Our research services

• Every record, found and sourced. Court filings and recorded documents on your property, each with where it came from.
• Connected. Who held your loan and when, each transfer and assignment, and which filing answers which, so the history reads as one story.
• A timeline. Every filing and every date in order, with the deadlines they set.
• The numbers. Amounts and dates on your record, and how often the same filings, parties and issues show up in cases like yours.
• Homes like yours. The public records of homes with similar filings, set beside your own.
• Kept current. Alerts when the public record for your property changes.

Homeowners have rights in a foreclosure. Most of them are written down in public law, and hardly anyone is ever shown where.

So that is what we do. We use public research data to illustrate the rights homeowners have. The sources are open to everyone: the text of the statutes, the court rules, published court decisions, county land records, and court dockets.

Here is what those public sources say, in general terms:

• Where a foreclosure goes through a court, a homeowner has a set number of days to respond after being served, and the clock starts on a date that is written down.
• In a court foreclosure, a judge decides the outcome, and the case moves on a schedule the court sets.
• State law generally sets a point in the process up to which a homeowner may bring the loan current.
• A homeowner may contact their lender or servicer directly, at any time, and needs no one’s permission to do it.
• New York generally requires a 90-day notice to the homeowner before a foreclosure case on a home loan can be started (RPAPL 1304), and generally requires a settlement conference in owner-occupied home loan cases (CPLR 3408).

We hand you your record and the published sources behind it, so you and your attorney can read them together. It is the difference between walking into a lawyer’s office with questions and walking in with nothing.

A quiet title matter turns on who holds what interest in a property, and what the recorded documents show.

We pull the instruments recorded at the county (the mortgage, the assignments, the transfers) and set out the owners and recorded interests in date order, so the whole picture is in one place. When an attorney brings a quiet title action, this is the research it stands on.

When you need a licensed attorney, we help you find one and hand your document to the attorney you choose, so your first meeting starts with the whole file.

The attorneys are independent. Each runs their own practice, sets their own fees and answers to you. You are free to hire any attorney you want, including one we never mentioned.