Foreclosure Lawyer in Commack, NY

Stop Foreclosure Before It's Too Late

Protect your home with aggressive foreclosure defense strategies that actually work in New York courts.

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Stop Foreclosure Proceedings Commack

Keep Your Home, Keep Your Future

You’re not just fighting for a house. You’re fighting for your family’s stability, your children’s schools, your neighborhood connections, and years of memories you’ve built.

When foreclosure proceedings stop, the immediate pressure lifts. You can sleep at night knowing your family won’t be displaced next month. Your kids don’t have to worry about changing schools mid-year.

But beyond the emotional relief, you gain something more valuable: time and leverage. Time to reorganize your finances, explore loan modifications, or negotiate with your lender from a position of strength rather than desperation. Many of our Commack clients discover they have more options than they realized once the foreclosure machine stops grinding forward.

Foreclosure Defense Attorney Commack

We Know New York Foreclosure Law

The Frank Law Firm P.C. has been protecting Long Island homeowners from foreclosure for years. We understand how New York’s judicial foreclosure process works, and more importantly, where lenders make mistakes.

Every foreclosure case in New York must go through the courts. That means there are rules, procedures, and deadlines that must be followed exactly. When they’re not, you have grounds to fight back.

We’ve helped Commack families challenge improper documentation, negotiate loan modifications that actually fit their budgets, and buy crucial time to explore alternatives. Your case gets personal attention because we know what’s at stake.

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Foreclosure Help Process Commack

Here's How We Stop Foreclosure

First, we review every document in your foreclosure case. Banks and servicers make mistakes more often than you’d think. Missing signatures, improper notices, chain of title issues – these aren’t technicalities, they’re your legal rights.

Next, we file the appropriate responses and motions to halt the foreclosure proceedings. This immediately stops the clock and gives us room to work. While your case is active, you stay in your home.

Then we explore your options. Maybe it’s a loan modification that reduces your payment to something manageable. Maybe it’s challenging the foreclosure on procedural grounds. Maybe it’s negotiating a timeline that works for your situation. Every case is different, but the goal is the same: keeping you in your home or finding the best possible alternative.

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Mortgage Foreclosure Attorney Services

Complete Foreclosure Defense Coverage

You get aggressive legal representation from day one. We handle all communication with your lender and their attorneys, so you’re not fielding threatening calls or trying to decode legal documents alone.

We challenge every aspect of your foreclosure case. If the bank can’t prove they own your mortgage, if they didn’t follow proper notice procedures, if they’re trying to rush through the process – we catch it and use it. Long Island courts see a lot of foreclosure cases, and we know what judges expect.

Our Commack clients also get help exploring alternatives. Sometimes fighting the foreclosure isn’t the best strategy. Sometimes a loan modification, short sale, or deed in lieu makes more sense for your family’s future. We’ll tell you honestly what we think gives you the best outcome, not just what generates more legal fees.

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We can typically file motions to halt foreclosure proceedings within days of being retained, sometimes sooner if your sale date is imminent. New York’s judicial foreclosure process requires court approval, which means we have multiple opportunities to intervene. The key is acting fast – don’t wait until the week before your foreclosure sale. The earlier we get involved, the more options we have to protect your home and negotiate from a stronger position.
Missing payments doesn’t disqualify you from foreclosure defense. In fact, most of our clients come to us after they’ve already fallen behind. What matters is whether your lender followed proper procedures in starting the foreclosure process. We’ve successfully defended cases where clients were six months or more behind on payments by challenging improper notices, documentation errors, or negotiating loan modifications that bring accounts current over time.
Loan modifications are possible, but success depends on your specific financial situation and your lender’s policies. We’ve negotiated modifications that reduced clients’ payments by hundreds of dollars per month, extended loan terms, or even reduced principal balances in some cases. The key is presenting a compelling case that shows you can afford the modified payment long-term. Having legal representation often gets lenders’ attention in ways that calling customer service doesn’t.
Our fees vary based on your case’s complexity, but we offer payment plans because we understand you’re already facing financial pressure. Many clients find that the money they save by staying in their home (versus moving costs, rent deposits, storage fees) more than covers legal fees. We’re transparent about costs upfront and don’t surprise you with hidden charges. Your initial consultation is free, so you can understand your options without any financial commitment.
Even if keeping your home isn’t possible, good foreclosure defense can still benefit you significantly. We can negotiate short sales that protect your credit score, arrange deed-in-lieu agreements that avoid foreclosure on your record, or secure cash-for-keys deals that give you moving money and more time. We can also help you avoid deficiency judgments where the bank comes after you for the difference between what you owed and what the house sold for.
No, you can stay in your home throughout the foreclosure process in New York. Foreclosure is a legal proceeding that takes months, and you have the right to remain in the property until a judge signs a final judgment and the house is actually sold. We use this time strategically to build your defense, negotiate with lenders, and explore alternatives. Don’t let anyone pressure you to leave early – that just makes their job easier and eliminates your leverage.

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