Foreclosure Lawyer in Bayswater, NY

Stop Foreclosure Before It's Too Late

Experienced foreclosure defense when your home is on the line and time is running out.

Hear from Our Customers

Foreclosure Defense Attorney Bayswater

Keep Your Home and Your Peace of Mind

You’re not just fighting to keep a house. You’re fighting to keep your family’s stability, your children’s school district, and the place where you’ve built your life.

When foreclosure proceedings stop, the constant worry stops too. No more sleepless nights wondering if you’ll have to pack up everything you own. No more avoiding phone calls from your mortgage company or dreading the mail.

Instead, you get breathing room to reorganize your finances. You get a clear path forward, whether that’s a loan modification that actually fits your budget, a payment plan that makes sense, or another solution that lets you move forward with dignity. You get your life back instead of living in constant crisis mode.

Bayswater Mortgage Foreclosure Attorney

We Know New York Foreclosure Law

The Frank Law Firm P.C. focuses on foreclosure defense and debt relief for homeowners throughout Nassau County. We understand how New York’s judicial foreclosure process works and where lenders make mistakes.

We’ve seen every foreclosure scenario you can imagine. Homeowners who missed payments after job loss, families dealing with medical debt, people whose mortgage servicer lost their modification paperwork three times. We know what works and what doesn’t.

Most importantly, we don’t sugarcoat your situation. If we can help you save your home, we’ll tell you exactly how. If we can’t, we’ll help you explore other options that protect your interests and your future.

Stop Foreclosure Lawyer Process

Here's Exactly What Happens Next

First, we review your foreclosure case and mortgage documents. We’re looking for procedural errors, documentation problems, or violations of your rights that can stop the foreclosure process. Many cases have defenses that homeowners never knew existed.

Next, we file the appropriate legal responses and begin negotiations with your lender. This immediately puts legal pressure on them and often slows down their timeline. We handle all communication with the mortgage company so you’re not dealing with collection calls and confusing paperwork.

Then we pursue the best strategy for your situation. That might be a loan modification that reduces your payment, a repayment plan that catches up your arrears, or challenging the foreclosure in court. Throughout the process, you’ll know exactly where your case stands and what to expect next.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Foreclosure Help Lawyer Services

Complete Foreclosure Defense and Alternatives

Our foreclosure defense covers every aspect of protecting your home and your rights. We challenge improper foreclosure procedures, negotiate loan modifications, and explore alternatives like short sales when keeping the home isn’t realistic.

We also handle the paperwork and communication that overwhelms most homeowners. Your mortgage servicer will deal with us instead of calling you at work or sending threatening letters to your home. We know how to speak their language and get results.

You’ll also get honest advice about your options. Sometimes fighting the foreclosure makes sense. Sometimes negotiating an exit strategy protects you better. We’ll explain the pros and cons of each approach so you can make informed decisions about your family’s future.

How long does it take to stop a foreclosure in New York?

New York’s judicial foreclosure process typically takes 15+ months from start to finish, but we can often halt proceedings much sooner by filing appropriate legal responses and defenses. Once we enter the case, we usually buy you several months minimum while we negotiate with your lender or challenge their case in court. The exact timeline depends on your specific situation, but most homeowners get immediate relief from foreclosure pressure once we’re involved. Even if you’ve already received a foreclosure summons, you likely have more time and options than you realize.

Can I still save my home after receiving foreclosure papers?

Yes, receiving foreclosure papers is just the beginning of the legal process, not the end of your options. In New York, you have the right to respond to the foreclosure lawsuit and raise defenses. We can challenge the foreclosure on various grounds, negotiate a loan modification, or arrange a repayment plan even after the case has started. Many of our clients successfully save their homes after receiving foreclosure documents. The key is acting quickly and having experienced legal representation to navigate the process and protect your rights.

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

Loan modification involves negotiating with your lender to permanently change your mortgage terms – usually reducing your payment, interest rate, or principal balance. Foreclosure defense means challenging the legal foreclosure case in court by raising defenses like improper procedures or documentation errors. We often use both strategies together. While we’re defending the foreclosure case in court, we’re also negotiating a modification that makes your mortgage affordable long-term. This dual approach gives you the best chance of keeping your home while buying time to get your finances back on track.

How much does a foreclosure lawyer cost in Bayswater?

Our fees vary depending on your specific case, but we understand you’re already facing financial stress. We offer flexible payment arrangements and will discuss costs upfront so there are no surprises. Many clients find that our fees are far less than what they’d lose if their home goes to foreclosure sale. We also help you understand any programs that might assist with legal costs. The consultation allows us to review your situation and explain exactly what legal representation will cost in your specific case.

What happens if my house is already scheduled for auction?

A scheduled foreclosure auction doesn’t mean it’s too late, but it does mean you need to act immediately. We can often get the auction postponed by filing emergency motions or entering settlement negotiations with your lender. New York law provides several opportunities to stop a foreclosure sale even at the last minute if proper legal procedures weren’t followed. However, time is critical at this stage. The sooner we can review your case and take action, the better your chances of stopping the sale and exploring alternatives to save your home or negotiate a better outcome.

Will foreclosure defense hurt my credit score more than just letting it happen?

Fighting foreclosure typically doesn’t damage your credit worse than letting it proceed, and successful defense can actually protect your credit long-term. If we negotiate a loan modification, that’s reported much more favorably than a completed foreclosure. Even if we can’t save the home, negotiating alternatives like a short sale or deed-in-lieu often results in less credit damage than foreclosure. The foreclosure process itself already impacts your credit, so defending your rights and exploring options rarely makes things worse and often makes them significantly better. We’ll explain how each option affects your credit so you can make informed decisions.

Local Resources

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