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Mortgage Attorney in Queens, NY

Stop Foreclosure Before You Lose Your Home

You’re not losing your house without a fight. We’re mortgage attorneys in Queens, NY who have reversed foreclosures, reduced payments by over $1,700/month, and helped homeowners stay put.
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Foreclosure Defense Attorney Queens, NY

Keep Your Home and Lower Your Payment

Queens leads NYC with 581 new foreclosure filings this year alone. That’s 39% of the entire city’s cases. If you’re one of them, you already know the pressure.

You’ve got 20 days to respond if that summons was handed to you directly. 30 days if it came another way. Miss that window and your options shrink fast.

Here’s what actually works: foreclosure defense buys you time. Loan modification gets your payment down to something you can actually afford. We’ve negotiated interest rates as low as 3.125% fixed for clients who were drowning at 5% or higher. That’s real monthly relief, not just paperwork.

You don’t need to be behind on payments to ask for help. If you’re struggling now, or you see it coming, that’s the time to move. Lenders are more willing to work with you before you’re months deep in arrears. Once you’re in foreclosure, everything gets harder, but it’s not over.

Mortgage Lawyer Queens, NY

38 Years Defending Homeowners Across Queens

We’ve been handling mortgage foreclosure cases since 1993. Our team has defended homeowners in Jamaica, Springfield Gardens, South Ozone Park, and across Queens County. We’ve seen every lender tactic, every stall, every denial letter.

We’ve won reversals at the Appellate Division. We’ve negotiated modifications that saved clients over $1,700 a month. We don’t take cases we can’t help with, and we don’t bill you for a consultation.

Queens homeowners are dealing with a median home price of $700,000 and mortgage payments averaging $2,200 a month. When your income drops or expenses spike, that math stops working. We get it, and we know how to fix it.

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Mortgage Modification Attorney Queens, NY

Here's How We Defend Your Home

First, we review your situation in a free consultation. No obligation. We look at your mortgage, your income, what you’ve tried, and what your lender has said. If there’s a path forward, we’ll tell you. If there’s not, we’ll tell you that too.

If you’re already in foreclosure, we file an answer to stop the clock and challenge the lender’s case. That buys time and forces them to prove every detail. Lenders make mistakes—missing documents, incorrect amounts, procedural errors. We find them.

At the same time, we start the loan modification process. You’ll need to submit financials: pay stubs, tax returns, a hardship letter. We handle the paperwork and push your lender to respond. The process typically takes 30 to 90 days, but we stay on them so it doesn’t drag longer.

Once we get an offer, we review it with you. If it works, great. If it doesn’t, we push back or explore other options like Chapter 13 bankruptcy to restructure your debt and keep your home. Every case is different, but the goal is the same: you stay in your house.

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Loan Modification Lawyer Queens, NY

What You Get With Our Legal Representation

You get an attorney who knows Queens. We understand the neighborhoods hit hardest by foreclosure—zip code 11434 alone saw 41 new filings covering Rochdale, Jamaica, Saint Albans, and Brookville. We know the local courts, the judges, and how cases move through the system here.

You also get direct access to our legal team. No runaround, no waiting days for a callback. When your lender sends a denial or a confusing letter, we’re here to explain it and respond fast.

We handle everything: filing your answer, gathering documents, negotiating with your lender, and representing you in court if it comes to that. We’ve handled Chapters 7, 11, and 13 bankruptcy cases, so if loan modification isn’t enough, we have other tools.

We’ve helped clients cut their interest rates by more than 1.375% and drop monthly payments by $1,761. Some have locked in 3.125% fixed rates when they were facing adjustable loans that kept climbing. That’s the difference between keeping your home and losing it.

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How long does a mortgage loan modification take in Queens, NY?

Most loan modifications take between 30 and 90 days from start to finish. That’s if you have an attorney pushing the process and your paperwork is complete.

Without a lawyer, it drags longer. Lenders lose documents, ask for the same things twice, or deny incomplete applications without telling you what’s missing. We’ve seen cases sit for six months because the homeowner didn’t know what the lender actually needed.

Here’s what slows it down: missing financials, incomplete hardship letters, or not responding fast enough when your lender asks for more. We handle all of that. We make sure your application is complete the first time, and we follow up so your file doesn’t sit in a pile somewhere. The faster we move, the faster you get an answer.

If you don’t respond, the lender wins by default. That means they can move forward with foreclosure without you having any say in the process.

You have 20 days to respond if the summons was delivered to you in person. You have 30 days if it was delivered another way, like being left with someone else at your home or posted on your door. Those deadlines are strict. Miss them and you’re fighting uphill.

Filing an answer stops the automatic process and forces the lender to prove their case. It also opens the door for us to negotiate a loan modification while the case is pending. Even if you’re behind on payments and think there’s no point, responding buys you time and options. Not responding guarantees you lose.

Yes. We’ve negotiated monthly payment reductions of over $1,700 for clients in Queens. That’s not a one-time thing—it’s a permanent change to your loan terms.

How it works: we submit a modification application showing your current income, expenses, and hardship. If your lender agrees you can’t afford the current payment, they’ll offer new terms. That might mean a lower interest rate, a longer loan term, or moving missed payments to the end of your loan.

We’ve gotten clients fixed rates as low as 3.125% when they were paying much more. We’ve also negotiated principal forbearance, where part of your loan balance is set aside and you don’t pay interest on it. Every case is different, but the goal is the same: a payment you can actually make every month without falling behind again.

You don’t need one, but it’s smarter to call before you’re behind. Lenders are more willing to work with you when you’re current or just a month or two late. Once you’re three or four months behind, your options narrow.

If you see trouble coming—job loss, medical bills, divorce, whatever it is—reach out now. We can help you apply for a modification before you’re in foreclosure. That keeps your credit from tanking and keeps you out of court.

Even if you’re already behind, it’s not too late. But the earlier you act, the more leverage you have. Waiting until you get a foreclosure summons means you’re playing defense. Calling now means you’re still in control.

A loan modification changes the terms of your mortgage—lower rate, longer term, reduced payment. You’re still paying the loan, just under better terms. It doesn’t affect your other debts.

Chapter 13 bankruptcy restructures all your debts, not just your mortgage. You make one monthly payment to the court, and they distribute it to your creditors over three to five years. It stops foreclosure immediately and lets you catch up on missed mortgage payments over time while keeping your home.

If your only problem is your mortgage, a modification usually makes more sense. If you’re also dealing with credit card debt, medical bills, or other loans you can’t pay, Chapter 13 might be the better move. We handle both, and we’ll walk through which option fits your situation. Sometimes we do both—file Chapter 13 to stop foreclosure, then negotiate a modification while the bankruptcy is active.

We offer a free consultation with no obligation. If we take your case, fees depend on what we’re doing—foreclosure defense, loan modification, or bankruptcy.

For foreclosure defense, we typically charge a flat fee to file your answer and represent you through the early stages of the case. If it goes to trial, there’s additional cost, but most cases settle before that. For loan modifications, we charge a flat fee to handle the entire application and negotiation process.

We’re upfront about cost from the start. No surprises, no hidden fees. And here’s the thing: not hiring a lawyer often costs more. Homeowners who try to negotiate on their own get worse terms, longer delays, or outright denials because they don’t know what lenders are required to offer. We do, and that’s worth it.

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Queens, NY is located in Queens County in New York State

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