Mortgage Attorney in Brooklyn, NY

Stop Foreclosure and Save Your Brooklyn Home

We file the paperwork that stops creditors, negotiates your mortgage down, and keeps you in your house—starting with a free consultation today.

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Mortgage Foreclosure Attorney Brooklyn, NY

What Happens When Foreclosure Actually Stops

Brooklyn saw 460 first-time foreclosure filings in 2025. If you’re one of them, you already know the pressure—the calls, the letters, the sleepless nights wondering if you’ll lose your home.

Here’s what changes when you file. The automatic stay kicks in immediately. Creditors can’t call. They can’t garnish your wages. They can’t move forward with foreclosure. Everything stops while we negotiate.

We’ve reduced monthly mortgage payments by over $1,700 for Brooklyn homeowners. We’ve secured interest rate reductions down to 3.5% fixed. We’ve restructured loans that were underwater and saved homes in Marine Park, East Flatbush, Canarsie, and Mill Basin—the same neighborhoods hit hardest right now.

You’re not looking for a lecture on financial responsibility. You need your mortgage payment lowered, your creditors off your back, and a plan that actually works. That’s what we do.

Brooklyn Mortgage Modification Attorney

We've Been Doing This Since 1993

Ronald D. Weiss graduated from NYU School of Law in 1988, received the Galgay Fellowship in Bankruptcy and Reorganization Law, and founded our firm in 1993. That’s over 30 years of bankruptcy, foreclosure defense, and mortgage modification work across Brooklyn and the Southern District of New York.

We know the local bankruptcy court. We know the trustees. We know which mortgage servicers will negotiate and which ones need pressure. Brooklyn homeowners deal with specific challenges—property values in flux, neighborhoods like East Flatbush seeing 12 foreclosures in a single quarter, and zip code 11234 logging seven foreclosures in one reporting period.

You meet directly with an attorney, not an intake coordinator. You get transparent flat-fee pricing with payment plans, and for Chapter 13 cases, attorney fees are built into your court-approved repayment plan. Zero out-of-pocket to start.

Mortgage Loan Modification Lawyer Brooklyn

Here's How We Stop Foreclosure and Restructure Your Mortgage

First, you come in for a free consultation. We review your mortgage, your income, your debts, and your foreclosure timeline. We’re looking at whether bankruptcy makes sense, whether a standalone loan modification works, or whether we need to combine both.

If we file Chapter 13 bankruptcy, the automatic stay goes into effect the moment we file. Foreclosure stops. We then propose a repayment plan to the court that catches up your missed mortgage payments over three to five years while you resume regular monthly payments going forward. Most Brooklyn Chapter 13 cases get confirmed within a few months.

If we’re negotiating a loan modification without bankruptcy, we’re pushing your lender for interest rate reductions, principal forbearance, or extended loan terms. We’ve gotten rates down to 3.5% fixed and cut monthly payments by over $400 for Brooklyn homeowners. The process takes longer—sometimes months—but we handle all communication with your servicer while you stay in your home.

Either way, you’re not doing this alone. We update you at every stage, explain what’s happening in plain language, and keep fighting until your mortgage is manageable or your home is protected.

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Foreclosure Defense Attorney Brooklyn, NY

What You Actually Get When You Hire Us

You get a mortgage foreclosure attorney who handles Chapter 7, Chapter 11, and Chapter 13 bankruptcy cases, foreclosure defense litigation, mortgage loan modifications, and debt negotiation. We’re not just bankruptcy lawyers who dabble in foreclosure—we do both, together, because that’s what Brooklyn homeowners need right now.

Brooklyn’s foreclosure crisis mirrors 2008. The same neighborhoods are getting hit—East Flatbush, Canarsie, Marine Park, Bergen Beach, Flatlands. Black, Latino, and South Asian homeowners are disproportionately affected. Credit card debt in NYC is up 11% year-over-year, nearly triple wage growth, which means people can’t keep up with mortgage payments even when they want to.

We stop wage garnishment. New York law only exempts the first $450 of weekly wages completely, and collectors can take 10% of your gross pay or 25% of disposable income after that. If they’re already garnishing you, bankruptcy stops it immediately.

We also guide you on credit recovery. Most clients see measurable credit improvement within 12 months of filing. We’ve had clients approved for credit cards, auto loans, even mortgages within a few years of discharge. You’re not ruined forever—you’re hitting reset and rebuilding smarter.

How fast can a mortgage attorney stop foreclosure in Brooklyn?

The automatic stay takes effect the moment we file your bankruptcy petition. That means if your foreclosure sale is scheduled for next week and we file tomorrow, the sale stops tomorrow. Creditors are legally barred from continuing collection activity, including foreclosure proceedings, wage garnishment, and bank levies.

This isn’t a delay tactic. It’s a legal protection under federal bankruptcy law that gives us time to negotiate a loan modification, propose a Chapter 13 repayment plan, or explore other options. The stay remains in place throughout your bankruptcy case unless a creditor files a motion to lift it—and we fight those motions.

If you’re not filing bankruptcy, we can still fight the foreclosure in court, challenge the lender’s standing, or negotiate a modification. But nothing stops a foreclosure faster than the automatic stay. If your sale date is close, bankruptcy is usually the right move.

What's the difference between a mortgage modification and refinancing?

Refinancing means you’re taking out a new loan to pay off your existing mortgage. You need good credit, stable income, and equity in your home. If you’re behind on payments or facing foreclosure, you’re not getting approved for a refinance.

A mortgage modification changes the terms of your existing loan. Your lender might reduce your interest rate, extend your loan term from 30 years to 40 years, or forbear part of your principal. The goal is to lower your monthly payment to something you can actually afford. You don’t need perfect credit, and you can negotiate a modification even if you’re already in foreclosure.

We’ve negotiated interest rate reductions of 1.375% and monthly payment cuts of over $1,700 for Brooklyn homeowners. Modifications take time—your servicer will request financial documents, review your hardship, and may reject your first application. That’s why having a mortgage modification attorney matters. We know what documentation they need, how to present your case, and when to push back if they’re stalling.

Can I keep my house if I file Chapter 13 bankruptcy in Brooklyn?

Yes. That’s the whole point of Chapter 13. You propose a repayment plan to the bankruptcy court that catches up your missed mortgage payments over three to five years while you resume making your regular monthly mortgage payment going forward.

Let’s say you’re $15,000 behind on your mortgage and your lender has started foreclosure. You file Chapter 13, and your repayment plan spreads that $15,000 across 60 months. That’s $250 a month on top of your regular mortgage payment. The court confirms your plan, and as long as you make those payments, your lender can’t foreclose.

New York’s homestead exemption protects up to $165,550 in home equity (or more in some cases), so most Brooklyn homeowners don’t lose their home in bankruptcy. Chapter 7 is different—it liquidates assets to pay creditors—but even then, the exemption often protects your house if you don’t have significant equity.

Most Chapter 13 cases in Brooklyn are completed in three to four months from filing to confirmation. You stay in your home the entire time.

How much does a mortgage attorney cost in Brooklyn?

We charge flat fees, not hourly rates. For Chapter 13 bankruptcy cases, attorney fees are typically built into your court-approved repayment plan, which means you pay zero out-of-pocket to start. The court approves the fee, and it’s paid through your monthly plan payments over time.

For loan modifications without bankruptcy, New York law prohibits us from collecting upfront fees. We only get paid after we’ve actually provided the service and achieved results. That protects you from modification scams that take your money and disappear.

We give you a written fee agreement before you sign anything. Every cost is disclosed upfront. No hidden charges, no billing surprises, no bait-and-switch. We’ve operated with transparent pricing for over 30 years because people who need bankruptcy attorneys can’t afford to be overcharged.

Payment plans are available, and we’ll work with you to structure something that fits your budget. The goal is to get you help now, not six months from now after you’ve saved up a retainer you can’t afford.

What happens to my credit after filing bankruptcy in Brooklyn?

Your credit score will drop initially. Bankruptcy stays on your credit report for seven years (Chapter 13) or ten years (Chapter 7). But here’s what most people don’t realize: if you’re already behind on your mortgage, facing foreclosure, and drowning in debt, your credit is already damaged.

Bankruptcy stops the bleeding. You’re no longer racking up late payments, charge-offs, and collection accounts every month. Once your case is discharged, you can start rebuilding immediately.

Most of our clients see measurable credit improvement within 12 months of filing. We’ve had clients approved for credit cards within a year, auto loans within two years, and mortgages within a few years of discharge. You’re not blacklisted forever. Lenders care more about your recent payment history than a bankruptcy from three years ago.

We also provide credit recovery guidance after your case closes. You’ll know which steps to take, which accounts to open, and how to rebuild strategically. Bankruptcy isn’t the end of your financial life—it’s a reset button that stops the damage and gives you a clean slate.

Which Brooklyn neighborhoods are seeing the most foreclosures right now?

East Flatbush, Canarsie, Marine Park, Mill Basin, Bergen Beach, and Flatlands are getting hit hardest. Zip code 11234, which covers Marine Park, Mill Basin, Bergen Beach, Canarsie, and Flatlands, saw seven foreclosures in a single reporting period. East Flatbush (zip code 11203) logged 12 foreclosure cases in Q2 2024 alone.

These are the same neighborhoods that were devastated during the 2008 mortgage crisis. Black, Latino, and South Asian homeowners make up the majority of residents in these areas, and they’re disproportionately affected by predatory lending, job loss, and rising costs of living.

Brooklyn saw 460 first-time foreclosure filings in 2025, making it the second-highest borough in New York City after Queens. Foreclosure filings across NYC nearly doubled in the first half of the year compared to late 2024, and the trend isn’t slowing down.

If you live in one of these neighborhoods and you’re struggling with your mortgage, you’re not alone. We’ve worked with homeowners in every corner of Brooklyn, and we know the local court system, the trustees, and exactly how to fight for your home in the Southern District of New York.

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Brooklyn, NY is located in Kings County in NY State

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