Legal Services NYC | 40 Worth Street, Suite 606, New York | legalservicesnyc.org
紐約市法律服務 | 40 Worth Street, Suite 606, New York | legalservicesnyc.org
PROTECT YOUR HOME FROM FORECLOSURE
This fact sheet explains how to fight a foreclosure case, file a foreclosure answer, and the settlement conference process.
保護您的住宅遠離取消抵押品贖回權的威脅
本資料說明如何面對取消抵押品贖回權案件、提出取消抵押品贖回權答辯，以及和解會議程序。
HOW DO I FILE AN ANSWER?
The best way to serve and file an answer is to seek free legal assistance.
我要如何提出答辯？
提出答辯的最佳方式是尋求免費法律援助。
Even if a legal services provider is unable to take on your case for all purposes, they may be able to help you prepare an answer. Call the number below: 917-661-4500.
即使法律服務提供者基於任何原因無法承接您的案件，他們也許可以協助您準備答辯。請撥打以下的電話：917-661-4500。
WHAT HAPPENS IF I DON’T ANSWER?
When you are sued in a foreclosure case, you only have a certain amount of time to tell the court and the bank that you have defenses to fight the foreclosure.
如果我未提出答辯，會發生什麼？
當您成為取消抵押品贖回權案件被告時，您僅有一定的時間告知法院和銀行，您將針對取消抵押品贖回權進行抗辯。
If you don’t respond in writing, the bank can win the case without opposition. The writing is called an ANSWER. You must both serve AND file an answer.
如果您未以書面回應，銀行可以在無異議的情況下勝訴。該書面回應稱為答辯。您必須提出並遞交答辯。
If you don’t answer the foreclosure complaint, the court will not be able to consider any defenses you might have. Defenses are legal theories or grounds for defeating the claims made against you.
如果您未針對取消抵押品贖回權的起訴提出答辯，法院將無法考慮您可能提出的任何抗辯。抗辯是根據法律或事實，針對放款人起訴案件對您的主張，提出反駁的法律基礎或論據。
For example, if the bank says that you stopped paying your mortgage in January 2019, but you have proof that you paid your mortgage though January 2020, then that might be a defense.
例如，如果銀行表示您在 2019 年 1 月停止償還抵押貸款，但您能夠證明您在 2020 年 1 月償還了抵押貸款，那麼這可能是一種抗辯。
YOU HAVE TWO OPPORTUNITIES TO ANSWER:
1. You must answer within 20 days of getting the foreclosure papers if you were given the papers in person.
2. You must answer within 30 days of getting the foreclosure papers if they were mailed to you.
您有兩個機會提出答辯：
1. 在您親自收到消抵押品贖回權書狀的情況下，您必須在收到取書狀後 20 天內提出答辯。
2. 在消抵押品贖回權書狀郵寄給您的情況下，您必須在收到取書狀後 30 天內提出答辯。
You have a second chance to answer within 30 days from your first settlement conference.
首次和解會議前 30 天內您有第二次答辯的機會。
WHAT IS A SETTLEMEMT CONFERENCE?
A settlement conference is a meeting in the courthouse between you and the attorney for the party that is suing you in foreclosure.
什麼是和解會議？
和解會議是在法院舉行的會議，與會者為您和相對方律師，其代表在取消抵押品贖回權案件中控告您的一方。
A referee oversees the meeting. The purpose is to see if you can settle the case in some way. Usually, a settlement will involve some type of loan modification or a one-time payment.
裁判人負責監督會議。會議的目的是看看您能否能以某種方式解決案件。在一般情況下，和解將涉及某種類型的貸款修改或一次性支付。
If you don't show up for a scheduled settlement conference, the foreclosure case can move more quickly, and you are at more risk of losing your home. It is important to attend your first settlement conference.
如果您沒有出席預定的和解會議，取消抵押品贖回權案件可能更快會進入下個階段，而您的失去住宅的風險更大。出席首次和解會議非常重要。
CALL US FOR HELP! Legal Services NYC assists homeowners with answers, legal representation, and other services.
* The information is this factsheet does not constitute legal advice.
致電我們尋求協助！紐約市法律服務 (Legal Services NYC) 答覆屋主的問題、提供法律代表和其他服務。
* 本資料單張內的資料並不構成法律意見。