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Abby Tolchinsky and Ellie Wertheim, partners at Family Mediation, write that New York's Foreclosure Prevention and Responsible Lending Act, while clearly intended to help homeowners remain in their homes, is, nevertheless, limited in scope. Most glaringly, it does not take into account the effect of increased unemployment or underemployment on a family's ability to meet once affordable mortgage payments. Indeed, while the Legislature set a noble goal (to wit, protecting those who signed a predatory loan on the dotted line), the legislation is more notable with today's hindsight for what is not addressed.
May 08, 2009 at 12:00 AM
1 minute read
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