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Areas of law typically handled
- Foreclosure Defense
- Mel Spivak is noted for Foreclosure Defense. He was featured in June 2008 by MSNBC.com in a featured article and "audio" slideshow.
- If your home is in foreclosure, it can be "rescued" from foreclosure with a Chapter 13 Bankruptcy, which requires a "Plan" in which you will repay your missed payments, your arrears. Call for an appointment to discuss this.
- Load Modification - We now have the opportunity to "work out" new terms to "modify" your mortgage within the Bankruptcy process in a sensible way tailored to your situation. In the Bankruptcy process we have the opportunity to adjust the "terms" of your Mortgage adjusted. For example, the interest rate or the amount due on your mortgage can be adjusted. Because you may owe much more than your home is worth, the Bankruptcy Court has implemented a "Loss Mitigation Procedure" to facilitate this process. Please allow me to assist and represent you through this process.
If a Chapter 13 Bankruptcy will not "work" for you, we can "oppose and defend" against the Foreclosure Lawsuit. By fighting it, I can keep you in your home form any months, often, up to a year, and not let you be "evicted" by surprise. I represent homeowners being foreclosed throughout the Hudson Valley.
- Consumer Bankruptcy
- Chapter 7 and Chapter 13
- Bankruptcy is a legal proceeding in which a person who cannot pay his or her bills can get a fresh financial start. Financial problems can be deeply disturbing and very stressful. Mel Spivak provides a comfortable environment to candidly discuss your financial problems. Based on your specific circumstances, Mel Spivak will determine whether or not bankruptcy will "work" for you.
- In 2005, the Bankruptcy Laws were changed to make bankruptcy a more difficult option for debtors. Mel Spivak has helped his clients overcome many of the hurdles that this "new law" imposes. Focus is on each client's specific needs and financial circumstances.
- Residential Real Estate Transactions
- Buying or Selling a Home
- Whether you are buying or selling real estate, Mel Spivak can patiently guide you from start to finish with advice, communication with other attorneys and realtors, preparation of contracts, personal attention to overcome obstacles that often accompany real estate transactions and finally the closing of title, when you will proudly own your new home or have successfully sold your home.
- Commercial Real Estate Transactions
- Vehicle and Traffic Offenses
- Being accused of speeding or reckless driving while visiting New York's Hudson Valley can impact your drivers license and insurance in your home state since New York has reciprocity with most other states when it comes to traffic violations. As an experienced traffic violations attorney, I can represent you in court, or negotiate a lesser charge and help you protect your license. If you get a speeding ticket or traffic ticket for any moving violation, call me to discuss it.
- Eviction Proceedings
- When the rent stops coming, time becomes the landlord's enemy and the tenant's friend. Time is money and the longer the tenant can remain rent free, the more money the landlord loses. Mel Spivak can take care of your eviction proceeding from beginning to end with timely preparation of the paperwork, arranging for process service, filing paperwork in court, court apperances and coordinating with the Sheriff for eventual removal of the tenant from the premises.
- Family Matters
- Divorce
- Separation
- Custody
- Family Offense
- Child Support
- Adoption
- Estate Matters
Foreclosure Surplus Recovery Proceedings
- If
circumstances did not permit you to pay your mortgage, even though your
mortgage was small and your home was worth much more than you owed on
it, Mel Spivak may be able to help you recover your equity, despite the
forclosure regardless of where your home was located in New York State.
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