Foreclosure Lawyer in Lefrak City, NY

Stop Foreclosure Before It's Too Late

Expert foreclosure defense protecting Lefrak City families from losing their homes through proven legal strategies.

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Stop Foreclosure Defense Attorney

Keep Your Family in Your Home

You’re not just fighting paperwork. You’re fighting for your family’s future, your children’s stability, and the place you call home.

When foreclosure proceedings stop, the constant fear stops too. No more sleepless nights wondering where you’ll live next month. No more avoiding phone calls from the bank or hiding from neighbors who might have seen the legal notices.

The relief is immediate when you have a foreclosure defense attorney who knows exactly how to challenge lenders, negotiate loan modifications, and use New York’s judicial foreclosure process to your advantage. You get time to breathe, plan, and potentially save your home while your case moves through the legal system.

Lefrak City Foreclosure Defense Lawyers

We Know New York Foreclosure Law

We at The Frank Law Firm P.C. have been defending homeowners throughout Queens and the surrounding areas for years. We understand that foreclosure isn’t just a legal problem—it’s a family crisis that requires immediate, knowledgeable action.

Our practice focuses specifically on foreclosure defense, loan modifications, and helping families navigate the complex legal system when their homes are at risk. We’ve seen every type of foreclosure case that comes through New York courts, and we know which strategies work.

You’re not getting a general practice attorney who dabbles in foreclosure. You’re getting lawyers who wake up every day focused on one thing: keeping families in their homes.

Foreclosure Defense Process NY

Here's How We Stop Foreclosure

First, we review your entire case—every document, every notice, every communication with your lender. Most homeowners don’t realize that lenders make mistakes, and those mistakes can be grounds for challenging the foreclosure.

Next, we file the necessary legal documents to halt the foreclosure proceedings. This gives you immediate breathing room while we develop your defense strategy. In New York, you have rights that many homeowners don’t know about.

Then we negotiate. Whether that’s a loan modification to reduce your payments, a repayment plan to catch up on missed payments, or exploring bankruptcy options that can provide long-term protection. We handle all communication with your lender so you can focus on getting your finances back on track.

Throughout the process, we keep you informed about what’s happening with your case and what to expect next. No legal jargon, no surprises—just clear communication about your options and the best path forward.

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Mortgage Foreclosure Attorney Services

Complete Foreclosure Defense and Prevention

When you work with us, you get comprehensive foreclosure defense that addresses every aspect of your case. We challenge improper foreclosure procedures, negotiate directly with lenders for loan modifications, and represent you in court if necessary.

Many Lefrak City homeowners don’t realize they have options beyond just paying or losing their home. We explore every possibility—from loan modifications that can permanently reduce your payments to bankruptcy options that provide long-term financial protection while keeping you in your home.

We also handle the paperwork, court filings, and legal deadlines that can be overwhelming when you’re already dealing with financial stress. You get a dedicated legal team that understands New York foreclosure law and has experience with the specific challenges that Queens homeowners face.

Our goal isn’t just to delay the inevitable. It’s to find a real solution that lets you keep your home or, if that’s not possible, to ensure you have time to transition on your terms rather than the bank’s timeline.

How quickly can you stop a foreclosure that's already started?

We can often halt foreclosure proceedings within days of being retained, depending on where your case stands in the legal process. The key is acting fast—New York’s judicial foreclosure process gives us several opportunities to intervene, but timing matters. Once we file the appropriate legal documents and responses, the foreclosure typically cannot proceed until the court addresses our motions. If your home is scheduled for auction, we can usually get an emergency stay to stop the sale while we develop your defense strategy. The sooner you contact us after receiving foreclosure notices, the more options we have available to protect your home.

What's the difference between loan modification and foreclosure defense?

Loan modification involves negotiating with your lender to permanently change your mortgage terms—typically reducing your monthly payment, lowering your interest rate, or extending your loan term. Foreclosure defense is the legal process of challenging the foreclosure itself in court. Often, we use both strategies together. While we’re defending against the foreclosure in court, we’re simultaneously negotiating with your lender for a modification that makes your mortgage affordable long-term. Foreclosure defense buys us time and leverage to negotiate better modification terms. Many homeowners who couldn’t get their lender to consider a modification suddenly find them willing to negotiate once legal proceedings begin.

Can bankruptcy stop foreclosure, and should I consider it?

Yes, filing for bankruptcy immediately stops all foreclosure proceedings through what’s called an “automatic stay.” Chapter 13 bankruptcy is particularly effective for homeowners because it allows you to catch up on missed mortgage payments over 3-5 years while keeping your home. Chapter 7 can also halt foreclosure temporarily and eliminate other debts, freeing up money for your mortgage. However, bankruptcy isn’t right for everyone, and it has long-term credit implications. We evaluate your complete financial situation to determine if bankruptcy makes sense or if other foreclosure defense strategies would be more effective. Sometimes the threat of bankruptcy alone gives us negotiating leverage with lenders.

How long does the foreclosure process take in New York?

New York’s judicial foreclosure process typically takes 14-18 months from the first missed payment to actual foreclosure sale, but it can take longer if the case is contested. This timeline works in your favor because it gives us substantial time to develop defense strategies and negotiate with your lender. The process includes a mandatory 90-day pre-foreclosure notice period, court filings, potential settlement conferences, and multiple opportunities for you to catch up on payments or negotiate modifications. If we actively defend your case, we can often extend this timeline significantly while working toward a permanent solution. Every case is different, but New York’s process is much slower than non-judicial foreclosure states.

What documents do I need to bring for a foreclosure consultation?

Bring all foreclosure-related documents you’ve received, including the initial default notice, any court papers, and correspondence from your lender or their attorneys. We also need your original mortgage documents, recent mortgage statements, and any loan modification applications you may have submitted. Financial documents like pay stubs, tax returns, and bank statements help us understand your situation and negotiate realistic solutions. Don’t worry if you don’t have everything—we can obtain missing documents during the legal process. The most important thing is to schedule the consultation quickly after receiving foreclosure notices, even if you don’t have all paperwork organized yet.

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

Foreclosure defense fees vary depending on the complexity of your case and which strategies we employ. We offer transparent pricing with no hidden costs, and yes, we provide payment plans because we understand you’re already facing financial pressure. Many clients find that the money saved through loan modifications or the extra time gained through foreclosure defense more than covers our fees. We also offer free initial consultations to evaluate your case and explain all costs upfront. Some clients qualify for emergency legal aid or other assistance programs. Our goal is to make quality legal representation accessible when you need it most, not to add financial stress to an already difficult situation.

Local Resources

Lefrak City, NY is located in Queens County in New York State