Frequently Asked Questions – Legal Basics, Clearly Explained

If you receive a foreclosure summons and complaint in New York, you typically have 20 calendar days to respond if served in person, or 30 days if served by another method. Missing the deadline can lead to a default judgment, which allows the case to move forward without your response being considered. The Silk Cooper Law Firm can help you act quickly, file an appropriate response, and understand what steps come next based on where the case is in the process.

Filing for bankruptcy generally triggers the automatic stay, which can pause many collection actions, including foreclosure activity, depending on the circumstances. Chapter 13 is often used when someone needs time to address arrears through a plan, while Chapter 7 may fit cases focused on eliminating unsecured debt. The right answer depends on timing, income, property, and goals, so we review the situation before recommending a chapter.

Most cases begin with information-gathering, required filings, and early decisions that affect schedules, finances, and communication. Court tools and procedures can feel burdensome, and conflict can drive costs quickly. We help clients focus on what the court is likely to prioritize, organize documentation, and avoid spending money on arguments that do not meaningfully change the outcome.

Yes, but only select criminal matters, primarily DWI/DUI, drug court-related cases, and domestic violence defense. For extremely serious charges such as robbery, we may refer you to a specialist. If you’re facing charges in New City or Rockland County, we explain the process, what the evidence will likely center on, and what decisions should be made early.

Some situations overlap. Financial pressure can affect family decisions, and housing issues can change what is realistic in negotiations. When the same firm is tracking the moving parts, it can be easier to keep documents, deadlines, and strategy aligned. We still focus on the immediate issue first, then flag related risks so you can plan with fewer surprises.

We aim for straightforward fee discussions. Typical retainers often start at $3,500, with hourly rates at $400. Total cost depends on the work required and the level of conflict or complexity. We discuss expected steps and likely cost drivers upfront so you can make an informed decision before moving forward.

Many steps can be handled remotely, including consultations by phone or video and document sharing online, especially for bankruptcy and foreclosure matters. Some situations still require in-person appearances, depending on the court and the type of case. We’ll explain what can be done remotely and what may require a court date.