By Jack Mitchell November 28, 2016
Fisher Stone- Business, Corporate & Startup Law was very helpful. I called them up at 7183604972 and went to their office at 240 Bedford Avenue 5 out of 5 service. ...read more
Question:I am self-employed and due to medical reasons, I have recently had a loss of income and therefore I am now in aforeclosureprocess. I might be able to borrow funds from family to get current on my mortgage. However, I am wondering whetherbankruptcymight be a better option. If I consider debt reconsolidationbankruptcy, would the house be included in the re-consolidation? Response:If you are referring toChapter 13bankruptcy, then you could reorganize and consolidate the debts, such as a debt for a home. You would have to create a payment plan that would enable you to pay off the delinquent amount in 3-5 years. The best decision for you would have to be based on the overall state of your financial affairs. If you have delinquent credit card or medical bills, then most likelyChapter 13is the way to go, as it helps eliminate some or all unsecured debts while being able to save your most valuable assets, like a home and a car.In thelegal blog,Attorney Svetlana Kaplunaddresses typical questions our firm has received from our clients, or come across from homeowners related toforeclosure,foreclosure defense,loan modificationandbankruptcytopics.The information contained in thelegal blogofAttorney Svetlana Kaplunis for informational purposes only, and should not be construed as a legal advice on any subject matter.Please read our full disclaimerorcontactthe Law Office of Svetlana Kaplun, P.C. by telephone at 718-444-1115 for more information.Copyright © 2016Law Office of Svetlana Kaplun, P.C.modification, making home affordable, hamp, mortgage modification, harp refinance, making homes affordable, modifications, home affordable modification program, home affordable refinance program, hamp program, home loan modification, loan modification guidelines, foreclosures, foreclosure listings, foreclosure homes, mers, foreclosure settlement, foreclosure homes for sale, free foreclosure listings, foreclosure home, deed in lieu of foreclosure, foreclosure process, how foreclosure works, home foreclosure, foreclosure radar, bank foreclosure, home foreclosures, foreclosure listing, hud foreclosure, foreclosure laws, short sale vs foreclosure, stop foreclosure, totally free foreclosure home listings, foreclosure help, free government home foreclosure listing, free listing foreclosure home sale, free foreclosure listings with pictures, fannie mae foreclosure, independent foreclosure review, lawyers, power of attorney, personal injury attorney, attorneys, power of attorney form, durable power of attorney, power of attorney forms, criminal attorney, attorney search, medical power of attorney, free power of attorney, bankruptcy attorney, power of attorney template, power of attorney form download, durable power of attorney form, free power of attorney forms, general power of attorney, free printable power attorney form, lasting power of attorney, tax attorney, free power attorney forms, divorce attorney, ace attorney, disability attorney, attorney jobs, enduring power of attorney, attorney at law, patent attorney, free power of attorney forms to print, real estate attorney, injury lawyer, personal injury lawyer, defense lawyer, criminal defense lawyer, the lawyer, accident lawyer, a lawyer, criminal lawyer, motorcycle accident lawyer, rocket lawyer, bankruptcy lawyer, divorce lawyer, ask a lawyer, find a lawyer, lawyer referral, car accident lawyer, family lawyer, lawyer search, lawyer find, lawyer ratings, lawyer referral service, immigration lawyer, dui lawyer ...read more
By Svetlana Kaplun, Law Office P.C. March 25, 2016
Question:My property is under water by about $150k and my monthly mortgage payments right now only include: interest, taxes and an association fee. My interest only mortgage expires later this year, which means I will have to pay principal and interest. I can barely afford my monthly payments right now. I am considering either listing the house up forshort saleand then submitting the highest offer for bank's acceptance, or walking away from it. I wanted to know what my options would be if the bank did not accept theshort saleoffer? If I walk away from the property, can the bank hold me financially responsible? This loan is a result ofrefinancingseveral years ago, when my financial situation was more stable. Since then, the bank has denied all of myloan modificationrequests. Response:Banks generally approveshort saleswhere the purchase price is roughly equivalent to the fair market value of the property. If you believe you can get ashort saleoffer that would roughly match the fair market value of your property, then that's the amount that should be accepted by the bank. If this is your primary residence, then you will not suffer any financial consequences. You can also try to do adeed-in-lieuofforeclosureif you have bad luck selling your home. If you would like to get aloan modification, then you should consult with aprofessionalwho could determine if you are eligible for aloan modificationbased on your financials. For example, if you are unemployed and your only source of income is unemployment, then that would explain the denial. The bank, essentially, looks at your financials to determine whether you could pay off your loan at a lower interest rate and at a longer term (i.e. 2% interest rate over 40 years). It is possible that your paperwork was not properly filled out. If your priority is to save your home, you can always reapply forloan modificationif you had a change in income (even if your paperwork was not properly filled out before and now it would be filled out correctly, that would be a change in income from the bank's perspective).In thelegal blog,Attorney Svetlana Kaplunaddresses typical questions our firm has received from our clients, or come across from homeowners related toforeclosure,foreclosure defense,loan modificationandbankruptcytopics.The information contained in thelegal blogofAttorney Svetlana Kaplunis for informational purposes only, and should not be construed as a legal advice on any subject matter.Please read our full disclaimerorcontactthe Law Office of Svetlana Kaplun, P.C. by telephone at 718-444-1115 for more information.Copyright © 2016Law Office of Svetlana Kaplun, P.C.modification, making home affordable, hamp, mortgage modification, harp refinance, making homes affordable, modifications, home affordable modification program, home affordable refinance program, hamp program, home loan modification, loan modification guidelines, foreclosures, foreclosure listings, foreclosure homes, mers, foreclosure settlement, foreclosure homes for sale, free foreclosure listings, foreclosure home, deed in lieu of foreclosure, foreclosure process, how foreclosure works, home foreclosure, foreclosure radar, bank foreclosure, home foreclosures, foreclosure listing, hud foreclosure, foreclosure laws, short sale vs foreclosure, stop foreclosure, totally free foreclosure home listings, foreclosure help, free government home foreclosure listing, free listing foreclosure home sale, free foreclosure listings with pictures, fannie mae foreclosure, independent foreclosure review, lawyers, power of attorney, personal injury attorney, attorneys, power of attorney form, durable power of attorney, power of attorney forms, criminal attorney, attorney search, medical power of attorney, free power of attorney, bankruptcy attorney, power of attorney template, power of attorney form download, durable power of attorney form, free power of attorney forms, general power of attorney, free printable power attorney form, lasting power of attorney, tax attorney, free power attorney forms, divorce attorney, ace attorney, disability attorney, attorney jobs, enduring power of attorney, attorney at law, patent attorney, free power of attorney forms to print, real estate attorney, injury lawyer, personal injury lawyer, defense lawyer, criminal defense lawyer, the lawyer, accident lawyer, a lawyer, criminal lawyer, motorcycle accident lawyer, rocket lawyer, bankruptcy lawyer, divorce lawyer, ask a lawyer, find a lawyer, lawyer referral, car accident lawyer, family lawyer, lawyer search, lawyer find, lawyer ratings, lawyer referral service, immigration lawyer, dui lawyer ...read more
By Svetlana Kaplun, Law Office P.C. March 25, 2016
Question:My property is under water by about $150k and my monthly mortgage payments right now only include: interest, taxes and an association fee. My interest only mortgage expires later this year, which means I will have to pay principal and interest. I can barely afford my monthly payments right now. I am considering either listing the house up forshort saleand then submitting the highest offer for bank's acceptance, or walking away from it. I wanted to know what my options would be if the bank did not accept theshort saleoffer? If I walk away from the property, can the bank hold me financially responsible? This loan is a result ofrefinancingseveral years ago, when my financial situation was more stable. Since then, the bank has denied all of myloan modificationrequests. Response:Banks generally approveshort saleswhere the purchase price is roughly equivalent to the fair market value of the property. If you believe you can get ashort saleoffer that would roughly match the fair market value of your property, then that's the amount that should be accepted by the bank. If this is your primary residence, then you will not suffer any financial consequences. You can also try to do adeed-in-lieuofforeclosureif you have bad luck selling your home. If you would like to get aloan modification, then you should consult with aprofessionalwho could determine if you are eligible for aloan modificationbased on your financials. For example, if you are unemployed and your only source of income is unemployment, then that would explain the denial. The bank, essentially, looks at your financials to determine whether you could pay off your loan at a lower interest rate and at a longer term (i.e. 2% interest rate over 40 years). It is possible that your paperwork was not properly filled out. If your priority is to save your home, you can always reapply forloan modificationif you had a change in income (even if your paperwork was not properly filled out before and now it would be filled out correctly, that would be a change in income from the bank's perspective).In thelegal blog,Attorney Svetlana Kaplunaddresses typical questions our firm has received from our clients, or come across from homeowners related toforeclosure,foreclosure defense,loan modificationandbankruptcytopics.The information contained in thelegal blogofAttorney Svetlana Kaplunis for informational purposes only, and should not be construed as a legal advice on any subject matter.Please read our full disclaimerorcontactthe Law Office of Svetlana Kaplun, P.C. by telephone at 718-444-1115 for more information.Copyright © 2016Law Office of Svetlana Kaplun, P.C.modification, making home affordable, hamp, mortgage modification, harp refinance, making homes affordable, modifications, home affordable modification program, home affordable refinance program, hamp program, home loan modification, loan modification guidelines, foreclosures, foreclosure listings, foreclosure homes, mers, foreclosure settlement, foreclosure homes for sale, free foreclosure listings, foreclosure home, deed in lieu of foreclosure, foreclosure process, how foreclosure works, home foreclosure, foreclosure radar, bank foreclosure, home foreclosures, foreclosure listing, hud foreclosure, foreclosure laws, short sale vs foreclosure, stop foreclosure, totally free foreclosure home listings, foreclosure help, free government home foreclosure listing, free listing foreclosure home sale, free foreclosure listings with pictures, fannie mae foreclosure, independent foreclosure review, lawyers, power of attorney, personal injury attorney, attorneys, power of attorney form, durable power of attorney, power of attorney forms, criminal attorney, attorney search, medical power of attorney, free power of attorney, bankruptcy attorney, power of attorney template, power of attorney form download, durable power of attorney form, free power of attorney forms, general power of attorney, free printable power attorney form, lasting power of attorney, tax attorney, free power attorney forms, divorce attorney, ace attorney, disability attorney, attorney jobs, enduring power of attorney, attorney at law, patent attorney, free power of attorney forms to print, real estate attorney, injury lawyer, personal injury lawyer, defense lawyer, criminal defense lawyer, the lawyer, accident lawyer, a lawyer, criminal lawyer, motorcycle accident lawyer, rocket lawyer, bankruptcy lawyer, divorce lawyer, ask a lawyer, find a lawyer, lawyer referral, car accident lawyer, family lawyer, lawyer search, lawyer find, lawyer ratings, lawyer referral service, immigration lawyer, dui lawyer ...read more
By Attorney Svetlana Kaplun March 25, 2016
The industrial revolution forever altered the structure of societies throughout the world. A major change that this revolution brought was the shift of employment options from agriculture to industrial operations. This change resulted in the development of large companies that employed 1000's of peopl... ...read more
Effective leadership programs start with an experienced leader proven in legal and business success to motivate and instruct how that individual found success. Students in a leadership program must already have the drive and desire to be effective leaders in their community. ...read more
