Foreclosure defense
Facing foreclosure? Talk to an attorney before the deadlines pass
If you're behind on your mortgage or have been served, we'll review the papers, explain your options and act on them: answering the complaint, negotiating a loan modification, arranging a short sale or using a Chapter 13 filing to stop a sale.
Time-sensitive:New York foreclosure cases have strict deadlines. If you've been served or a sale date is set, call the office today.
What's at stake
What you're dealing with
Your home and your equity
It isn't only the house. It's years of payments and the equity you've built. We look for the option that protects as much of that as possible.
Your credit
A foreclosure judgment, a loan modification, a short sale and a Chapter 13 each affect your credit differently. We explain the long-term effect of each before you choose.
Servicer paperwork
Lost loss-mitigation packages, conflicting letters and missed deadlines are common. We keep a record of every request and response, and use it.
Court deadlines
The time to answer a summons is short, and New York has specific pre-foreclosure notice rules (RPAPL § 1304). We check whether they were followed.
How we help
Foreclosure services
Foreclosure defense
Answering the complaint, raising defenses such as standing, notice defects and the statute of limitations, and representing you at settlement conferences.
Loan modification
Preparing and submitting the full loss-mitigation application and negotiating with the servicer for a lower payment, a lower rate or a longer term.
Short sale
When keeping the home isn't realistic, negotiating with the lender to sell for less than the balance owed, and seeking a written release of the remaining debt.
Deed in lieu
Transferring the property to the lender to end the foreclosure, structured to limit what you may still owe.
Chapter 13 option
A Chapter 13 filing generally pauses a foreclosure sale and lets you catch up on arrears over time. We handle the bankruptcy in the same office.
After judgment or sale
Motions to vacate, surplus money claims and eviction defense where a judgment has already been entered or the sale has happened.
How we work
How we approach a foreclosure
Urgent cases first
If a sale date is close, we prioritize the file and look at emergency options right away.
The right option, in the right order
Loan modification, litigation, short sale or Chapter 13. We review your file first and recommend an approach in writing.
Thinking past this year
Keeping the home matters. So does your credit and your ability to buy or refinance again later.
Step by step
What happens after you call
Review your papers
Tell us where things stand: court papers, sale date, loan balance and any prior modification attempts. Urgent matters are reviewed first.
Written recommendation
We explain the available options, the likely outcomes and the cost, and you decide how to proceed.
We handle the case
Court filings, conferences, the loss-mitigation application and communication with the servicer, with regular updates to you.
Foreclosure
Tell us where your case stands
Sale or court date in the next few days? Call (718) 459-2030 now.