Understanding New York’s 90-Day Foreclosure Notice (RPAPL 1304)
What New York’s RPAPL 1304 90-day notice is, what it starts, and the steps a homeowner can take during and after it.
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/ Petroff Amshen LLP
Consumer Rights Publications
Plain-English guidance on foreclosure defense, the Fair Credit Reporting Act, and identity theft for New York consumers.
Identity Theft and Military Families: A Protection Checklist
Why active-duty families are targeted for identity theft, and the free steps, active-duty alerts and credit freezes, that close the door early.
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How to Read Your Credit Report Line by Line (and Fix Errors That Cost You)
A plain-English guide to reading your credit report, the common errors that cost you, and what the law allows when a dispute goes nowhere.
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What Is the FCRA? Your Credit Reporting Rights in New York
The Fair Credit Reporting Act gives New York consumers the right to dispute credit report errors and pursue legal remedies. What the FCRA covers, explained.
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Types of Identity Theft: Warning Signs and Your Legal Options in New York
The types of identity theft, the warning signs, and your legal options in New York under the Fair Credit Reporting Act.
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Fighting Foreclosure in New York: Your Legal Rights and Defenses
New York is a judicial foreclosure state, so homeowners can raise legal defenses in court. The process, the RPAPL notices, and the defenses, explained.
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Credit Score Myths and Your Rights Under the FCRA
Five common credit score myths corrected, plus what the FCRA actually lets you dispute in New York and when a credit error becomes a legal matter.
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What Foreclosure Does to Your Credit Score in New York
What foreclosure does to a credit report in New York, how long it lasts, what the FCRA lets you dispute, and how foreclosure defense and credit reporting differ.
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Attempted Identity Theft in New York: What to Do Next
A blocked identity theft attempt is still a warning. What attempted identity theft is, what to do next in New York, and when to get legal help.
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Loan, Lease, and Auto Loan Identity Theft in New York
Loan, lease, and auto loan identity theft in New York: what it is, why it goes unnoticed, its effect on your credit report, and your legal options.
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FCRA Legal Action vs. Credit Repair Services
Credit repair services and FCRA legal action are not the same. What each can do, how they are regulated, and what to do when a dispute has not worked.
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Wrongful Credit Inquiries and Your Rights Under the FCRA
Can credit inquiries affect your score? Hard vs soft inquiries, wrongful reporting, and your rights under the FCRA in New York, explained.
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How to Respond to Identity Theft on Your Credit Report
How to respond to identity theft on a credit report in New York: review, dispute under the FCRA, file an FTC report, and when legal action applies.
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What to Do After Identity Theft: Legal Steps for New Yorkers
The steps to take after identity theft in New York: check credit reports, freeze credit, report to the FTC, and when the FCRA gives a legal remedy.
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What Does FAPA Stand For? The NY Foreclosure Abuse Prevention Act
FAPA stands for the Foreclosure Abuse Prevention Act. What the 2022 New York law changed about the foreclosure statute of limitations, explained.
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