Are you losing sleep over your finances? Is it getting tougher to pay your mortgage on time? The truth is we all have been affected by the biggest economic crisis since the great depression; and there seems to be no relief in site. On the housing front, long after being bailed-out by the government (with your tax dollars) it seems like "business as usual" for the Banks... how quickly they forget! Well, it does not have to be that way for you, find out how The Law Offices of Thomas J. Minotti, P.C. can help you get your financial-house back in order...a little HOPE can go a long way Hudson Valley!

Are you at risk of Foreclosure? Or, maybe just having trouble making you monthly payments? If the future is not looking good, you may have several good legal options that can help you with your mortgage. If things are real bad, these legal options may be able to save your home. Please keep in mind, that only an attorney licensed in New York can give a New York resident legal advice. Beware of "Loan Modification Companies", they cannot do anything for you that you can't do for yourself - these companies are not New York Law Firms. Also be advised that Modification Companies are not allowed to charge fees in advance of service! Why not play it safe, fill out our Questionnaire and find out what legal options you may have. Your initial consultation is FREE!

Your home is not your only expense. Your mortgage lender may only handle your situation with a one-dimensional approach, but your mortgage is not your only debt. Knowing all of your options and all of your legal rights is vital.

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Not all law firms are purely motivated by money! Yes, attorneys do have to charge fees for the professional services they offer; however, at the Law Offices of Thomas J. Minotti, P.C. we understand the financial hardships this recession has caused to good hard working people in our community, people just like you who are in financial situations never imagined. Our firm has instituted a new fee policy to ensure we can help as many local homeowners as possible in their battle to keep their homes. We are now offering a “Pay-As-You-Stay”(PAYS) payment plan for those who are cash-strapped, yet need the services of an attorney. Our fees do vary depending on the legal services that are needed; however, we do not require you to pay the entire fee in advance. Instead, we require a deposit which will be based on your current finances.

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