Mel Spivak, Esq.

Mel Spivak, Esq. - Areas of Practice

Areas of law typically handled 
Foreclosure Defense
Mel Spivak is noted for Foreclosure Defense.  He was featured in June 2008 by MSNBC.com in a featured article and "audio" slideshow.

If your home is in foreclosure, it can be "rescued" from foreclosure with a Chapter 13 Bankruptcy, which requires a "Plan" in which you will repay your missed payments, your arrears.  Call for an appointment to discuss this.


Chapter 7 and Chapter 13
Bankruptcy is a legal proceeding in which a person who cannot pay his or her bills can get a fresh financial start.  Financial problems can be deeply disturbing and very stressful.  Mel Spivak provides a comfortable environment to candidly discuss your financial problems.  Based on your specific circumstances, Mel Spivak will determine whether or not bankruptcy will "work" for you. 

Mortgage Modification - 

"Loan Modification Companies" are often scams, preying on families and individuals facing difficult financial situations.  In early April 2009, US Treasury Secretary Timothy Geitner made news by trying to crack down on these predatory scammers.

Even honest Mortgage Modification Companies have no "special leverage" to get your mortgage company to seriously consider a mortgage modification for you.  They may get no further than you can get on your own.  As such, it is often a waste of time and money causing your financial situation to deteriorate further while you wait and hope.


There are legal options that I can provide you that would get your mortgage company to seriously consider a mortgage modification for you relatively quickly.  


You have heard it on the radio.  You have seen it on TV. What do they mean when they say:

  • Debt relief
  • Debt consolidation,
  • Credit card consolidation
  • Debt relief solutions
  • Become Debt Free
  • Reduce your debt
  • take control of your debt
  • debt management
Find out the facts that they are not telling you, that you need to know. Call for a free consultation from a lawyer with over 30 years experience in such matters serving the Hudson Valley

Residential Real Estate Transactions

Buying or Selling a Home
Whether you are buying or selling real estate, Mel Spivak can patiently guide you from start to finish with advice, communication with other attorneys and realtors, preparation of contracts, personal attention to overcome obstacles that often accompany real estate transactions and finally the closing of title, when you will proudly own your new home or have successfully sold your home. 
Commercial Real Estate Transactions

Vehicle and Traffic Offenses

Being accused of speeding or reckless driving while visiting New York's Hudson Valley can impact your drivers license and insurance in your home state since New York has reciprocity with most other states when it comes to traffic violations.  As an experienced traffic violations attorney, I can represent you in court, or negotiate a lesser charge and help you protect your license.  If you get a speeding ticket or traffic ticket for any moving violation, call me to discuss it.

Eviction Proceedings

When the rent stops coming, time becomes the landlord's enemy and the tenant's friend. Time is money and the longer the tenant can remain rent free, the more money the landlord loses.  Mel Spivak can take care of your eviction proceeding from beginning to end with timely preparation of the paperwork, arranging for process service, filing paperwork in court, court appearances and coordinating with the Sheriff for eventual removal of the tenant from the premises.

Estate Matters


Wills


Probate of Estate


Foreclosure Surplus Recovery Proceedings

If circumstances did not permit you to pay your mortgage, even though your mortgage was small and your home was worth much more than you owed on it, Mel Spivak may be able to help you recover your equity, despite the foreclosure regardless of where your home was located in New York State.