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Foreclosure Prevention

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Welcome to the January edition of our newsletter, Policy Matters. This edition is focused on our 2023 Policy Priorities....
Empire Justice Center is a non-profit law firm dedicated to making the law work for all New Yorkers. Through our 360 degree approach – practicing the law, teaching the law, and changing the law – we achieve justice for the people who need it most. These are our state policy priorities for 2023....

This presentation was recorded 1/13/2023 In this presentation we look at the end stages of foreclosure cases. Looking at the timeline for sales, we examine order of reference to judgment of foreclosure and sale to auctions. Also discussed is deficiency judgements, surplus proceedings and using bankruptcy as a tool. Other issues presented are deed theft […]

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This presentation was recorded 1/13/2023. Reverse mortgages can be confusing. In this presentation we’ll give a general overview of a reverse mortgage and how they operate. Then we will look at the rules governing reverse mortgages and common reasons for default and homeowner protections. Covered are the issues and rights of spouses in foreclosure in […]

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This presentation was recorded 1/13/2023 In this training presentation, we will review a range of loss mitigation tools such as Government Sponsored Enterprise (GSE’s) like Freddie and Fannie, FHA and private trusts. We’ll go over the basics and terminology used and talk a bit about the COVID adjustments that have happened over the past couple […]

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This presentation was recorded 1/13/2023. This training covers an overview of defenses, counterclaims and answering foreclosure complaints. Here we review the laws and regulations that govern mortgage lending and servicing; TILA, RESPA, ECOA, NY Baking Laws and CFPB mortgage servicing rules. We’ll do a walk through on how to answer a complaint and the use […]

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This presentation was recorded 1/13/2023. In this presentation, we review the players and parties involved in the foreclosure process, explain the differences of a mortgage versus a note and give context to who the originating lender, current owner and holder, investors, mortgage servicers are and potential third parties and other players. We also give an […]

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Welcome to the October edition of our newsletter, Policy Matters. In this edition we cover our work to promote greater access to justice, the massive inadequacy of the current public assistance grants, how to combat deed theft, the launch of our new school discrimination helpline, help for people with student debt, presentations and recognition for some of our amazing staff,...
Welcome to the September edition of our newsletter, Policy Matters. In this edition we cover our annual testimony on the importance of civil legal services, a final push for new tenant protections, our work to modernize the Community Reinvestment Act, advocacy for limited English proficiency SNAP recipients, recommendations for uniform standards of eligibility in family courts, a collection of recent...
Empire Justice Center testimony before The Chief Judge’s 2022 Hearing on Civil Legal Services in New York....

This program, recorded on July 13, 2022, will provide an overview of what foreclosure advocates need to know about debt collection, including the most recent updates from New York’s Consumer Credit Fairness Act. Advocates will gain a better understanding of the debt collection process, protections for consumers in debt collection actions, how debt collection lawsuits […]

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Empire Justice Center is excited to announce our Building Equity Initiative, a new component of our Homeowner Protection Program (HOPP). Advocates will learn to recognize barriers that have historically prevented many New Yorkers from attaining and maintaining homeownership and provide tools to ensure foreclosure prevention services are inclusive and equitable. Join Empire Justice Center and […]

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