Foreclosure Lawyer in Pomonok, NY

Stop Your Foreclosure Before It's Too Late

Emergency legal defense when your home is on the line and time is running out.

Hear from Our Customers

Stop Foreclosure Proceedings Pomonok

Keep Your Home and Your Peace of Mind

You’re not just fighting to keep a house. You’re fighting to keep your kids in the same school district, your family stable, and your financial future intact.

When foreclosure defense works, you get breathing room. Real breathing room. The constant phone calls stop. The sleepless nights end. You get time to negotiate a payment plan that actually fits your budget, or restructure your mortgage into something manageable.

Some clients walk away with modified loans at payments they can handle long-term. Others buy enough time to sell on their terms instead of losing everything to a foreclosure auction. The goal isn’t just stopping the immediate crisis – it’s putting you back in control of your housing situation.

Foreclosure Defense Attorney Pomonok

We Know NY Foreclosure Law Inside Out

We have been defending homeowners against foreclosure in Queens and throughout New York for years. We understand how the judicial foreclosure process works in NY, and more importantly, we know where lenders make mistakes.

Every foreclosure case has deadlines that can’t be missed and paperwork that has to be perfect. We’ve seen too many homeowners lose their homes simply because they didn’t know their rights or couldn’t navigate the legal system fast enough.

Our practice focuses specifically on foreclosure defense, loan modifications, and helping families stay in their homes when banks want them out.

Foreclosure Help Process Pomonok

Here's Exactly How We Stop Your Foreclosure

First, we review your foreclosure documents and mortgage paperwork immediately. Most people wait too long – we move fast because foreclosure deadlines don’t wait for anyone.

Next, we file the necessary legal responses to halt the foreclosure proceedings. This usually buys you 30-90 days minimum, sometimes much longer. During this time, we’re negotiating directly with your lender for a loan modification, payment plan, or other workout solution.

If your lender violated foreclosure procedures or your mortgage terms, we pursue that aggressively. Banks make mistakes more often than you’d think, and those mistakes can save your home. Throughout the process, you’ll know exactly where your case stands and what options you have.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Mortgage Foreclosure Attorney Services

Complete Foreclosure Defense and Loan Solutions

You get full legal representation through every stage of foreclosure defense. We handle all court filings, negotiate directly with your lender, and fight for loan modifications that reduce your payments to something sustainable.

When appropriate, we’ll explore Chapter 13 bankruptcy as a foreclosure alternative – it’s often the fastest way to stop a foreclosure sale and reorganize your debts. For homeowners in Pomonok’s co-op and condo buildings, we understand the unique foreclosure procedures that apply to your situation.

We also handle wrongful foreclosure litigation when lenders cut corners or violate your rights. If you’re past the point of saving the home, we negotiate short sales and protect you from deficiency judgments that could follow you for years.

How quickly can you stop a foreclosure that's already been filed?

We can usually file an answer and motion to halt foreclosure proceedings within 24-48 hours of you hiring us. In New York, you typically have 20-30 days to respond to a foreclosure complaint, but the sooner we act, the more options we have. If your foreclosure sale date is imminent, we can often get an emergency court order to postpone it while we fight the case. The key is not waiting – once a foreclosure sale happens, your options become much more limited and expensive.

What are my chances of getting a loan modification to avoid foreclosure?

Your chances improve significantly with legal representation, but it depends on your specific financial situation and how much you owe versus your home’s current value. Lenders are generally willing to modify loans when it makes more financial sense than foreclosing, which is often the case. We’ve successfully negotiated modifications that reduced monthly payments by 30-50% for clients who demonstrated they could handle the new payment amount. The process typically takes 60-120 days, which is why stopping the foreclosure first is crucial to give us time to work.

Can I keep my home if I'm already several months behind on payments?

Yes, but you need to act fast and have a realistic plan for moving forward. Being behind on payments doesn’t automatically mean you lose your home – it means you need to either catch up, modify your loan terms, or find another solution quickly. We’ve helped clients who were 6-12 months behind save their homes through loan modifications, payment plans, and Chapter 13 bankruptcy reorganization. The amount you’re behind becomes part of the negotiation with your lender, often getting rolled into a new loan structure or payment plan.

How much does foreclosure defense cost when I'm already struggling financially?

We offer payment plans specifically for clients facing foreclosure because we understand you’re already under financial stress. Many foreclosure defense cases can be handled for a few thousand dollars total, paid over time, which is far less than you’d lose if your home goes to foreclosure auction. We also offer free initial consultations to review your case and explain all costs upfront. Some clients use Chapter 13 bankruptcy, which allows legal fees to be paid through the court-supervised payment plan over 3-5 years.

What happens if the foreclosure defense doesn't work and I lose my home anyway?

Even if you ultimately can’t save the home, foreclosure defense often leads to better outcomes than doing nothing. We can negotiate a deed in lieu of foreclosure or short sale, both of which are less damaging to your credit than a completed foreclosure. We also protect you from deficiency judgments, where the lender could sue you for the difference between what you owed and what they recovered. Many clients who can’t save their homes still get several months of additional time to find new housing and organize their finances, rather than facing immediate eviction.

Do I have any legal rights if my lender made mistakes during the foreclosure process?

Absolutely, and lender mistakes are more common than most homeowners realize. Banks must follow strict procedures for foreclosure notices, document handling, and court filings. If they failed to properly serve you with notices, made errors in calculating what you owe, or can’t produce the original mortgage documents, we can challenge the entire foreclosure. We’ve seen cases dismissed because lenders couldn’t prove they actually owned the mortgage or because they violated federal mortgage servicing rules. These procedural violations can not only stop your foreclosure but sometimes result in monetary damages in your favor.

Local Resources

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