Foreclosure lawyer Nassau County

In the Nassau County Supreme Court at 100 Supreme Court Drive in Mineola. New York foreclosure is judicial, so your lender has to file a lawsuit there and prove its case in front of a judge, which is exactly what gives you defenses and a mandatory settlement conference.

It is a court-ordered meeting, unique to New York, where you and the lender must try in good faith to work out a modification or other alternative before the case can move forward. Yes, attend it. Skipping it forfeits your best chance to keep the home and can let the case race to judgment.

Often, yes. Two tools can halt a scheduled sale: an Order to Show Cause asking the Supreme Court to stay the auction, and a bankruptcy filing, which triggers the federal automatic stay and stops the sale by operation of law the moment it is filed.

New York’s judicial process is slow, which works in your favor because each stage is a place to act. Here is the usual arc.

1. Day 1 to 90: the RPAPL 1304 pre-foreclosure notice period runs before any lawsuit can be filed.
2. Months 2 to 12: the case is filed in Nassau County Supreme Court and routed to CPLR 3408 settlement conferences.
3. Months 12 and beyond: if unresolved, the case moves toward summary judgment, a referee’s computation, and finally a scheduled auction, and defense or a bankruptcy stay can intervene at each step.

The strongest ones are procedural: whether the plaintiff owned your loan when it sued (standing), whether the RPAPL 1304 notice was mailed correctly and to the right people, and whether the six-year statute of limitations has already run. A defect in any of these can dismiss the case.

Filing stops the sale immediately through the automatic stay, but keeping the home long term means curing the default. A Chapter 13, filed in the Eastern District bankruptcy court at Central Islip, lets you pay the past-due balance over three to five years while staying current, so the reason for the foreclosure is resolved on a plan you can afford.

The first consultation is free, and the firm works on a flat fee set in writing with no hidden costs, so you know the price before you commit. In many cases the goal, a lower payment or a cured default, is what makes the fee pay for itself.