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Defend Your Home Foreclosure: An Interview with Frank Pipitone of Pipitone Law

By Frank Pipitone

Tell us a little bit about your experience, firm history and the areas of law that you practice.

I have been working in the consumer protection area of law since 2005 when I started as a paralegal for a consumer protection firm in Plainview. I was admitted to practice in 2009 and started Pipitone Law in 2012. My vision was to provide a more personal level of service to my clients based on a working relationship between myself and my clients. I practice in the consumer protection field including bankruptcy, debt settlement, foreclosure defense and strategic student loan solutions.

Are there any ways that a homeowner in Long Island can stop a foreclosure?

A homeowner can temporarily stop a foreclosure by responding to the foreclosure lawsuit. Many homeowners come to me and it is too late. When you are served with a foreclosure lawsuit, you typically have 20 or 30 days to answer depending on how you were served. This response will stop the foreclosure and induce a settlement conference. Filing bankruptcy will also temporarily stop a foreclosure proceeding with chapter 13 bankruptcy being a potential foreclosure solution.

What should a homeowner do if the lender doesn't comply with all of the foreclosure requirements?

In 2014 most lenders are complying with all requirements when filing foreclosures. This is a drastic change from a few years ago when many banks were filing foreclosures willy nilly. If a bank does not comply with Federal and State laws, homeowners have the absolute legal right to raise these defenses in court.

Is there anything that most homeowners don't know about foreclosures that they should know?

I think homeowners need to understand that foreclosure is a very long and tedious process for the bank. It is scary, but there are options and solutions available. So while this is not a position you want to be in, you do not want to panic as the process takes years, not months.

What is one of the biggest regrets you've seen people have when it comes to a foreclosure defense? What would you recommend to help homeowners avoid this?

I think the biggest regret I have seen is failure to act. Many people come to me when there house is about to be auctioned or a foreclosure judgement is entered. When I explain to them that this could have been avoided if they would not have ignored the initial foreclosure lawsuit, I see the regret on their faces. Many people are facing such financial hardship, they bury their heads in the sand.

What's the best way for people to reach you and your firm?

The best way to reach me is by visiting my website at fpbankruptcylaw.com. My phone number is 516-632-0337 and my e-mail is info@pipitonelaw.com.

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