- 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
-
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 Manhattan, NY
Stop Foreclosure, Save Your Home
Hear from Our Customers
Manhattan Foreclosure Defense Lawyer
You’re not powerless when facing foreclosure. With the right legal strategy, you can challenge the lender’s case, negotiate better terms, or stop the process entirely.
Manhattan foreclosure cases hit a nearly 10-year high in 2025, but that doesn’t mean you’re out of options. Every foreclosure case is different, and many have defenses that can lead to dismissal or favorable settlements.
When you work with an experienced foreclosure attorney, you get someone who knows exactly how to navigate New York’s complex 15-month foreclosure process. You get strategic defense that protects your rights and explores every possible path to keeping your home.
Manhattan Mortgage Foreclosure Attorney
We’ve been defending Manhattan homeowners since 1993. We’re not a general practice law firm trying to handle everything—we focus specifically on foreclosure defense, bankruptcy, and debt solutions.
Our team includes over 30 legal professionals who understand Manhattan’s unique real estate market. We’ve seen every type of foreclosure case, from co-op and condo disputes to complex mortgage documentation problems.
Manhattan homeowners trust us because we combine deep legal experience with practical solutions. We’ve successfully defended foreclosure cases that other attorneys said were hopeless, and we’ve helped clients secure loan modifications that made their payments affordable again.
Foreclosure Lawyer Manhattan Process
First, we analyze your entire case during a free consultation. We review your mortgage documents, foreclosure papers, and payment history to identify potential defenses and opportunities.
Next, we file your legal response within the required timeframe—you only have 20 to 30 days to respond to foreclosure papers in New York. We handle all court filings, including answers, counterclaims, and motions to dismiss based on your specific situation.
Then we attend all mandatory settlement conferences and court appearances on your behalf. We negotiate directly with your lender’s attorneys for loan modifications, payment plans, or other alternatives to foreclosure. Throughout the process, we keep you informed and explore every legal avenue to protect your home.
Ready to get started?
Real Estate Foreclosure Lawyer Manhattan
Manhattan foreclosure defense requires understanding both state foreclosure law and local court procedures. We handle every aspect of your defense, from initial document review to final resolution.
Our services include challenging improper foreclosure procedures, negotiating loan modifications with major lenders, and filing emergency motions to stop foreclosure sales. We also coordinate with bankruptcy options when appropriate to give you maximum protection.
Manhattan’s foreclosure market is seeing unprecedented activity, with cases reaching levels not seen since 2016. This means lenders are moving more aggressively, but it also means there are more opportunities for defense strategies. We know which Manhattan courts handle foreclosure cases and how local judges typically rule on common defense motions.
How long does the foreclosure process take in Manhattan, NY?
The foreclosure process in New York typically takes about 15 months from your first missed payment to completion. However, Manhattan cases can take longer due to court schedules and the complexity of local real estate.
This extended timeline actually works in your favor. It gives you substantial time to work with a foreclosure attorney to develop defenses, negotiate with your lender, or explore alternatives like loan modification or bankruptcy protection.
The key is acting quickly once you receive foreclosure papers. You have only 20 days if served in person or 30 days if served by mail to file your legal response. Missing this deadline can result in a default judgment against you.
Can I stop a foreclosure that's already started in Manhattan?
Yes, you can often stop or delay a foreclosure even after it’s officially started. New York’s judicial foreclosure process provides multiple opportunities to challenge the case or negotiate alternatives.
Common strategies include filing legal defenses based on improper documentation, negotiating loan modifications during mandatory settlement conferences, or filing for bankruptcy protection to trigger an automatic stay that halts the foreclosure process.
Many Manhattan foreclosure cases have procedural errors or documentation problems that can lead to dismissal. Lenders often use standardized foreclosure mills that make mistakes in paperwork or fail to follow proper legal procedures. An experienced foreclosure attorney knows exactly what to look for.
What are my options if I can't afford my Manhattan mortgage payments?
You have several options beyond just letting foreclosure proceed. Loan modification is often the first strategy—this involves negotiating with your lender to reduce your interest rate, extend your loan term, or add missed payments to your loan balance.
Short sales and deeds in lieu of foreclosure are alternatives that allow you to transfer the property while minimizing damage to your credit. Chapter 13 bankruptcy can stop foreclosure and give you up to five years to catch up on missed payments through a court-approved repayment plan.
The important thing is exploring these options before you fall too far behind. Lenders are generally more willing to negotiate when you’re proactive about addressing payment difficulties rather than waiting until you’re months behind.
How much does a foreclosure attorney cost in Manhattan?
Foreclosure attorney fees vary depending on the complexity of your case and the services needed. We offer free initial consultations to review your situation and explain your options.
Some foreclosure cases can be handled with flat fee arrangements, while others may require hourly billing for extensive litigation. The cost of hiring an attorney is typically much less than losing your home to foreclosure.
Many clients find that the money they save through successful loan modifications or foreclosure dismissals far exceeds their attorney fees. Additionally, some legal strategies like Chapter 13 bankruptcy can actually reduce your monthly housing costs while protecting your home.
What documents should I bring to a foreclosure attorney consultation?
Bring all documents related to your mortgage and the foreclosure case. This includes your original mortgage and note, any loan modification documents, payment records, and all foreclosure papers you’ve received from the court or your lender.
Also bring recent income documentation like pay stubs or tax returns, and a summary of your current financial situation including other debts and monthly expenses. This helps your attorney understand your complete financial picture and evaluate all available options.
If you’ve received any correspondence from your lender about workout options or settlement conferences, bring those as well. The more complete information your attorney has, the better we can develop an effective defense strategy for your specific situation.
Are there foreclosure scams targeting Manhattan homeowners?
Unfortunately, yes. Foreclosure scams are common and often target homeowners who are desperate to save their homes. These scams typically promise to stop foreclosure for an upfront fee, then disappear with your money.
Common red flags include companies that guarantee they can stop foreclosure, demand large upfront payments, or ask you to sign documents transferring ownership of your home. Legitimate foreclosure attorneys will explain your options honestly and won’t make unrealistic promises.
Always verify that any attorney you’re considering is licensed to practice law in New York and has actual experience with foreclosure defense. Be wary of anyone who contacts you unsolicited or pressures you to act immediately without giving you time to review documents or get a second opinion.
Local Resources
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Other Services we provide in Manhattan