Foreclosure Lawyer in Floral Park, NY

Stop Foreclosure and Save Your Home

Immediate legal action to halt foreclosure proceedings and negotiate solutions that keep your family housed.

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Stop Foreclosure Proceedings Today

Keep Your Family in Their Home

You’re not just fighting to save a house. You’re fighting to keep your kids in the same school district, maintain the neighborhood relationships you’ve built, and preserve the financial investment you’ve worked years to build.

When foreclosure threatens, you need immediate legal intervention. Our foreclosure defense strategies can halt the process, giving you breathing room to explore loan modifications, payment plans, or other alternatives that work with your current financial situation.

The goal isn’t just to delay the inevitable. It’s to find a sustainable solution that keeps you in your home long-term while protecting your credit and financial future.

Experienced Foreclosure Defense Attorneys

We Know Nassau County Foreclosure Law

The Frank Law Firm P.C. has been defending homeowners throughout Nassau County against foreclosure for years. We understand the local court system, the judges, and how mortgage servicers operate in this area.

Foreclosure defense isn’t a side practice for us. It’s what we do every day. We’ve seen every type of foreclosure situation and know which strategies work in Nassau County courts.

Our focus stays on your family’s needs, not just the legal technicalities. We explain your options in plain English and help you make decisions that make sense for your specific situation.

Our Foreclosure Defense Process

Clear Steps to Protect Your Home

First, we review your foreclosure notice and mortgage documents to identify any procedural errors or violations. Many foreclosures contain mistakes that can be challenged in court, buying you valuable time.

Next, we file the appropriate legal responses to halt the foreclosure proceedings. This immediate action stops the clock and prevents the sale of your home while we work on a long-term solution.

Then we negotiate directly with your mortgage servicer. Whether that’s a loan modification, payment plan, or other workout agreement, we handle all communication so you can focus on getting your finances back on track. Throughout the process, you’ll know exactly what’s happening and what to expect next.

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Comprehensive Foreclosure Help Services

Complete Legal Protection and Guidance

Our foreclosure defense service covers every aspect of protecting your home. We handle all court filings, negotiate with mortgage companies, and explore every available option to keep you housed.

You get immediate emergency response when foreclosure notices arrive. We also provide ongoing communication with your lender, detailed review of all mortgage documents, and representation in all court proceedings.

Many Floral Park homeowners face foreclosure due to temporary financial setbacks, not permanent inability to pay. We focus on solutions that acknowledge your commitment to staying in your home while working within your current financial reality.

How quickly can you stop a foreclosure in New York?

We can typically halt foreclosure proceedings within days of being retained, sometimes sooner in emergency situations. New York is a judicial foreclosure state, meaning all foreclosures must go through the court system. This gives us multiple opportunities to intervene and stop the process. Once we file the appropriate legal responses and motions, the foreclosure sale cannot proceed until the court resolves our challenges. The key is acting quickly when you receive foreclosure notices, as timing is critical in foreclosure defense.

What's the difference between loan modification and foreclosure defense?

Foreclosure defense involves challenging the foreclosure in court to stop the immediate threat to your home. Loan modification is negotiating with your lender to permanently change your mortgage terms – like reducing your interest rate, extending the loan term, or adding missed payments to the end of your loan. We often use both strategies together. Foreclosure defense buys us time and leverage, while loan modification provides the long-term solution that keeps you in your home affordably. Many successful cases involve stopping the foreclosure first, then negotiating a modification from a position of strength.

Can you help if I'm already behind on mortgage payments?

Yes, being behind on payments is exactly when you need foreclosure help most. The earlier you contact us, the more options we have available. Even if you’ve missed several payments, we can often negotiate payment plans, loan modifications, or other arrangements that bring your mortgage current over time. New York law provides several protections for homeowners, and lenders are often willing to work out solutions rather than complete a lengthy foreclosure process. The worst thing you can do is ignore the problem – mortgage companies have more flexibility to help when you’re actively working toward a solution.

How much does foreclosure defense cost compared to losing my home?

Foreclosure defense costs a fraction of what you’ll lose if your home goes to foreclosure sale. Consider that you lose all the equity in your home, face severe credit damage for years, and still might owe money if the sale doesn’t cover your full mortgage balance. Our fees are structured to work with your financial situation, often with payment plans available. Many clients find that a successful loan modification actually reduces their monthly payments, making the legal fees pay for themselves. We’re transparent about costs upfront and focus on solutions that make financial sense for your family’s long-term stability.

What happens if the foreclosure case is already in court?

Even if foreclosure proceedings are already active in Nassau County court, we can still intervene and defend your case. In fact, this is often when our experience becomes most valuable. We can file answers to the foreclosure complaint, raise defenses, and challenge the lender’s right to foreclose. New York’s foreclosure process typically takes over a year, giving us substantial time to negotiate alternatives even after court proceedings begin. We can also request settlement conferences, which are designed specifically to help homeowners and lenders reach agreements that avoid foreclosure completion.

Will foreclosure defense hurt my chances of getting a loan modification?

Actually, foreclosure defense often improves your chances of getting a loan modification. When you have legal representation, mortgage servicers take your situation more seriously and are more likely to engage in meaningful negotiations. Lenders prefer to modify loans rather than complete expensive foreclosure proceedings, but they need to see that you’re committed to finding a solution. Having an attorney shows you’re serious about saving your home and understand your rights. We coordinate foreclosure defense with modification applications to maximize your chances of success while protecting your legal position throughout the process.

Local Resources

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