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What is my first line of defense against mortgage foreclosure?

Carl E. Person

When a person feels like there is going to be a crisis coming up because of sickness or loss of job, loss of income, and therefore they won't be able to continue paying their mortgage, they should think ahead of time, maybe even six months in advance, see an attorney and talk with the attorney and see whether it is not appropriate now to stop paying the mortgage and save that money- fourteen months worth of mortgage payments. Use that to defend the action and then to obtain from the bank a modification agreement once they are in foreclosure. I am Carl Person. I'm a New York lawyer, and my job is to help people stay in their homes.

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attorney: Carl E. Person


What should I do first after a car accident in New York?

Shandell, Blitz, Blitz & Ashley, LLP

After an automobile accident here in New York, if you don't have to be taken to a hospital via an ambulance, make sure you call the police. Get the driver of the other cars name and his insurance information. Write down the make and model of his car. And most importantly get if there are any witnesses in the area. That's all important information for you to call and tell you lawyer when you call him. Hello my name is Mitchell Ashley of Shandell, Blitz, Blitz and Ashley. We've been helping people for over 30 years when they've been hurt through someone else's negligence. If you've been injured, let us help you.

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attorney: Shandell, Blitz, Blitz & Ashley, LLP


If I'm injured in a car accident, what should I do first?

Kantrovitz & Associates, P.C.

First and foremost, you should take care of yourself. Call your primary care physician, schedule an appointment with your doctor, go see your doctor. Then you should call an attorney, an attorney that is qualified, an attorney that is experienced in personal injury law. You can seek the advice of an attorney at any time. However, there are time limits where claims must be filed prior to the expiration of those time limits, otherwise you will lose your rights to bring an action against the responsible party. My name is Guy Moutsubano of Kantrovitz and Associates. We've been helping people in the Greater Boston area with automobile accident claims, worker's compensation, Social Security disability claims for the last twenty years.

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attorney: Kantrovitz & Associates, P.C.


What should I do if I purchased a flat-panel TV or monitor?

Girardi & Keese Lawyers

The question arises as what sort of person do you put under the flat screens. And the answer is right now nothing. This case is proceeding, and you are already a part of it, and we are going see, what happens;if you are successful in the case, two things are going to happen. First, well no I am not going to do any more. That’s the most important part. Secondly, you are going to be given, perhaps the opportunity to send in receipts and to get a repayment to you for the overcharges that took place when you buy a flat panel screen. My name is Tom Girardi. I am the senior part of the “Girardi Keese”. For the past 44 years we have helped the people in California who have been seriously harmed. I am really proud of the work we have done, and the role that we have played.

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attorney: Girardi & Keese Lawyers


Bankruptcy or a mortgage foreclosure defense?

Carl E. Person

The issue arises whether people should just file for bankruptcy or deal with a foreclosure action. My feeling is that if you have two options, don't use both of them at one time. I think there's an orderly progression. I think, on one hand, fight the foreclosure and if that doesn't work, then deal with bankruptcy. But I view the foreclosure proceeding as the first thing to do and I urge people to plan ahead and kick off the foreclosure by stopping payment when you know that you won't be able to pay any longer. I'm Carl Person, a New York lawyer and a fighter to keep people in their homes.

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attorney: Carl E. Person


What's most difficult about being a foreclosure attorney?

Carl E. Person

The difficult thing about my practice is that I represent people in distress, and distress is an economic situation. They have less money. They have less faith. They have...they're scared they are going to lose everything they have, and they come to me and they want me to help them. I can't help everyone that is in that dire circumstance. The best thing they can do is come to a lawyer--me or some other lawyer when they first have a foreclosure action against them. Then we can help them inexpensively and do a much better job than when they come belatedly. Or, they should get in there early and advise them to stop paying their mortgage so that they don't waste their money, and that they can precipitate a foreclosure and a modification more readily by doing it quickly, by stopping payment. That is what people need to know, and they don't know this. Instead, they talk with the bank, and the foreclosure is taking place. The foreclosure is going to happen. The faceless person at the bank does not call up the law firm and stop the foreclosure. They think it happens that way. I don't see it happening that way at all. So, the foreclosure is racing along, and then it's in default. And then they come to me saying that, "Oh my God, I'm gonna lose the property." What these people need to know in advance is that they don't have to lose a property that way, and it is not expensive to defend a foreclosure action if you do it timely. I'm Karl Pierson, a New York lawyer and a fighter to keep people in their homes.

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attorney: Carl E. Person