Foreclosure Lawyer in Hunters Point, NY

Stop Your Foreclosure Before It's Too Late

Get immediate legal protection and explore every option to save your home with experienced foreclosure defense.

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Stop Foreclosure Hunters Point

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, and years of memories built in your neighborhood.

When foreclosure proceedings stop, the pressure lifts. You can sleep at night knowing your home is protected while we work on a permanent solution. Whether that’s a loan modification that cuts your monthly payment, challenging improper bank procedures, or negotiating a workout plan, you’ll have time to breathe and plan your next steps.

Your credit doesn’t have to be destroyed. Your equity doesn’t have to disappear. And you don’t have to face this alone.

Foreclosure Defense Attorney Queens

We Know Queens County Foreclosure Law

The Frank Law Firm P.C. has been defending homeowners against foreclosure in Queens County for years. We understand how the local courts work, which judges hear these cases, and exactly what banks need to prove to take your home.

We’ve seen every foreclosure scenario. Job loss, medical bills, divorce, business failure – we know what you’re going through because we’ve helped hundreds of families in Hunters Point and throughout Queens navigate these same challenges.

Our focus stays on results, not false promises. We’ll tell you honestly what options you have and fight for the best possible outcome.

Foreclosure Help Process Queens

Here's How We Stop Your Foreclosure

First, we review your foreclosure papers and mortgage documents. Many banks make procedural errors or lack proper documentation – these mistakes can stop foreclosure proceedings entirely.

Next, we file the necessary legal responses to halt the foreclosure timeline. This gives you immediate breathing room while we investigate your case and explore all available options.

Then we negotiate directly with your lender. Whether it’s a loan modification, payment plan, or alternative resolution, we push for terms that actually work with your current financial situation. Throughout the process, you’ll know exactly what’s happening and what to expect next.

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Loan Modification Lawyer Queens

Complete Foreclosure Defense and Loan Solutions

You get full legal representation from start to finish. We handle all court appearances, negotiate with your lender, and keep you informed every step of the way.

Our services include challenging foreclosure procedures, negotiating loan modifications, exploring refinancing options, and when necessary, guiding you through alternatives like short sales. We also coordinate with housing counselors and financial advisors to strengthen your case.

For Hunters Point residents, we understand the unique challenges of Queens County real estate values and local economic conditions. Your case gets personalized attention based on your specific situation and goals.

How quickly can you stop my foreclosure proceedings in Queens County?

We can typically file the necessary paperwork to halt foreclosure proceedings within 24-48 hours of retaining our services. Once we file an answer to the foreclosure complaint or motion for emergency relief, the automatic stay goes into effect, stopping the foreclosure sale. However, timing depends on where you are in the foreclosure process. If you’ve already received a notice of sale, we need to act immediately. The earlier you contact us after receiving foreclosure papers, the more options we have available to protect your home.

What are my chances of getting a loan modification in New York?

Your chances depend on several factors including your current income, the reason for your financial hardship, and how much you owe versus your home’s value. In New York, lenders are often willing to modify loans rather than complete foreclosure proceedings, especially if you can demonstrate stable income and ability to make modified payments. We’ve successfully negotiated loan modifications that reduced monthly payments by 20-40% for many clients. The key is presenting a complete financial picture and hardship documentation that shows your situation has stabilized enough to maintain modified payments going forward.

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

Yes, being behind on payments doesn’t automatically mean you’ll lose your home. We have multiple strategies depending on how far behind you are and your current financial situation. Options include loan modifications that roll past-due amounts into the loan balance, payment plans to catch up over time, or refinancing if you have sufficient equity. Even if you’re several months behind, lenders often prefer working out a solution rather than completing foreclosure. The important thing is acting quickly once you receive foreclosure papers, as your options become more limited as the case progresses through the court system.

How much does foreclosure defense cost and do you offer payment plans?

Our foreclosure defense fees vary based on case complexity, but we offer flexible payment arrangements because we understand you’re facing financial difficulties. Many clients start with a retainer that covers initial emergency filings to stop the foreclosure, then make additional payments as the case progresses. We’re transparent about all costs upfront and work with your budget. Remember that the cost of legal representation is typically much less than losing your home’s equity or having to relocate your family. We also offer free initial consultations to review your case and explain all costs before you make any commitment.

What happens if the bank has already scheduled a foreclosure sale date?

A scheduled sale date doesn’t mean it’s too late, but we need to act immediately. We can file emergency motions to postpone or cancel the sale while we address the underlying foreclosure case. New York law provides several grounds for stopping foreclosure sales, including improper notice, procedural errors, or pending loan modification applications. Even if a sale has occurred, there may be options to challenge it if proper procedures weren’t followed. The key is contacting us as soon as possible – ideally before the sale date, but even afterward we can review whether the sale was conducted properly under New York foreclosure law.

Will fighting foreclosure hurt my credit score even more?

Actually, successfully defending against foreclosure or obtaining a loan modification typically helps your credit compared to letting foreclosure proceed. A completed foreclosure stays on your credit report for seven years and can drop your score by 200+ points. In contrast, a loan modification shows as “paying as agreed” under new terms, and successfully stopping foreclosure prevents that major negative mark. While missed payments already on your credit report won’t disappear, preventing foreclosure stops additional damage and starts your credit recovery sooner. Many of our clients see credit score improvements within 6-12 months after resolving their foreclosure case through modification or other workout agreements.

Local Resources

Hunters Point, NY is located in Queens County in New York State