Foreclosure Lawyer in Franklin Square, NY

Stop Foreclosure Before It's Too Late

Protect your home and family with experienced foreclosure defense representation in Nassau County.

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Foreclosure Defense Attorney Franklin Square

Keep Your Home, Protect Your Future

When you’re facing foreclosure, every day matters. The right legal strategy can mean the difference between losing your home and finding a path forward that works for your family.

You don’t have to accept foreclosure as inevitable. There are legal defenses, negotiation opportunities, and alternative solutions that can stop the process and give you breathing room. Many homeowners don’t realize they have options until it’s too late.

With proper foreclosure defense, you can challenge improper documentation, negotiate loan modifications, or buy the time needed to sell your home on your terms. The goal isn’t just to delay the inevitable—it’s to find a real solution that protects your family’s stability and financial future.

Franklin Square Foreclosure Attorney

Local Expertise When You Need It Most

We have been serving homeowners throughout Franklin Square and Nassau County with focused foreclosure defense representation. We understand the local court system, the judges, and how foreclosure cases typically unfold in this area.

Every foreclosure case is different, but the stress and uncertainty feel the same. We’ve helped families navigate this process by providing clear explanations of their options and aggressive representation when needed. Our approach is straightforward: understand your situation, explore every available option, and fight for the best possible outcome.

When your home is at stake, you need someone who knows the system and isn’t afraid to challenge lenders who cut corners or ignore proper procedures.

Stop Foreclosure Lawyer Process

Clear Steps to Defend Your Home

First, we review your foreclosure documents and mortgage history to identify any procedural errors or legal defenses. Many foreclosure cases have documentation problems that can be challenged in court.

Next, we evaluate your financial situation to determine if loan modification, refinancing, or other alternatives make sense. Sometimes the best defense is a good offense—negotiating directly with your lender for terms you can actually afford.

If litigation is necessary, we file the appropriate responses and defenses in Nassau County court. This stops the foreclosure clock and gives us time to build your case. Throughout the process, we keep you informed about deadlines, court dates, and any developments that affect your situation.

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Mortgage Foreclosure Attorney Services

Comprehensive Foreclosure Defense Representation

Our foreclosure defense services cover every aspect of protecting your home. We handle foreclosure litigation, challenging improper documentation, and representing you in court proceedings. Many lenders rely on robo-signing and sloppy paperwork—we know how to spot these problems and use them in your defense.

We also negotiate directly with mortgage servicers for loan modifications, payment plans, and other workout options. Sometimes the solution isn’t fighting the foreclosure but restructuring the loan so you can keep your home long-term.

For Franklin Square homeowners, we understand the local real estate market and can advise whether a short sale or deed in lieu makes more sense than prolonged litigation. The goal is always to protect your interests and minimize the long-term impact on your credit and financial future.

How long does the foreclosure process take in New York?

In New York, foreclosure is a judicial process that typically takes 12-18 months from the initial filing to the foreclosure sale. However, this timeline can vary significantly based on court schedules, whether you contest the foreclosure, and how quickly the lender moves through each step. The process begins with a 90-day pre-foreclosure notice, followed by the lawsuit filing, service of papers, and various court proceedings. If you respond to the lawsuit and raise defenses, this can extend the timeline considerably, giving you more time to explore alternatives or negotiate with your lender.

Can I stop foreclosure after receiving a notice of sale?

Yes, you can potentially stop foreclosure even after receiving a notice of sale, but your options become more limited as the process advances. You can file for bankruptcy, which creates an automatic stay that halts the foreclosure sale. You can also challenge the foreclosure in court if there are legal defenses, negotiate a last-minute loan modification, or pay off the full amount owed. Some homeowners successfully negotiate short sales even at this late stage. The key is acting quickly—once the foreclosure sale occurs, your options become much more limited and expensive.

What defenses can be used against foreclosure in Nassau County?

Common foreclosure defenses in Nassau County include improper service of process, lack of standing to foreclose, failure to comply with RPAPL 1304 notice requirements, and defective documentation. Many foreclosure cases involve robo-signing, missing assignments, or broken chains of title that can be challenged. Predatory lending practices, TILA violations, and failure to engage in good faith loss mitigation can also provide strong defenses. Additionally, if the lender failed to properly credit payments or calculate the amount owed, this can form the basis for a defense. Each case requires careful document review to identify the strongest available defenses.

How much does a foreclosure lawyer cost in Franklin Square?

Foreclosure defense attorney fees in Franklin Square typically range from $2,500 to $5,000 for full representation, depending on the complexity of your case and whether it goes to trial. Many attorneys offer payment plans or flat fee arrangements rather than hourly billing. Some lawyers will work on a case for a lower upfront fee if you’re also pursuing a loan modification that could generate attorney fees paid by the lender. The cost of legal representation is often much less than the equity you could lose in your home, and many attorneys offer free consultations to evaluate your case and discuss fee arrangements.

What is a loan modification and how does it work?

A loan modification is a permanent change to your mortgage terms designed to make your monthly payments more affordable. This can include reducing the interest rate, extending the loan term, or even reducing the principal balance in some cases. The process typically involves submitting a detailed financial package to your lender, including income documentation, expense statements, and a hardship letter explaining why you need the modification. Lenders are often willing to modify loans because it’s usually more profitable than foreclosure. Having an attorney handle the modification process can significantly improve your chances of approval and ensure you get the best possible terms.

Can I sell my house while in foreclosure in New York?

Yes, you can sell your house while in foreclosure in New York, and this is often a good strategy to avoid the foreclosure sale and protect your credit. You’ll need to sell for enough to pay off the mortgage balance, or negotiate a short sale with your lender if you owe more than the home is worth. The key is acting quickly—you need enough time to market the property, find a buyer, and complete the closing before the foreclosure sale date. Your attorney can work with the lender to postpone the foreclosure sale while you pursue the sale, and handle the legal requirements to ensure the foreclosure case is properly dismissed once the sale closes.

Local Resources

Franklin Square, NY is located in Nassau County in New York State