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You’re not just fighting to keep a house—you’re fighting to preserve your family’s foundation in a community you love. When foreclosure threatens your Marble Hill home, the right legal strategy can mean the difference between losing everything and getting back on track.
Our foreclosure defense immediately stops the sale process, giving you breathing room to negotiate with your lender. We’ve helped hundreds of families secure mortgage modifications that reduce monthly payments to affordable levels, often cutting payments by 30-50%.
The stress lifts when you realize you have options. You can stay in your home during the legal process, which in New York can take months or even years. That’s time to rebuild, renegotiate, and regain control of your financial future.
We have been serving families in Marble Hill and throughout New York City since 1993. We understand the unique challenges facing this diverse community, where 61% of residents speak Spanish as their primary language and homeownership represents generational wealth and stability.
Our founder, Ronald Weiss, graduated from NYU Law School and served as a law clerk to a federal bankruptcy judge. He’s admitted to practice in New York, Connecticut, and federal courts, bringing decades of experience to every case.
We know Marble Hill’s housing market intimately. With median home values around $525,000 and many families carrying significant mortgage debt, foreclosure doesn’t just threaten your home—it threatens your community’s fabric. That’s why we fight so hard for every client.
First, we file an immediate response to your foreclosure complaint, challenging the lender’s case and buying you crucial time. This stops any scheduled sale and forces the bank to prove they have the right to foreclose.
Next, we attend the mandatory settlement conference with you, where we negotiate directly with your lender’s representatives. Our presence changes the dynamic—banks take modification requests seriously when an experienced foreclosure attorney is involved.
Throughout this process, you remain in your home. New York’s foreclosure laws are debtor-friendly, and we use every available protection to keep you housed while we work toward a solution. Whether that’s a modification, Chapter 13 bankruptcy to catch up on payments, or negotiating a settlement, we guide you through each option with complete transparency about costs, timelines, and likely outcomes.
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Your foreclosure defense includes comprehensive legal representation from filing through resolution. We handle all court appearances, document preparation, and negotiations with your lender’s attorneys.
In Marble Hill’s tight-knit community, where 35% of residents own their homes, foreclosure affects more than just individual families—it impacts property values and neighborhood stability. We provide bilingual support for Spanish-speaking clients and understand the cultural importance of homeownership in Dominican and Puerto Rican families.
Our services extend beyond basic defense. We analyze your mortgage documents for violations of federal lending laws, review the chain of title for defects, and explore every possible defense strategy. Many foreclosure cases have technical problems that can lead to dismissal or favorable settlements.
For families earning the area’s median income of $72,952, we offer payment plans that make quality legal representation accessible. We also coordinate with bankruptcy options when needed, providing a complete safety net for your financial recovery.
We can typically stop a foreclosure sale within 24-48 hours of being retained, depending on how close the sale date is. New York law requires specific notice periods and procedures that lenders must follow exactly.
If your sale is scheduled within days, we immediately file emergency motions and contact the court to halt proceedings. Even if you’ve received a final judgment, there are often grounds to vacate or delay the sale while we challenge the foreclosure.
The key is acting quickly. Once we’re involved, the automatic protections of legal representation kick in, and lenders must deal with us directly rather than pressuring you for immediate payment or threatening imminent sale.
Your modification chances improve significantly with experienced legal representation. Lenders are much more likely to approve modifications when they’re negotiating with an attorney who understands foreclosure law and can present your case effectively.
In our experience, homeowners who can demonstrate financial hardship and show ability to make modified payments have success rates above 60%. The key factors are proving your hardship is genuine, showing stable income to support modified payments, and having an attorney who knows how to navigate the lender’s internal processes.
Marble Hill’s median household income of $72,952 often qualifies families for modification programs, especially when combined with documentation of job loss, medical expenses, or other hardships that caused the default.
Yes, you have the right to remain in your Marble Hill home throughout the entire foreclosure process, which in New York typically takes 12-18 months or longer. You cannot be removed until after a foreclosure sale is completed and a new owner takes title.
Even after sale, you may have additional time through post-sale procedures and potential appeals. New York’s foreclosure laws are designed to protect homeowners, and we use every available delay and protection to maximize your time in the property.
This extended timeline is actually an advantage—it gives us months to negotiate modifications, explore bankruptcy options, or find other solutions. Many families use this time to improve their financial situation and ultimately save their homes.
We offer free initial consultations to evaluate your case and explain all costs upfront. Our foreclosure defense fees are structured to be affordable for Marble Hill families, with payment plans available to spread costs over time.
Most foreclosure defense cases are handled on a flat fee basis, so you know exactly what you’ll pay regardless of how long the case takes. This is important because New York foreclosures can extend for many months, and hourly billing could become unpredictable and expensive.
We also coordinate with bankruptcy options when appropriate. Chapter 13 bankruptcy can actually help pay attorney fees over time while catching up mortgage arrears, making comprehensive debt relief more affordable for working families.
We handle all court appearances on your behalf, so you don’t need to take time off work or navigate the legal system alone. New York foreclosure cases involve multiple court dates, including settlement conferences, motion practice, and potentially trial.
At settlement conferences, we sit with you and negotiate directly with the lender’s representatives under court supervision. These conferences are designed to explore modification and other alternatives to foreclosure, and having experienced counsel significantly improves outcomes.
If the case proceeds to trial, we challenge every aspect of the lender’s case—from their right to foreclose to the accuracy of the amount claimed. Many foreclosure cases have technical defects that can result in dismissal or substantial delays that benefit our clients.
Bankruptcy can be an extremely powerful tool in foreclosure defense, especially Chapter 13, which allows you to catch up mortgage arrears over 3-5 years while keeping your home. This is often the best solution for Marble Hill families with steady income who fell behind due to temporary hardship.
The automatic stay in bankruptcy immediately stops all foreclosure proceedings, giving you complete protection while we develop a long-term solution. Chapter 13 also eliminates most unsecured debts, freeing up income to make mortgage payments affordable.
For families facing both foreclosure and overwhelming credit card or medical debt, bankruptcy provides comprehensive relief that foreclosure defense alone cannot achieve. We evaluate both options during your free consultation and recommend the strategy that best protects your home and financial future.
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