Fine Law Offices

Fine Law Offices is a law firm at 1 John Street, Suite 204 in Babylon, New York, that represents borrowers in foreclosure and negotiates loan modifications. Most of the work described on its site is residential: Long Island homeowners, many in Nassau County, whose lender has denied assistance. It also lists commercial loan modification and mortgage modification among its services.

The firm says it takes two routes depending on the case. It reviews the mortgage documents for federal or state law violations that could get proceedings cancelled, or it pursues a modification to reduce payments; it describes its practice as combining foreclosure offense and defense rather than one or the other. It has represented both banks and homeowners, offers a free initial consultation and flexible payment options, and says it will tell a prospective client openly when it does not think it can help.

The practice has been in operation since 1977 and serves clients in Babylon, New York, New Jersey and Connecticut. It reports an A+ grade from the Better Business Bureau and more than 100 five-star reviews.

Two different modification counts appear on the site: over 5,000 in one place and over 7,000 involving $34 million in another. Treat the track record as approximate and ask directly. Fees are not published; the firm says it works within a client's budget and offers flexible payment options.