Foreclosure Lawyer in Gardiners Point, NY

Stop Your Foreclosure Before It's Too Late

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

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Foreclosure Defense Attorney Nassau County

Keep Your Home, Protect Your Future

You’re not just fighting to keep a roof over your head. You’re protecting your family’s stability, your children’s schools, your neighborhood connections, and years of memories built within those walls.

When foreclosure threatens, you have more options than you realize. New York’s judicial foreclosure process gives you significant time to mount a defense, negotiate with lenders, and find solutions that work for your situation.

The right legal strategy can stop foreclosure proceedings in their tracks. We’ve seen families go from facing eviction to securing affordable loan modifications that let them stay in their homes for decades to come. That’s the difference between panic and having an experienced foreclosure defense attorney who knows exactly how to challenge improper documentation, negotiate with servicers, and use New York law to your advantage.

Stop Foreclosure Lawyer Gardiners Point

We Know Nassau County Foreclosure Law

We at The Frank Law Firm P.C. have been defending Long Island homeowners against foreclosure for years. We understand the local court system, know the judges, and have relationships with major servicers that help us negotiate better outcomes for our clients.

Foreclosure defense isn’t about delaying the inevitable. It’s about using every legal tool available to find a permanent solution that keeps you in your home or helps you transition on your terms, not the bank’s.

We’ve stopped foreclosures at every stage of the process, from initial default notices to courthouse steps sales. Each case is different, but our approach stays the same: aggressive legal defense combined with practical solutions that work for real families dealing with financial hardship.

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Foreclosure Help Lawyer Process

How We Stop Your Foreclosure

First, we review every document in your foreclosure case. Banks make mistakes constantly, and those mistakes become your defense. Missing signatures, improper transfers, MERS issues, and servicer violations can all stop a foreclosure dead in its tracks.

Next, we file the appropriate legal responses to challenge the foreclosure in Nassau County court. This immediately puts the brakes on any sale proceedings while we negotiate with your lender. You stay in your home during this process.

Finally, we work directly with your mortgage servicer to find a permanent solution. This might be a loan modification that reduces your payments, a repayment plan that catches you up over time, or alternative options like a short sale if keeping the home isn’t financially viable. The goal is always to resolve your situation in a way that protects your family and your financial future.

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Mortgage Foreclosure Attorney Services

Complete Foreclosure Defense and Loan Solutions

Our foreclosure defense covers every aspect of your case. We handle all court filings, represent you at hearings, and deal directly with your mortgage company so you don’t have to navigate confusing phone trees and unhelpful customer service representatives.

Loan modification is often the best long-term solution. We prepare comprehensive modification packages that present your financial situation in the strongest possible light, increasing your chances of approval for reduced payments, lower interest rates, or extended loan terms.

When foreclosure defense isn’t enough, we explore every alternative to help you transition with dignity. This includes negotiating short sales that eliminate deficiency judgments, deed-in-lieu arrangements that protect your credit, and strategic timing that gives you maximum time to find new housing. You’re never just abandoned to figure things out alone.

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If your foreclosure sale is scheduled, we can often get an emergency court order to stop it within 24-48 hours. New York requires judicial foreclosure, meaning the bank must go through the court system, which gives us multiple opportunities to intervene. The key is acting immediately when you receive a sale notice. Don’t wait until the day before the sale to call an attorney. Even if you’ve been ignoring foreclosure notices for months, there’s usually still time to mount an effective defense, but every day matters when a sale date is approaching.
Your chances depend on several factors: your current income, the reason for your financial hardship, how much you owe versus your home’s value, and your mortgage investor’s modification programs. We’ve seen approval rates increase significantly when modifications are properly prepared and presented by an attorney rather than homeowners trying to navigate the process alone. Banks are often more willing to negotiate when they’re facing a legal challenge to their foreclosure. The key is demonstrating that you have sufficient income to make modified payments while showing legitimate hardship that caused the default.
Most foreclosure attorneys work on either a flat fee or hourly basis, with costs typically ranging from $2,500 to $5,000 for full representation through trial. Many firms offer payment plans because we understand you’re facing financial hardship. The cost of legal representation is almost always less than losing your home’s equity to foreclosure. If your home has $50,000 in equity, spending $3,000 on legal fees to save it makes financial sense. We discuss fees upfront and work with clients to find payment arrangements that fit their budget.
Yes, you can remain in your home throughout the foreclosure defense process. New York’s judicial foreclosure system means the bank cannot remove you until they obtain a final judgment and complete the sale process, which typically takes 12-18 months or longer when properly defended. You have the right to occupy your home until the foreclosure is legally complete. This gives you time to work on loan modifications, catch up on payments, or plan your next steps. Don’t abandon your home because you received foreclosure papers – you have significant rights as a homeowner that an attorney can help you exercise.
The most effective defenses challenge the bank’s right to foreclose and their compliance with legal requirements. Common successful defenses include improper assignment of the mortgage, missing or forged documents, failure to send required notices, violations of federal loan servicing rules, and errors in payment processing or escrow handling. MERS-related issues are particularly common with mortgages originated between 2000-2010. We also challenge whether the bank properly owns your loan and has standing to foreclose. Each case is unique, but document review almost always reveals procedural errors that can delay or stop foreclosure proceedings.
Missing your court date results in a default judgment, but this doesn’t end your options. New York allows homeowners to file motions to vacate default judgments when there’s good cause and a meritorious defense. We can often get defaults overturned, especially if you weren’t properly served with court papers or had legitimate reasons for missing the hearing. Even after default, you may still have time before the actual foreclosure sale occurs. The key is acting quickly once you realize you’ve missed important deadlines. Courts are generally willing to give homeowners a chance to defend their homes when proper legal procedures weren’t followed.

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