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The Home Equity Theft Prevention Act was signed into law in New York State on July 26, 2006, and became effective on February 1, 2007, according to the New York Bar Association. HETPA includes clear regulations about home sales to private buyers from a distressed homeowner.
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The foreclosure process, whether residential or commercial, involves a complex set of steps and rules that vary state by state. Where a power of sale clause sets out a procedure for the foreclosure, that procedure will be followed unless it doesn’t comply with the minimum state law requirements.