Foreclosure Lawyer in Fort Salonga, NY

Stop Your Foreclosure Before It's Too Late

Immediate legal action can save your home and protect your family’s future.

Hear from Our Customers

Stop Foreclosure Fort Salonga

Keep Your Home and Your Peace of Mind

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

When foreclosure proceedings stop, the constant stress lifts. You can sleep again knowing your home is protected while we work on a permanent solution. Your credit score stops taking hits from missed payments and legal actions.

Most importantly, you buy time. Time to negotiate with your lender, explore loan modifications, or restructure your debt through bankruptcy protection. Time means options, and options mean you’re not backed into a corner anymore.

Foreclosure Defense Attorney Fort Salonga

We Know Suffolk County Foreclosure Law

At The Frank Law Firm P.C., we have defended Long Island homeowners against foreclosure for years. We know how Suffolk County courts handle these cases, which judges hear foreclosure matters, and what arguments actually work.

We’ve seen every foreclosure scenario. Job loss, medical bills, divorce, adjustable rate resets, property tax spikes. Each situation needs a different defense strategy, and we know which approach fits your circumstances.

You’re not getting a general practice attorney learning foreclosure law on your case. You’re getting focused expertise when your home is on the line.

Foreclosure Help Process Fort Salonga

Here's How We Stop Your Foreclosure

First, we review your foreclosure documents and mortgage file. Most homeowners miss critical deadlines or defenses because they don’t understand the legal requirements. We identify every possible defense and timeline you’re working with.

Next, we file the appropriate legal response. This might be an answer to the foreclosure complaint, a motion to dismiss, or an emergency application for a temporary restraining order. The goal is stopping the foreclosure process immediately.

Then we negotiate. Whether it’s a loan modification, payment plan, or bankruptcy protection, we use the leverage we’ve created to get you a solution you can actually live with. Throughout this process, you know exactly what’s happening and what to expect next.

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 Mortgage Help

You get immediate foreclosure defense, including emergency court applications to stop sheriff’s sales. We handle all court appearances, document filing, and legal deadlines while you focus on getting your finances stabilized.

We negotiate directly with your mortgage servicer for loan modifications, payment deferrals, or restructuring options. Many Long Island homeowners qualify for federal and state mortgage assistance programs they don’t know exist.

If bankruptcy makes sense for your situation, we coordinate Chapter 13 filings to stop foreclosure and create manageable payment plans. We also identify mortgage fraud or predatory lending practices that can become powerful defenses in foreclosure cases.

How quickly can you stop my foreclosure in Fort Salonga?

We can often stop foreclosure proceedings within 24-48 hours by filing an emergency application or answer to your foreclosure complaint. If you’re facing an immediate sheriff’s sale, we can request a temporary restraining order from Suffolk County Court. The key is acting fast – once we file the appropriate legal response, the foreclosure process stops while we negotiate a solution. Don’t wait until the last minute, but even if you do, we have emergency procedures to protect your home.

What's the difference between a foreclosure lawyer and bankruptcy attorney?

A foreclosure lawyer focuses specifically on defending against mortgage lender lawsuits and negotiating with servicers to save your home. We know foreclosure law, court procedures, and loan modification programs inside and out. While bankruptcy can stop foreclosure, it’s just one tool in our toolkit. We also handle mortgage fraud claims, predatory lending defenses, and direct negotiations with lenders. Many situations don’t require bankruptcy at all – sometimes we can resolve everything through loan modification or payment restructuring without affecting your credit as severely.

Can I really save my home if I'm already behind on payments?

Yes, being behind on payments doesn’t mean you lose your home automatically. Mortgage companies often prefer loan modifications over foreclosure because foreclosure costs them money too. We’ve helped homeowners who were 6-12 months behind get current through payment plans, loan modifications, or Chapter 13 bankruptcy reorganization. The key is having a realistic plan to address the underlying financial problem and an attorney who knows how to negotiate with your specific servicer. Every situation is different, but most have solutions if you act before the foreclosure sale.

How much does foreclosure defense cost in Fort Salonga?

Our fees depend on your specific situation and what services you need. Simple foreclosure defense starts at a reasonable flat fee, while complex cases involving loan modifications or bankruptcy cost more. We offer payment plans because we understand you’re already dealing with financial stress. Most importantly, we provide free initial consultations so you understand your options and costs upfront. Many homeowners find that our fees are much less than what they’d lose if their home goes to foreclosure sale. We’re transparent about costs from day one.

What happens if my loan modification gets denied?

Loan modification denial isn’t the end of your options. We can appeal the denial, request a review of the decision, or explore other alternatives like Chapter 13 bankruptcy, short sale, or deed-in-lieu arrangements. Sometimes servicers deny modifications incorrectly or don’t consider all available programs. We know which programs your servicer participates in and how to present your application for the best chance of approval. If modification truly isn’t possible, we help you transition to the next best option while protecting your legal rights throughout the process.

Do I have any defenses if I legitimately can't pay my mortgage?

Even if you can’t make payments, you may have strong legal defenses. Many foreclosures have procedural defects, missing documentation, or violations of federal lending laws. We review your mortgage origination documents for predatory lending practices, examine whether your servicer followed proper notice requirements, and check if they have legal standing to foreclose. Mortgage companies must prove they own your loan and followed all legal procedures. These defenses can stop foreclosure and give us leverage to negotiate better terms, even when you’re genuinely behind on payments.

Local Resources

Fort Salonga, NY is located in Suffolk County in New York State