- Call for a Free Consultation, Near You. Hablamos Espanol
- Call for a Free Consultation, Near You. Hablamos Espanol
-
SUFFOLK
(631)-271-3737,
QUEENS 
(718)-751-0226
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NASSAU
(516)-307-0262,
BROOKLYN 
(347)-508-9316,
BOHEMIA 
(631)-223-4502
- Exceptional Legal Representation Throughout
- Long Island and New York, Since 1993.
-
SUFFOLK (631)-271-3737,
QUEENS (718)-751-0226
-
NASSAU (516)-307-0262,
BROOKLYN (347)-508-9316,
BOHEMIA (631)-223-4502
- Exceptional Legal Representation Throughout Long Island and New York, Since 1993.
Foreclosure Attorney in East New York
Stop Foreclosure Before It's Too Late
Hear from Our Customers
East New York Foreclosure Defense
You’re not just fighting to keep a roof over your head. You’re protecting your family’s stability, your children’s school district, and years of memories built in East New York.
When foreclosure threatens, you have more options than you realize. New York’s judicial foreclosure process takes an average of 445 days from start to finish—that’s over a year to find the right solution. We use every day of that timeline strategically.
Our clients regularly stop foreclosure proceedings through Chapter 13 bankruptcy, negotiate loan modifications that reduce monthly payments, and challenge improper foreclosure procedures. The key is acting before that final auction date, not after.
East New York Bankruptcy Attorney
We have been serving Long Island and New York City homeowners for years, with a deep understanding of how foreclosure hits East New York families differently than other areas.
East New York has one of the highest foreclosure rates in Brooklyn, with over 1,000 cases filed in recent years. We know the local courts, the settlement conference procedures, and exactly how to navigate Kings County’s foreclosure process.
We handle the full spectrum—Chapter 7 and 13 bankruptcy, foreclosure defense, and loan modifications. We maintain offices throughout the region because we believe in being accessible when you need us most.
Foreclosure Defense Process East New York
First, we review your foreclosure notice and mortgage documents to identify any procedural violations or defenses. Many foreclosure cases have technical errors that can delay or stop the process entirely.
Next, we evaluate whether bankruptcy makes sense for your situation. Chapter 13 can immediately halt foreclosure proceedings while creating a payment plan for your mortgage arrears. Chapter 7 might eliminate other debts, freeing up money for your mortgage.
We also explore loan modification options during New York’s mandatory settlement conferences. These court-supervised meetings often result in reduced payments, extended terms, or principal reductions that make your mortgage affordable again.
Throughout the process, we use New York’s extended timeline strategically. While other states rush through foreclosures in months, New York gives us over a year to find the right solution for your family.
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East New York Mortgage Help
Our foreclosure defense services are designed specifically for East New York homeowners facing the unique challenges of Brooklyn’s housing market.
We handle every aspect of your case: filing answers to foreclosure complaints, representing you at settlement conferences, negotiating with your lender’s attorneys, and exploring bankruptcy options when appropriate. You’ll never face the court system alone.
East New York homeowners often benefit from Chapter 13 bankruptcy because it allows you to catch up on missed payments over three to five years while stopping the foreclosure immediately. We also see success with loan modifications, especially for families whose income has stabilized after a temporary hardship.
Our approach recognizes that East New York families often have limited resources but significant equity in their homes. We focus on solutions that preserve that equity while creating sustainable payment plans you can actually afford.
How long does the foreclosure process take in East New York?
New York has the longest foreclosure timeline in the United States, averaging 445 days from the first missed payment to the actual sale. This extended timeline works in your favor.
The process starts with a 90-day pre-foreclosure notice, followed by the filing of a lawsuit, mandatory settlement conferences, and potential trial proceedings. Each step provides opportunities to stop or delay the foreclosure.
In East New York, we often see cases take even longer due to court backlogs and the complexity of many homeowners’ financial situations. This gives us substantial time to explore every possible solution, from loan modifications to bankruptcy protection.
Can bankruptcy stop my East New York foreclosure immediately?
Yes, filing for bankruptcy creates an automatic stay that immediately halts all foreclosure proceedings, including scheduled auction sales. This protection begins the moment your bankruptcy petition is filed with the court.
Chapter 13 bankruptcy is particularly effective for foreclosure defense because it allows you to catch up on missed mortgage payments over three to five years while keeping your home. Chapter 7 can eliminate other debts, freeing up money for your mortgage payments.
The automatic stay gives you breathing room to reorganize your finances and negotiate with your lender from a position of strength rather than desperation. Many East New York homeowners use this time to secure loan modifications or refinancing that wouldn’t have been possible during active foreclosure proceedings.
What are my rights during New York's foreclosure process?
New York law provides strong protections for homeowners that many people don’t know about. You have the right to receive proper notice, participate in mandatory settlement conferences, and challenge any procedural violations.
You can reinstate your loan at any time before the foreclosure sale by paying the full amount owed, including fees and costs. If you appear at settlement conferences without an attorney, the court must consider appointing one to represent you.
New York also requires lenders to participate in good faith negotiations during settlement conferences. If they fail to do so, the court can impose sanctions or dismiss the foreclosure case entirely. These protections are designed to give homeowners real opportunities to save their homes.
How much does foreclosure defense cost in East New York?
Our foreclosure defense services are structured to be affordable for East New York families facing financial hardship. We offer free consultations to evaluate your case and explain all available options.
Many foreclosure defense strategies, particularly Chapter 13 bankruptcy, allow you to pay attorney fees over time through your repayment plan rather than requiring large upfront payments. This makes quality legal representation accessible when you need it most.
The cost of legal representation is typically far less than losing your home to foreclosure. When you consider the equity you’ll preserve and the time you’ll gain to stabilize your finances, professional foreclosure defense pays for itself many times over.
What happens at a foreclosure settlement conference in East New York?
Settlement conferences are mandatory court proceedings where you, your attorney, and the lender’s representatives meet with a court-appointed referee to explore alternatives to foreclosure. These conferences often result in loan modifications or other agreements that allow you to keep your home.
The referee will review your financial situation, your mortgage history, and potential modification options. Lenders are required to participate in good faith and must bring decision-makers who can actually approve modifications on the spot.
We prepare extensively for these conferences, gathering all necessary financial documentation and developing a clear strategy for negotiations. Many of our East New York clients successfully modify their loans during these proceedings, reducing their monthly payments to affordable levels and stopping the foreclosure permanently.
Can I stay in my East New York home during foreclosure proceedings?
Yes, you have the right to remain in your home throughout the entire foreclosure process until the property is actually sold at auction and title is transferred to the new owner. This can take well over a year in New York.
Even after a foreclosure judgment is entered, you continue to have occupancy rights until the actual sale occurs. The new owner must follow proper legal procedures to remove you from the property, which provides additional time and protection.
This extended occupancy period is valuable because it allows you to continue working on solutions while maintaining housing stability for your family. Many homeowners use this time to improve their financial situation, negotiate modifications, or explore bankruptcy options that can stop the foreclosure entirely.
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Other Services we provide in East New York