Defending a Foreclosure Action in Nassau County, New York - Attorney Carl E. Person - 212-307-4444

6 Rules for Saving Your Home from Foreclosure and Sale

Here are six rules I urge you to consider when you have been served with a summons and complaint in a foreclosure action in any of the 62 Counties in New York State:

  1. You must answer the complaint on a timely basis (usually within 20 days after service, but let your lawyer determine this for you); also, you are better served if you retain an attorney shortly after you receive a Notice of Intent to Foreclosure (which is required under New York law to be served at least 90 days prior to commencement of a foreclosure action).

  2. You need an experienced mortgage foreclosure defense attorney to give yourself the best defense;

  3. Even if you owe all of the money claimed, you can still have legitimate defenses to the foreclosure action - New York law protects homeowners, but only if you act promptly;

  4. Conferencing in a foreclosure action should be understood and closely followed by you, because this court-mandated conferencing is your best opportunity for saving your property, but only if you understand and use the conferencing period, and make sure you do not lose your conferencing rights by non-appearance or by failure to provide information.

  5. You have a much better chance of saving your property from foreclosure if you act in accordance with the first four points above; and

  6. For your information, New York State is the best state of all 50 states for homeowner protection during mortgage foreclosure actions. Take advantage of these protections. Call me to find out some of these protections and to discuss your situation. Also, you might want to look at some of my 100+ YouTube videos on defending foreclosure actions. A description of these videos with links is available at My 100+ Videos on Foreclosure Defense.

Free eBooklet (273 pages) HOW TO GET RID OF YOUR UNWANTED DEBT (Rev. 5/14) by attorney Carl E. Person

If you are now facing a foreclosure action in any of the 62 Counties of New York State, I will email you a free copy of my 273-page eBooklet entitled "How to Get Rid of Your Unwanted Debt". The eBooklet covers home mortgage debt, credit card debt, student loan debt, and IRS debt. To see the table of contents, click on Table of Contents.

The eBooklet should give you some good information about how to eliminate some or all of your debt. I should add, however, that the section on mortgages deals with saving your mortgaged home from foreclosure instead of trying to have your loan declared unenforceable (something which rarely happens).

To get your free copy, just call me at 212-307-4444 and tell me about the foreclosure action you are now facing, assuming you do not already have an attorney. Too many homeowners fail to hire an attorney to protect their rights, and lose their home as a result. Whether or not you already have an attorney, I'll email you a copy of my eBooklet.

Please include the ZIP Code for the location of your property (and the ZIP Code included in the MERS or Mortgage Electronic Registration Systems, Inc. database of mortgaged properties (owned by MERSCORP Holdings, Inc., owned and controlled by the major banks) , which should be one of the following for Queens, New York: 11001, 11003, 11010, 11020, 11021, 11023, 11024, 11025, 11030, 11040, 11041, 11042, 11043, 11044, 11050, 11051, 11052, 11053, 11054, 11055, 11096, 11099, 11501, 11507, 11509, 11510, 11514, 11516, 11518, 11520, 11530, 11535, 11536, 11542, 11545, 11548, 11549, 11753, 11756, 11758, 11762, 11765, 11771, 11773, 11774, 11783, 11791, 11793, 11797, 11801, 11803, 11804, 11815, 11819, 11853, 11854 and 11855.

Call me and I'll email you instructions (using your ZIP Code) for finding out if the mortgage note for your mortgaged property purports to be registered with MERS, which is a bank-owned stock exchange for residential mortgages. Incidentally, if you have a second mortgage, the owner of the note may not be the same as the owner of your first mortgage note because of securitization rules for risk distribution which do not permit a securitized pool (with a major bank as Trustee) to own more than one mortgage note from a given ZIP Code.

Name, Location and Telephone No. of Supreme Court for Nassau County

Nassau County Supreme Court
100 Supreme Court Drive
Mineola, NY 11501

Nassau County Supreme Court
262 Old Country Road
Mineola, NY 11501

Nassau County Supreme Court
252 Old Country Road
Mineola, NY 11501-4261

Other court locations for Nassau County may be available at NYS Website to Look Up Court Addresses in NYS.

Telephone Number for Clerk of Nassau County Supreme Court: 516-493-3400 (100 Supreme Court Drive) and 516-493-3600 (252 and 262 Old Country Road).

Pending Foreclosures in Nassau, New York and Foreclosure Trends

Communities and neighborhoods in Nassau County:

Nassau County is divided into 2 cities (Glen Cove and Long Beach) and 3 towns (Hempstead, North Hempstead and Oyster Bay). Within these 5 political subdivisions there are 64 incorporated villages and more than 100 unincorporated areas. The 64 incorporated villages are listed at the end of this page. Source:

Population of Nassau County: 1,352,146 (est. 7/13); land area: 287 square miles. Sources: FactBook.org and Wikipedia

The number of pending foreclosures in Nassau County as of October, 2013 was 1 in every 964 mortgaged properties, according to statistics compiled by foreclosures.com. See Number of Pending Foreclosures in Nassau County and Foreclosure Trends by RealtyTrac

Foreclosure proceedings in NYS as of the end of 2013 are 1 for every 2,141 mortgaged properties. The 5 NY counties with the highest foreclosure rate are:

  1. Putnam County, 1 in every 353 mortgaged properties;
  2. Rockland County, 1 in every 811 mortgaged properties;
  3. Orleans County, 1 in every 875 mortgaged properties;
  4. Columbia County, 1 in every 909 mortgaged properties; and
  5. Nassau County, 1 in every 964 mortgaged properties.

How You Can Fight Foreclosures in Nassau County

Foreclosures result more from extended wrongful conduct of lenders than any comparable wrongdoing by homeowners. Meaningful reform needs to begin at home, in the towns, village, municipality and hamlet, where concerned citizens can organize and change the rules, to create a better economy for themselves.

In any of the 62 "Cities" in New York State voters have the right to enact laws directly, and should do so. The 62 "cities" are listed at List of 62 Cities in NYS My www.voterslaws.com website provides examples of "ballot initiatives" for creating change in the laws of NYC. There are some changes in law that can be expected to result in an improved economy for voters and other residents of any city in New York State. If you live in a "city" and were an elected executive or legislator in your city, what laws would you like to enact? You can do this through a ballot initiative (see Voterlaws.Com for Local Ballot Initiatives in New York for examples of local statutes that can be enacted by voters directly in city elections). Also, New York Home Rule Law permits voters in each County to participate in making amendments to the county Charter.

If you believe that we need changes, you might want to hitch up with the local Libertarian Party, at:

Nassau County Libertarian Party Mailing List.

Or, email Gary Donoyan at gdonoyan@verizon.net or Blay Tarnoff at blay@eblay.com to join the county chapter.

Additional Website for Attorney Carl Person:

Website for Attorney Carl E. Person.

For the c.v. (resume) of Attorney Carl E. Person, click on Carl Person C.V.

Carl E. Person, Attorney at Law
225 E. 36th Street - Suite 3A
New York NY 10016-3664

Call me at 212-307-4444 or email me at carlpers2@gmail.com and then follow up with a call to 212-307-4444.

The 64 incorporated villages in Nassau County:

Hempstead, Town of (516) 489-5000

  1. Atlantic Beach, Village of (516) 371-4600
  2. Bellerose, Village of (516) 354-1000
  3. Cedarhurst, Village of (516) 295-5770
  4. East Rockaway, Village of (516) 887-6300
  5. Floral Park, Village of (516) 326-6300
  6. Freeport, Village of (516) 377-2200
  7. Garden City, Village of (516) 742-5800
  8. Hempstead, Village of (516) 489-3400
  9. Hewlett Bay Park, Village of (516) 295-1400
  10. Hewlett Harbor, Village of (516) 374-3806
  11. Hewlett Neck, Village of (516) 295-1400
  12. Island Park, Village of (516) 431-0600
  13. Lawrence, Village of (516) 239-4600
  14. Lynbrook, Village of (516) 599-8300
  15. Malverne, Village of (516) 599-1200
  16. Mineola, Village of (516) 746-0750
  17. New Hyde Park, Village of (516) 354-0022
  18. Rockville Centre, Village of (516) 678-9300
  19. South Floral Park, Village of (516) 352-8047
  20. Stewart Manor, Village of (516) 354-1800
  21. Valley Stream, Village of (516) 825-4200
  22. Woodsburgh, Village of (516) 295-1400

    North Hempstead, Town of (516) 627-0590

  23. Baxter Estates, Village of (516) 767-0096
  24. East Hills, Village of (516) 621-4251
  25. East Williston, Village of (516) 746-0782
  26. Flower Hill, Village of (516) 627-2253
  27. Great Neck, Village of (516) 482-0019
  28. Great Neck Estates, Village of (516) 482-8283
  29. Great Neck Plaza, Village of (516) 482-4500
  30. Kensington, Village of (516) 482-4409
  31. Kings Point, Village of (516) 482-7872
  32. Lake Success, Village of (516) 482-4411
  33. Manorhaven, Village of (516) 883-7000
  34. Munsey Park, Village of (516) 365-7790
  35. North Hills, Village of (516) 627-3451
  36. Old Westbury, Village of (516) 626-0800
  37. Plandome, Village of (516) 627-1748
  38. Plandome Heights, Village of (516) 627-1136
  39. Plandome Manor, Village of (516) 627-3701
  40. Port Washington North, Village of (516) 883-5900
  41. Roslyn, Village of (516) 621-1961
  42. Roslyn Estates, Village of (516) 621-3541
  43. Roslyn Harbor, Village of (516) 621-0368
  44. Russell Gardens, Village of (516) 482-8246
  45. Saddle Rock, Village of (516) 482-9400
  46. Sands Point, Village of (516) 883-3044
  47. Thomaston, Village of (516) 482-3110
  48. Westbury, Village of (516) 334-1700
  49. Williston Park, Village of (516) 746-2193

    Oyster Bay, Town of (516) 624-6100

  50. Bayville, Village of (516) 628-1439
  51. Brookville, Village of (516) 626-1792
  52. Centre Island, Village of (516) 922-0606
  53. Cove Neck, Village of (516) 922-1885
  54. Farmingdale, Village of (516) 249-0093
  55. Lattingtown, Village of (516) 676-6920
  56. Laurel Hollow, Village of (516) 692-8826
  57. Massapequa Park, Village of (516) 798-0244
  58. Matinecock, Village of (516) 671-7790
  59. Mill Neck, Village of (516) 922-6722
  60. Muttontown, Village of (516) 364-3476
  61. Old Brookville, Village of (516) 671-4664
  62. Oyster Bay Cove, Village of (516) 922-1016
  63. Sea Cliff, Village of (516) 671-0080
  64. Upper Brookville, Village of (516) 624-7715

Copyright © 2007-2008, 2014 by Carl E. Person