Protecting Your Home: With the Law Offices of Thomas J. Minotti, P.C. you get strong legal representation, an experienced litigator and expert negotiations when dealing with your Servicer/Lender. Mr. Minotti personally oversees every case, so you can rest assured that you are getting the professional service you need when pursuing solutions to your homeowner-hardship.

You may have heard the old saying "using a Carrot and a Stick", well that is the key to negotiating with your servicer or lender. We help them understand why it would be a good business decision to work with you and perhaps agree to a loan modification (the "Carrot") is far better than battling Mr. Minotti in court!

Why are Servicers/Lenders being so difficult in considering you for a Loan Modification? Good question! You would think that offering a loan modification would greatly reduces the risk of the loan defaulting. You would also think that in the current housing and financial markets lenders would be wanting to to reduce and minimize their losses. These seem like basic sound business decisions for the Servicer/Lender. Yet for some reason they delay, lose your documents, keep requesting more "stuff" only to send you an unfounded denial; it makes not sense at all!

Thomas J. Minotti, Esq. has been licensed in New York State since 1999.

The purchase of a home, commercial building or investment real estate property is often the largest investment of a person's life. We assist clients in all aspects of ownership, sale and purchase of residential and commercial real estate, and condos, including single family, multi-family, co-ops and commercial properties. Our services include:

Contract Negotiations
Real Estate Closings
Refinance Transactions and Closings
Review of Real Estate Brokerage Agreements
Foreclosure Defense
Lease Preparation, Drafting & Negotiation for Commercial and Residential
Premises Negotiation & Drafting Commercial or Residential Leases
Loan Closings for Mortgage and Bank Lenders
Landlord and Tenant Litigation, including evictions by Summary Proceedings and Tenant's Defense

Note: Prior results do not guarantee a similar outcome.