Why a “Free Consultation” is never really Free. Honest New York Bankruptcy Lawyer, Lawyer Scams, Credit Card Relief, Debt Consolidation Lawyer.
Hi, I’m Neil Colmenares. I’ve been asked many times, with the exception of personal injury, why there is a small fee for a consultation with this office. The answer is simple. I’m an honest attorney. Let me explain.
It is true that some attorneys give “free” initial consultations. But remember the old adage, nothing in this world is truly free.
Generally speaking, a legal consultation when done correctly takes close to an hour of attorney time. If an attorney spends an hour with you and did not charge you a fee, chances are they are going to look for ways to make money off of you. If not, they have just wasted an hour of their time.
Typical scams include luring you in with a “free” consultation whereby the lawyer (or in most cases the secretary) after asking you a few quick questions, gives you a minimum down payment of normally $500 to come in with before they can start work on your case. After you come in with the deposit, then and only then are you actually given a real consultation. In most cases, the attorney then notifies you that either they cannot help you and they end up charging you a inflated hourly rate for the work they allegedly did or even worse, try to sell you on services that you either do not need or know will not work so that can make more money off of you.
In situations like these, are you sure you’re receiving honest advice? Was that consultation truly “free”?
At this office, since were compensated for our consultations, you will have no doubts that you have received honest, valuable and unbiased advice.
One more thing to keep in mind, in close to half of all of our consultations, we’ve been able to give our clients advice and specific information on how to resolve their problems on their own without the need of a lawyer. This all leads back to my promise to my clients to put their interests ahead of my own.

If you would like to schedule a consultation, we’ve made it simple. You can use the “Quick Contact Form” on this website where you can briefly describe your case. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone. Thank you.
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Stop Foreclosure Save your home loan modification help, avoid Short Sales Relief, Best Mortgage Foreclosure Lawyer video
Hi, I’m Neil Colmenares. I represent homeowners in mortgage foreclosures. Although I have been in private practice for nearly a decade, I used to represent large banks in the foreclosure process. As a result, I have experience on both sides of the foreclosure fence. I urge you to take advantage of this unique knowledge and experience that I have acquired over the years.
-If you’re in foreclosure or are threatened with foreclosure, you have options.
-First, if the bank has not commenced foreclosure proceedings, you can apply for modification, forbearance, short sale or deed in lieu of foreclosure. Please see the accompanying page on this website for a definition of these terms. Sometimes negotiating with the bank before the foreclosure process can work to your advantage. Unfortunately, this is not always an option.
-If the bank has already commenced the foreclosure, it is imperative that you retain this office to file an “Answer” with the court. By Answering, we may be able to settle the lawsuit on terms that are favorable to you that the bank would not have agreed to but for filing an Answer. For example, in New York State, there is a mandatory “Settlement Conference” that is required in every foreclosure action. This Settlement Conference as well as the discovery phase of the foreclosure is an ideal time to remind the bank that over the past several years during the real estate boom that many lending institutions have engaged in unethical behavior by violating various consumer protection laws such as the truth in lending act, the real estate settlement procedures act, the fair debt collections practices act and the Home Ownership Equity Protection Act, just to name a few. Some banks realizing that they violated these consumer protections that we have raised as a defense, are likely to renegotiate the mortgage rather than have the court invalidate the mortgage altogether.
-Unfortunately, in some situations, such as answering the foreclosure just before the sale date, is equivalent to putting a band-aid on a gun shot wound. At this point, other options may exist to help you keep your home such a Chapter 7 or Chapter 13 Bankruptcy. Please see the accompanying pages on this website for more information on Bankruptcy.
-I strongly suggest calling this office to discuss your legal options. The sooner you call, the more likely you will be able to defeat the mortgage foreclosure process and keep your home.
-If you would like to schedule a consultation, we’ve made it simple. You can use the “Quick Contact Form” on this website where you can briefly describe your case. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone. Thank you.
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Hi, I’m Attorney Neil Colmenares. Welcome to the website for The Law Office of Neil E. Colmenares, a Professional Corporation.
On each page of this website, you’ll find information on the areas of law that interest you. You can also find information about me, Attorney Neil Colmenares, my experience, my education and my legal activities.
It is important to know that I treat every client the same way I would treat a member of my own family—with honest and straightforward advice whose interest I always place above my own. My goal is that every client feel that they have found the best attorney who cares about them. It’s no wonder that most of our clients come from referrals from other satisfied clients.
This office is available exclusively via our brand new state of the art internet office. The days of taking off from work and spending it at your lawyers office are over. This office is never more than a phone call or video conference away. Moreover, we provide after hours consultations to accommodate your schedule. You can be assured we are up to date on the latest developments in the law and that this office uses the latest technology including electronic mail, electronic filing of court documents, electronic storage of documents and video conferencing to better serve your needs.
At The Law Office of Neil E. Colmenares, P.C., we practice in only a few areas of the law to make sure we are, in my opinion, the best at what we do. Remember, a jack of all trades is a master of none. Please know that if your legal needs fall outside of our areas of expertise, we will make every effort to refer you to an honest, diligent attorney who can help you.
This website contains a wealth of information. I encourage you to book mark this site for future reference.
If you would like to schedule a consultation, we’ve made it simple. You can use the “Quick Contact Form” on this website where you can briefly describe your case. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone.
Thank you for visiting The Law Office of Neil E. Colmenares, P.C. I hope you found this information useful.
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Ron and Zach discuss the process of foreclosure, pros and cons of foreclosure, and alternatives to foreclosure.

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Bankruptcy Attorney Charles Scupp explains why it is important to hire an experienced attorney to guide you through a bankruptcy. The Law Offices of Scupp & Berman handles all bankruptcy matters including Chapter 7 and 13 bankruptcy filings, creditor abuse, car repossession, home foreclosure and more in all parts of Nassau and Suffolk Counties in Long Island, New York. You can contact Mr. Scupp at www. newyorkbankruptcylawfirm.com or 516-683-1990.

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Bankruptcy Attorney Charles Scupp discusses the differences between a Chapter 7 and Chapter 13 Bankruptcy. The Law Offices of Scupp & Berman handles all bankruptcy matters including Chapter 7 and 13 bankruptcy filings, creditor abuse, car repossession, home foreclosure and more in all parts of Nassau and Suffolk Counties in Long Island, New York. You can contact Mr. Scupp at www. newyorkbankruptcylawfirm.com or 516-683-1990.

Duration : 0:1:24

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Bankruptcy Attorney Charles Scupp speaks about the background and experience of the attorneys at the Law Offices of Scupp & Berman. The Law Offices of Scupp & Berman handles all bankruptcy matters including Chapter 7 and 13 bankruptcy filings, creditor abuse, car repossession, home foreclosure and more in all parts of Nassau and Suffolk Counties in Long Island, New York. You can contact Mr. Scupp at www. newyorkbankruptcylawfirm.com or 516-683-1990.

Duration : 0:1:40

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Bankruptcy Attorney Charles Scupp can go over your financial situation with you to determine whether or not bankruptcy is the right thing to do for you. The Law Offices of Scupp & Berman handles all bankruptcy matters including Chapter 7 and 13 bankruptcy filings, creditor abuse, car repossession, home foreclosure and more in all parts of Nassau and Suffolk Counties in Long Island, New York. You can contact Mr. Scupp at www. newyorkbankruptcylawfirm.com or 516-683-1990.

Duration : 0:1:46

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Bankruptcy Attorney Charles Scupp speaks about the security of your home if you file for bankruptcy. The Law Offices of Scupp & Berman handles all bankruptcy matters including Chapter 7 and 13 bankruptcy filings, creditor abuse, car repossession, home foreclosure and more in all parts of Nassau and Suffolk Counties in Long Island, New York. You can contact Mr. Scupp at www. newyorkbankruptcylawfirm.com or 516-683-1990.

Duration : 0:1:42

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Bankruptcy Attorney Charles Scupp speaks about one’s future after filing for bankruptcy. The Law Offices of Scupp & Berman handles all bankruptcy matters including Chapter 7 and 13 bankruptcy filings, creditor abuse, car repossession, home foreclosure and more in all parts of Nassau and Suffolk Counties in Long Island, New York. You can contact Mr. Scupp at www. newyorkbankruptcylawfirm.com or 516-683-1990.

Duration : 0:1:36

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