Foreclosure Lawyer in Rivers Edge, NY

Stop Foreclosure Before It's Too Late

Get the legal defense you need to protect your home and explore every available option.

Hear from Our Customers

Foreclosure Defense Attorney Services

Keep Your Home and Your Peace of Mind

When you’re facing foreclosure, you’re not just fighting for a house. You’re fighting for your family’s stability, your children’s schools, your neighborhood connections, and the place where you’ve built your life.

Our foreclosure defense gives you breathing room to explore real solutions. We challenge improper procedures, negotiate with lenders, and buy you the time you need to get back on your feet. Many of our clients keep their homes through loan modifications that reduce their monthly payments to manageable levels.

Others find dignified exit strategies that protect their credit and give them a fresh start. Either way, you’re not facing this alone anymore, and you’re not making decisions from a place of panic.

Rivers Edge Foreclosure Attorney

We Know New York Foreclosure Law

The Frank Law Firm P.C. has been defending homeowners throughout Rivers Edge and the surrounding New York area for years. We understand how foreclosure works in New York’s judicial system, and more importantly, we understand what you’re going through.

Foreclosure defense isn’t just about legal procedures. It’s about real people facing the worst financial crisis of their lives. We’ve seen families keep their homes when they thought all hope was lost, and we’ve helped others transition with dignity when staying wasn’t possible.

Our focus stays on your specific situation, your goals, and the realistic options available to you right now.

Stop Foreclosure Process

Here's What Happens When You Call

First, we review your foreclosure notice and mortgage documents to understand exactly where you stand. We look for procedural errors, improper documentation, or violations of your rights that could strengthen your defense.

Next, we file the necessary legal responses to stop the foreclosure clock and protect your position. This gives us time to negotiate with your lender for a loan modification, payment plan, or other solution that works for your current financial situation.

Throughout the process, we keep you informed about what’s happening, what to expect next, and what decisions you need to make. You’ll never wonder where your case stands or what your options are.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Mortgage Foreclosure Attorney Options

Every Defense Strategy We Use

We challenge foreclosures on multiple fronts. If your lender failed to follow proper procedures, we use that to your advantage. If they can’t produce the right documentation, we make them prove they have the right to foreclose. If you qualify for loan modification programs, we negotiate aggressively on your behalf.

Many Rivers Edge homeowners don’t realize they have rights during foreclosure proceedings. Lenders must follow specific timelines, provide proper notices, and prove they own your mortgage. When they don’t, we hold them accountable.

We also explore alternatives like short sales or deed-in-lieu arrangements when keeping the home isn’t realistic. These options can protect your credit and help you avoid the long-term consequences of foreclosure.

How long do I have to respond to a foreclosure notice in New York?

In New York, you typically have 20-30 days to respond to a foreclosure summons and complaint, depending on how you were served. However, this timeline is critical, and missing it can severely limit your defense options. The moment you receive foreclosure papers, you should contact an attorney immediately. Even if you think you’re past the deadline, there may still be options available. New York’s judicial foreclosure process gives homeowners more opportunities to defend themselves compared to other states, but only if you act quickly and properly respond to the legal proceedings.

Can a foreclosure lawyer really stop the foreclosure process completely?

Yes, in many cases we can stop or significantly delay foreclosure proceedings, especially when lenders haven’t followed proper procedures or lack proper documentation. We file legal responses that force the lender to prove their case in court, which often reveals errors in their process. Additionally, we can negotiate loan modifications, payment plans, or other alternatives that allow you to keep your home. Even when stopping foreclosure permanently isn’t possible, we typically buy you valuable time to explore options and make informed decisions about your future, rather than losing your home in a rushed process.

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

Foreclosure defense is the legal process of challenging the foreclosure lawsuit in court, while loan modification is negotiating new terms for your existing mortgage. We often use both strategies together for the best results. Foreclosure defense buys you time and protects your legal rights while we simultaneously negotiate with your lender for a loan modification that reduces your monthly payments, extends your loan term, or even reduces your principal balance. Many homeowners try to get loan modifications on their own, but having legal representation during foreclosure proceedings gives you much more leverage in these negotiations.

How much does it cost to hire a foreclosure defense attorney?

Our fees vary depending on your specific situation, but we understand you’re facing financial hardship. We offer flexible payment arrangements and will discuss all costs upfront during your free consultation. Many clients find that the money spent on legal defense saves them thousands in the long run by helping them keep their home or negotiate better terms. We also look for cases where the lender has made errors that could result in them paying your attorney fees. The cost of losing your home through foreclosure – including moving expenses, rental deposits, and credit damage – typically far exceeds the cost of proper legal defense.

What happens if my house is already scheduled for foreclosure auction?

Even if your home is scheduled for auction, you may still have options, but time is critical. We can file emergency motions to postpone the sale while we review your case for legal defenses or negotiate with the lender. New York law provides several opportunities to stop a foreclosure sale, including finding procedural errors, negotiating last-minute modifications, or filing bankruptcy if appropriate. However, the closer you get to the auction date, the fewer options you have. If you’re facing an imminent foreclosure sale, contact us immediately – even the day before the auction, there may still be legal remedies available.

Will fighting foreclosure hurt my credit score even more?

Fighting foreclosure typically doesn’t hurt your credit any more than the foreclosure itself would, and successful defense can actually protect your credit long-term. The missed mortgage payments have already impacted your credit, but a completed foreclosure is much more damaging and stays on your credit report for seven years. If we can help you get a loan modification or work out a payment plan, you can start rebuilding your credit immediately. Even if we negotiate a short sale or deed-in-lieu arrangement, these alternatives are less damaging to your credit than a foreclosure judgment. The key is taking action quickly rather than letting the foreclosure process run its course.

Local Resources

Rivers Edge, NY is located in Bronx County in New York State