Yes, being behind on payments doesn’t mean you’ve lost your home. New York law provides several opportunities to cure defaults and catch up on payments, even after foreclosure proceedings begin. We can negotiate payment plans, loan modifications, or forbearance agreements that let you get current over time. The bank often prefers working out a solution rather than completing foreclosure, which is expensive and time-consuming for them. The key is having experienced legal representation to negotiate from a position of strength.