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Immediate legal action can save your home and protect your family’s future.
Hear from Our Customers
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 fear stops too. No more sleepless nights wondering if you’ll get another notice. No more avoiding your mailbox or screening calls from unknown numbers.
The relief that comes with a successful loan modification or foreclosure defense gives you breathing room to rebuild. Your monthly payments become manageable again. Your equity stays protected. Your credit score stops taking hits from missed payments and legal proceedings.
Most importantly, you get time. Time to find better employment, recover from medical bills, or reorganize your finances without the pressure of losing everything you’ve worked for.
The Frank Law Firm P.C. has been defending homeowners throughout Suffolk County for years. We understand how New York’s judicial foreclosure process works and where the opportunities are to stop it.
We’ve seen every foreclosure scenario you can imagine. Job loss, medical debt, divorce, business failure, adjustable rate increases. The circumstances change, but the legal strategies remain consistent.
Our focus stays on Holbrook and surrounding Long Island communities because local knowledge matters. We know the courts, the judges, and the procedures that can make or break your case.
First, we review your foreclosure notice and mortgage documents to identify any procedural errors or violations. Banks make mistakes more often than you’d think, and these mistakes can stop foreclosure proceedings entirely.
Next, we contact your lender immediately to negotiate. This might mean requesting a loan modification to reduce your payments, negotiating a repayment plan for missed payments, or exploring other loss mitigation options.
If negotiation isn’t enough, we file the necessary legal responses to contest the foreclosure in court. New York’s judicial process requires the bank to prove they have the right to foreclose and followed all proper procedures.
Throughout this process, we handle all communication with your lender, servicer, and their attorneys. You don’t have to navigate confusing phone trees or decode legal documents. We speak their language and know what they’re required to do under New York law.
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Our foreclosure defense includes reviewing your entire mortgage file for violations of federal and state lending laws. Many foreclosures can be stopped or delayed when lenders haven’t followed proper procedures.
We negotiate directly with your mortgage servicer for loan modifications that reduce your monthly payment to something you can actually afford. This often involves reducing the interest rate, extending the loan term, or even reducing the principal balance.
For homeowners with multiple debts beyond their mortgage, we evaluate whether Chapter 7 or Chapter 13 bankruptcy makes sense as part of the foreclosure defense strategy. Bankruptcy can eliminate other debts and provide additional time to catch up on mortgage payments.
We also explore every available government program, from HARP refinancing to local housing assistance programs specific to Suffolk County residents.
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