Joseph House, Central Islip

Sophia Hall/WCBS 880

Central Islip Couple No Longer Has Mortgage After Successfully Fighting Foreclosure

April 03, 2018 - 4:18 pm

CENTRAL ISLIP, N.Y. (WCBS 880) -- A Long Island veteran and his wife fought foreclosure and won – they no longer have a mortgage on their house.

As WCBS 880’s Sophia Hall reported Tuesday, Barbara and Christopher Joseph said for 12 years, they tried to work with the bank – and even sent payments that were rejected – all in the hopes of saving the Central Islip house that they have called home from foreclosure.

Now, thanks to their attorney, Ivan Young, they get to keep their house – free and clear of any mortgage.

“It’s a relief. It’s a relief,” Christopher Joseph said. “I don’t have that stress on me.”

Christopher Joseph said it all began after he was injured in Iraq, and he had to have a number of surgeries after coming back to the U.S. Afterward, he lost his job.

Christopher Joseph
Sophia Hall/WCBS 880

The mortgage payment went from $1,800 a month to $4,500 because they had an adjustable rate mortgage. But then after fighting for so many years, an appellate division of the state Supreme Court ruled the bank missed the state’s six-year deadline to file a foreclosure lawsuit.

Now, the couple can keep their home.

“Never give up until they’re throwing dirt on you,” Christopher Joseph said. “Don’t stop.”

The bank, Wells Fargo, said in a statement, “We respect the court’s decision and are still considering whether or not to undertake further appeal.”