Can you handle your own bankruptcy, divorce, eviction and/or foreclosure defense?

Sure!

Should you?

Depends.

We have been receiving more and more calls and visits from individuals whose do-it-yourself legal representation went awry.  These individuals have filed their own bankruptcy petition, started to defend their own foreclosure action, filed their own divorce petition or have tried to evict a tenant. We are usually asked if we can salvage their case by fixing the mistakes that were made. Sometimes we can, sometimes we can’t.

We are certainly not against people handling their own legal matters. We are all for people saving a buck in this economy. There are certainly situations where you can handle your own legal matter without any problems at all. However, you should be fully aware of the potential consequences you face should things not go so well.

Here are some of the potential consequences you face if you fail to properly follow procedure and/or the law when handling your own divorce, tenant eviction, bankruptcy filing, or foreclosure defense:

Eviction

  • Your case is dismissed (you have to start all over. You likely lose time and money)
  • Treble damages for an illegal eviction
  • Jail for an illegal eviction

Bankruptcy

  • Case dismissed for failing to follow law or procedure
  • Loss of non-exempt property
  • Denial of discharge
  • Adversary proceeding brought against (usually alleging  non-dischargeability of debt)
  • Jail for fraud

Foreclosure Defense

  • Your answer is treated as a notice of appearance
  • Loss of meritorious defenses
  • Loss of your home

Divorce

  • Dismissal of petition
  • Unnecessary delay
  • Loss of marital assets and spousal support

The above is not meant to dissuade you from doing any of the above on your own. It is simply meant to give you an idea of some potential consequences you might face. It might be a good idea to consult with a knowledgeable attorney before making a final decision on self-representation. You may find that the potential savings are not that great and that you could actually end up losing lots of money and time if things go wrong.

No matter what you decide to do, we wish you well.  All the best!

As always, The Law Firm of VAUGHN & WEBER, PLLC is here to assist you.  We are conveniently located in the heart of Nassau County, Long Island, at 217 Willis Avenue in Mineola, NY.  Contact us at (516) 858-2620 to speak with an attorney.


PBS: Faulty Paperwork Prompts Foreclosure Investigation

On October 14, 2010, in Foreclosure, by Robbie L. Vaughn, Esq.

In the following video Justice Schack, a NY Supreme Court Judge, and others discuss and provide examples of faulty foreclosure paperwork:

PBS Video: Faulty Paperwork Prompts Foreclosure Investigation

As always, The Foreclosure Defense Law Firm of VAUGHN & WEBER, PLLC is here to assist you. We are conveniently located in the heart of Nassau County, Long Island, at 217 Willis Avenue in Mineola, NY 11501. Contact us at (516) 858-2620 to arrange a FREE consultation with a foreclosure defense lawyer.

Please visit our Foreclosure category to learn more about foreclosure issues.

News: Interstate Recognition of Notarizations Act

On October 9, 2010, in Foreclosure, Message/News Board, by Robbie L. Vaughn, Esq.

There has been recent debate over the Interstate Recognition of Notarizations Act which was quietly passed by the U.S. House and Senate, but was pocket vetoed by President Obama.

This bill would require “any Federal or State court to recognize any notarization made by a notary public licensed by a State other than the State where the court is located when such notarization occurs in or affects interstate commerce.”

Many foreclosure defense attorneys challenge the legitimacy of documents presented to the court based on the notarization of  the documents. Thus, it appears that this bill, if signed into law, would make it much more difficult to challenge the authenticity of documents based on their notarization.

The Bill:

H.R.3808 — Interstate Recognition of Notarizations Act of 2010 (Enrolled Bill [Final as Passed Both House and Senate] – ENR)

–H.R.3808–

H.R.3808

One Hundred Eleventh Congress

of the

United States of America

AT THE SECOND SESSION

Begun and held at the City of Washington on Tuesday,

the fifth day of January, two thousand and ten

An Act

To require any Federal or State court to recognize any notarization made by a notary public licensed by a State other than the State where the court is located when such notarization occurs in or affects interstate commerce.

    Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the `Interstate Recognition of Notarizations Act of 2010′.

SEC. 2. RECOGNITION OF NOTARIZATIONS IN FEDERAL COURTS.

    Each Federal court shall recognize any lawful notarization made by a notary public licensed or commissioned under the laws of a State other than the State where the Federal court is located if–
    • (1) such notarization occurs in or affects interstate commerce; and
    • (2)(A) a seal of office, as symbol of the notary public’s authority, is used in the notarization; or
    • (B) in the case of an electronic record, the seal information is securely attached to, or logically associated with, the electronic record so as to render the record tamper-resistant.

SEC. 3. RECOGNITION OF NOTARIZATIONS IN STATE COURTS.

    Each court that operates under the jurisdiction of a State shall recognize any lawful notarization made by a notary public licensed or commissioned under the laws of a State other than the State where the court is located if–
    • (1) such notarization occurs in or affects interstate commerce; and
    • (2)(A) a seal of office, as symbol of the notary public’s authority, is used in the notarization; or
    • (B) in the case of an electronic record, the seal information is securely attached to, or logically associated with, the electronic record so as to render the record tamper-resistant.

SEC. 4. DEFINITIONS.

    In this Act:
    • (1) ELECTRONIC RECORD- The term `electronic record’ has the meaning given that term in section 106 of the Electronic Signatures in Global and National Commerce Act (15 U.S.C. 7006).
    • (2) LOGICALLY ASSOCIATED WITH- Seal information is `logically associated with’ an electronic record if the seal information is securely bound to the electronic record in such a manner as to make it impracticable to falsify or alter, without detection, either the record or the seal information.

Speaker of the House of Representatives.

Vice President of the United States and

President of the Senate.

Please visit our Foreclosure category to learn more about foreclosure issues.

Major Banks Halting Foreclosures in NY?

On October 2, 2010, in Foreclosure, by Robbie L. Vaughn, Esq.

Are foreclosures being halted in NY?

Foreclosure defense is a large part of our law practice. We are currently defending foreclosures brought by GMAC, Chase, Bank of America, Wells Fargo etc.  For the most part, we have not seen much evidence of these lenders suspending current foreclosure actions. They are still opposing our motions, replying to our answers, and having counsel attend the Mandatory Foreclosure Settlement Conferences on their behalf.

However, we have had several recent loan modification offers, requests for adjournments, and at least one major lender is attempting to discontinue their foreclosure action against one our clients. We were able to achieve the foregoing results by raising and vigorously litigating the “faulty/fraudulent paperwork” that is a part of many foreclosure actions.

So, we know what the headlines say, but we have YET to receive any calls from any lenders or their attorneys saying “Hey, we are discontinuing all of our foreclosures in NY.” We look forward to that day, but until then, we will keep raising the issues and fighting for our clients.

As always, The Foreclosure Defense Law Firm of VAUGHN & WEBER, PLLC is here to assist you.  We are conveniently located in the heart of Nassau County, Long Island, at 217 Willis Avenue in Mineola, NY 11501. Contact us at (516) 858-2620 to arrange a consultation with a foreclosure defense lawyer.

Please visit our Foreclosure category to learn more about foreclosure issues.

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. This website is Attorney Advertising. It does not form an attorney-client relationship. We are a debt relief agency and a law firm that helps people file for bankruptcy relief under the U.S. Bankruptcy Code – Title 11. Prior results do not guarantee a similar outcome. Proudly assisting residents of Long Island, Nassau county, Suffolk county, New York City, Queens, Brooklyn, Bronx, Staten Island, Manhattan