MW &M

 

 

  
Mattleman, Weinroth & Miller, P.C.

 

 Mortgage Foreclosure/Bankruptcy Practice

Our Mortgage Foreclosure Department provides innovative and aggressive counsel to secured creditors. The Department consists of experienced and knowledgeable attorneys and a highly trained staff utilizing a sophisticated computerized docketing program designed to expeditiously prosecute residential and commercial foreclosures. The Firm has implemented a P.C. based network using Novell Netware 4.2. The specialized software package that we use, from Jim Hubbard and Associates, allows us to efficiently process files through complete data tracking that is updated automatically as documents are created. The Jim Hubbard software enables us to run a wide range of status and statistical reports, and provides our clients with remote access to data. Our clients can check file status, add new files and review file histories directly on our system. This system allows for electronic data exchange, thus maximizing the servicing of the files placed with our firm. Because of the software's sophisticated tracking feature and automatic document generation, we are able to effectively maintain and service a large volume of files.

In utilizing this software, the Mortgage Foreclosure Department is uniquely prepared to represent our clients in state court foreclosure actions as well as in Federal Bankruptcy Court. The combined expertise of our creditors rights group and real estate group provides a full range of legal services in the following areas:

  • Foreclosure: The Firm has extensive experience in representing first and second mortgagees in residential and commercial foreclosures. Recognizing the need to obtain judgment in a timely fashion, our dedicated staff ensures that cases proceed as expeditiously as possible. Once the foreclosure is complete, we also provide services to recover possession of client-owned properties, to establish and collect on deficiency judgments, and to represent the client as seller of repossessed property. Additionally, we have the expertise to address environmental concerns that commonly arise in the foreclosure and sale of residential and commercial real estate.

  • Bankruptcy: We also have extensive experience in representing mortgagees in bankruptcy proceedings that commonly arise out of foreclosure actions. The Firm's experienced bankruptcy attorneys and immediate response to a bankruptcy filing safeguards that our clients interests are protected throughout the bankruptcy process.

  • Alternatives to Foreclosure: The Firm has extensive experience in working with clients and the borrower(s) to informally resolve a loan default without the need for foreclosure proceedings. In instances where a foreclosure is resolved before suit is instituted or completed, we are well equipped to prepare loan modification documents, forbearance agreements, deeds-in-lieu of foreclosure, satisfaction pieces, and any other documents tailored to meet the requirements of the agreement entered into between the client and borrower(s).

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    Retail Collection Practice

    The Firm offers a variety of Collection services that have been designed to produce superior net dollar recoveries for our clients, while keeping in mind the ethical standards of our clients= business. In order to maximize recovery and minimize costs, Mattleman, Weinroth & Miller employs both litigation and non-litigation collection methods to collect on secured and unsecured accounts. By aggressively pursuing all avenues of recovery, Mattleman, Weinroth & Miller can successfully collect on various types of unsecured debt. Once a collection referral is received, the Firm quickly begins the collection procedure by taking the following measures.

  • We immediately prepare a demand letter to the debtor. An appropriately worded demand letter with a follow-up call may result in a payment arrangement in the form of a consent agreement and/or stipulation in lieu of judgment.

  • If the customer does not respond to the demand letter, the Firm then employs the litigation approach to continue with collection efforts. Specifically, if the debtor fails to respond to a demand letter the firm files a Summons and Complaint and aggressively prosecutes the case until judgment is entered in favor of our client.

    • Following the entry of a judgment, the Firm then moves quickly to collect on the judgment.

  • In New Jersey and Delaware, the Firm immediately proceeds to a wage execution.

  • In New Jersey, the Firm also executes a levy on the debtor=s bank account in order to satisfy the judgment.

  • In Pennsylvania, once judgment is entered, the Firm pursues collection on the judgment by way of communications with the Debtor.

    • If, after obtaining a judgment, the credit report provides no wage information and it is not possible to set up a payment arrangement, the account is diaried to research the credit bureau at one-year intervals to determine if new wage information is available.

    Real Estate Law
    Family Law
    Criminal
    Municipal Court
    Civil Litigation
    Personal Injury
    Consumer Rights
    Estates/Wills
    Healthcare Recovery Services
    Environmental Law
    Corporate Litigation
    Workers Compensation