- 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 NYC, NY
Stop Your Foreclosure Before It's Too Late
Hear from Our Customers
NYC Foreclosure Defense Results
When you’re facing foreclosure in NYC, you’re not just fighting for a house—you’re fighting for your family’s stability and future. The good news is that New York’s foreclosure process gives you substantial time and legal options to defend your home.
With proper legal representation, you can stay in your home throughout the entire process, which often takes months or even years in New York. This time becomes your advantage when you have an experienced foreclosure attorney negotiating on your behalf.
You’ll have access to loan modifications that can lower your monthly payments, extend your loan terms, or even reduce your principal balance. Many of our clients discover they have defenses they never knew existed, from procedural errors to lender violations that can result in case dismissals.
Experienced NYC Foreclosure Lawyer
We have been defending homeowners against foreclosure in NYC and the greater New York area since 1987. As a graduate of NYU School of Law and former clerk to a US Bankruptcy Judge, Ronald Weiss brings both academic excellence and real-world courtroom experience to every case.
We understand the unique challenges NYC homeowners face, from skyrocketing property values to complex co-op and condo regulations. We’ve seen how foreclosure activity has surged in recent years, with Queens leading NYC in foreclosure filings and Manhattan reaching nearly 10-year highs.
What sets us apart is our comprehensive approach. We don’t just handle foreclosure defense—we’re also experienced in bankruptcy law, debt negotiation, and mortgage modifications. This means we can explore every possible avenue to protect your home and financial future, whether that’s through aggressive litigation, strategic negotiations, or alternative debt relief solutions.
NYC Foreclosure Defense Process
The moment you contact us, we immediately assess your situation and determine your best defense strategy. Time matters in foreclosure cases, but New York’s judicial foreclosure process gives us substantial opportunity to protect your rights when we act quickly.
First, we review all your loan documents, payment history, and any notices you’ve received. Many foreclosure cases contain procedural errors or lender violations that can be used in your defense. We file your answer to the foreclosure complaint, ensuring you don’t lose your right to defend the case.
Next, we prepare for New York’s mandatory settlement conference, which typically occurs within 60 days. This is where our negotiation skills become crucial—we work directly with your lender to explore loan modifications, payment plans, or other alternatives that can stop the foreclosure entirely.
Throughout this process, you maintain the right to stay in your home. If negotiations don’t succeed, we’re prepared to litigate aggressively in court, using every available defense to protect your property and buy you the time you need to stabilize your financial situation.
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NYC Foreclosure Attorney Services
Our foreclosure defense services are specifically tailored to NYC’s unique legal landscape and housing market. We handle everything from single-family homes in Queens to co-ops in Manhattan, understanding the specific challenges each property type presents in foreclosure proceedings.
You’ll receive comprehensive legal representation that includes reviewing your mortgage documents for violations, filing all necessary court papers, attending settlement conferences, and negotiating directly with your lender or servicer. We also coordinate with housing counselors and other professionals when beneficial to your case.
NYC homeowners benefit from our deep understanding of local foreclosure trends and court procedures. We know which judges prefer certain approaches, how different boroughs handle cases, and what strategies work best with major lenders operating in the NYC market. This local expertise, combined with our decades of experience, gives you the strongest possible defense against foreclosure.
How long does the foreclosure process take in NYC?
New York has the longest foreclosure timeline in the United States, averaging about 445 days from start to finish. This extended timeline is actually beneficial for homeowners because it provides substantial time to mount a defense, negotiate with lenders, and explore alternatives.
The process begins with a 90-day pre-foreclosure notice, followed by the filing of a lawsuit. Once you’re served with foreclosure papers, you have 20-30 days to respond, depending on how you were served. After that, there’s a mandatory settlement conference within 60 days where negotiations can take place.
Even if settlement talks fail, the case must proceed through various court hearings and procedures before a judgment can be entered. With proper legal representation, this timeline often extends even longer, giving you maximum opportunity to save your home or arrange a favorable resolution.
Can I stay in my home during foreclosure proceedings?
Yes, you have the legal right to remain in your home throughout the entire foreclosure process in New York. This is one of the most important protections available to NYC homeowners facing foreclosure.
You can stay in your property until the foreclosure sale is actually completed and the title transfers to a new owner, which typically takes months or even years. This gives you time to work with an attorney to fight the foreclosure, negotiate a modification, or make other arrangements.
However, it’s crucial that you don’t simply ignore the situation. While you can stay in your home, you must actively defend against the foreclosure by responding to court papers and participating in the legal process. An experienced foreclosure attorney can ensure you maintain your right to occupy the property while building the strongest possible defense.
What defenses are available against foreclosure in NYC?
There are numerous potential defenses against foreclosure that many homeowners don’t realize exist. These can range from technical procedural errors to substantive violations of lending laws that can result in case dismissals or significant leverage in negotiations.
Common defenses include improper notice requirements, lack of standing to foreclose, robo-signing of documents, and violations of federal lending laws like TILA or RESPA. We also examine whether the lender properly transferred your mortgage, whether they have the original note, and whether all required parties are included in the lawsuit.
Additionally, if you’re dealing with predatory lending practices, loan modification violations, or servicer errors, these can form the basis of strong counterclaims. Each case is unique, which is why a thorough review of your specific situation is essential to identify all available defenses and develop the most effective strategy.
How much does a foreclosure attorney cost in NYC?
The cost of foreclosure defense varies depending on the complexity of your case, but it’s important to understand that hiring an attorney is an investment in protecting what is likely your most valuable asset—your home. Many attorneys offer different fee structures, including flat fees, hourly rates, or payment plans.
At our firm, we provide transparent pricing during your free consultation, so you know exactly what to expect. We also understand that homeowners facing foreclosure are often dealing with financial stress, which is why we work with clients to find payment arrangements that make sense for their situation.
Consider that the average NYC home value makes the cost of legal representation a small fraction of what you could lose in foreclosure. Additionally, successful foreclosure defense often results in loan modifications that reduce your monthly payments, potentially saving you thousands of dollars over the life of your loan. The investment in proper legal representation typically pays for itself many times over.
What is a loan modification and how does it work?
A loan modification is a permanent change to your mortgage terms designed to make your payments more affordable and help you avoid foreclosure. This can include reducing your interest rate, extending the loan term, adding missed payments to the loan balance, or in some cases, reducing the principal amount you owe.
The modification process typically begins during the mandatory settlement conference or through direct negotiation with your lender. Your attorney will prepare a comprehensive application including financial documentation, hardship letters, and supporting materials that demonstrate your ability to make modified payments.
Lenders are often motivated to approve modifications because they avoid the costs and delays of completing a foreclosure. With proper legal representation, many homeowners achieve modifications that reduce their monthly payments by hundreds or even thousands of dollars, allowing them to keep their homes while getting back on solid financial ground. The key is having an experienced attorney who knows how to present your case effectively and negotiate with lenders from a position of strength.
Should I contact my lender directly or hire an attorney first?
While it’s important to communicate with your lender, you should consult with an experienced foreclosure attorney before making any commitments or agreements. Lenders have teams of attorneys working for them—you should have experienced legal counsel working for you.
Many homeowners make the mistake of trying to negotiate directly with their lender, only to find themselves agreeing to unfavorable terms or inadvertently waiving important rights. Lenders may also use delay tactics, claiming they never received your modification application or requesting the same documents repeatedly while the foreclosure proceeds.
We can handle all communications with your lender while protecting your rights and building your defense. We know how to navigate the complex servicer bureaucracy, ensure your modification application is properly submitted and processed, and maintain leverage throughout negotiations. Early legal intervention provides the most options and typically results in better outcomes than trying to handle the situation alone.
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