NY & Fl Short Sale Attorney

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Debt Consolidation, Suffolk County

A short sale in real estate is not optimal for a homeowner.  The proceeds from the sale of your house belong to the bank in order to satisfy your debt, leaving you with no profit from your investment. Many short sales leave a deficiency balance for which you're responsible. This transaction is contingent upon the sale of your home to someone who is not your alter ego.  Unfortunately, you can not receive any money and it is usually performed in short period of time.  With a NY or Florida short sale, you not only lose ownership of your home, but you run the risk of ruining your credit.

Though this may be a viable choice in your situation, it is my least favorite option.  The homeowner is the only one who loses. The real estate broker retains their profit and fees and the purchaser benefits from your hardship. 

Be careful, as short sales in Florida and New York are where most of the mortgage fraud happens today.  The buyer will purchase your home at a discount and pay your bank with funds from someone who is buying in the next room for hundreds of thousands of dollars more. If they promise you money under the table, that is fraud.  You don't want to be part of that. 

Alternatives to Short Sale in New York or Florida

A better option would be a deed in lieu of foreclosure, if that can be negotiated, which allows the borrower to convey, or transfer, all interest in real property to the bank in order to satisfy the defaulted loan and avoid the foreclosure process.  This is far better for both the borrower and the lender than a short sale.  The borrower is not only released from the debt, but it is less damaging to their credit.  For the lender, this process is less time-consuming and less expensive.

Short Sale

We can help you make decisions about what to do with your home when you find you can't make your mortgage payments. If you are thinking about a short sale in Florida or New York, we can discuss the details with you so you fully understand the ramifications of this decision.

Debt consolidation and bad credit debt refinancing in Suffolk is a good start to keeping your home instead of losing it to foreclosure or short sale. Let's talk about all of your options while there is still time to save your home. Call us today!

There are options available to you. Know what they are before you decide what to do. Get all the facts from a knowledgeable trustworthy attorney who offers a price and service guarantee.

New York Service Areas:  
Queens, Brooklyn, & Long Island

Florida Sevice Areas:
By appointment only

Affiliated Attorneys:
Michigan & Throughout the Country

General Litigation

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Hours of Operation:
Monday-Sunday, 9 a.m.-10 p.m.
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There are several benefits to filing bankruptcy verses trying to consolidate the debt through a company.  First is, if you qualify you will be debt free....

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