Most homeowners have more defenses than they realize. New York law requires lenders to follow specific procedures, provide proper documentation, and prove they have the right to foreclose. We regularly find problems with mortgage assignments, missing signatures, improper notices, or calculation errors in the amount claimed due. Predatory lending practices, RESPA violations, and Truth in Lending Act violations can also provide strong defenses. Even if your defenses don’t stop the foreclosure permanently, they often create negotiating leverage for better loan terms or exit arrangements.