Foreclosure Lawyer in San Remo, NY

Stop Foreclosure and Save Your Home

Immediate legal defense to protect your property and explore every option to keep your family housed.

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Foreclosure Defense Attorney San Remo

What You Get When We Step In

You get breathing room. The constant worry about losing your home doesn’t disappear overnight, but the immediate legal pressure does.

We file the necessary paperwork to challenge the foreclosure process, which typically stops or significantly delays the proceedings. This gives you time to explore loan modifications, negotiate with your lender, or reorganize your finances without the sheriff showing up at your door.

Most importantly, you get someone who knows exactly how foreclosure works in New York. The banks have lawyers who do this every day. Now you do too. We review every document in your case, identify any procedural errors or violations, and use New York’s foreclosure laws to protect your interests.

San Remo Foreclosure Defense Lawyers

We Know New York Foreclosure Law

The Frank Law Firm P.C. has defended homeowners throughout San Remo and the surrounding New York area for years. We’ve seen every type of foreclosure case and know how lenders operate in this market.

We’re not a mill that processes hundreds of cases without personal attention. When you work with us, you get direct access to experienced attorneys who understand both the legal complexities and the personal stress you’re facing.

Our focus stays on results that matter to you: keeping your home when possible, negotiating better terms when needed, and protecting your financial future regardless of the outcome.

Stop Foreclosure Process San Remo

Here's How We Defend Your Case

First, we review your entire mortgage file and foreclosure documents. Most homeowners never see the paperwork their lender filed, but we examine every detail. We’re looking for procedural errors, missing documents, or violations of your rights that can strengthen your defense.

Next, we file an answer to the foreclosure complaint if you haven’t already. This formally challenges the foreclosure and typically stops any immediate sale of your property. We also begin negotiations with your lender’s attorneys to explore alternatives like loan modifications or payment plans.

Throughout the process, we keep you informed about what’s happening and what options remain available. If your case goes to court, we represent you at every hearing. If we can negotiate a settlement that works for your situation, we handle those discussions too.

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Loan Modification Lawyer San Remo

Complete Foreclosure Defense and Alternatives

Our foreclosure defense includes challenging the legal basis for the foreclosure, negotiating directly with lenders, and exploring every alternative that might save your home. We handle loan modification applications, which can permanently reduce your monthly payments or extend your loan terms.

When foreclosure can’t be stopped, we help you explore controlled alternatives like short sales or deeds-in-lieu of foreclosure. These options can minimize the damage to your credit and sometimes provide relocation assistance.

We also coordinate with bankruptcy options when they make sense for your overall financial situation. Chapter 13 bankruptcy can stop foreclosure immediately and give you up to five years to catch up on missed payments while keeping your home.

How quickly can you stop a foreclosure in San Remo?

We can typically stop or delay foreclosure within days of being retained, depending on where your case stands. If you haven’t been served with foreclosure papers yet, we have more options and time to work with. If a foreclosure sale is already scheduled, we need to act immediately – sometimes within 24-48 hours. The key is contacting us as soon as you receive any foreclosure notices. New York’s foreclosure process can take months or even years, but certain deadlines are absolute. Once we review your situation, we’ll give you a realistic timeline for what we can accomplish and when we need to take specific actions.

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

Your chances depend on your current income, the reason you fell behind, and your lender’s specific programs. Generally, if you can demonstrate stable income that covers a modified payment, you have a reasonable shot at approval. We’ve seen approval rates improve significantly when homeowners have legal representation during the modification process. Lenders take applications more seriously when they come through an attorney, and we know how to present your financial information in the strongest possible way. We also know which documentation lenders actually require versus what they initially request. The process typically takes 3-6 months, and we handle all communication with your lender during that time.

Will filing for bankruptcy stop my foreclosure permanently?

Bankruptcy stops foreclosure immediately through something called the automatic stay, but whether it’s permanent depends on the type of bankruptcy and your ability to catch up on payments. Chapter 13 bankruptcy can be very effective for saving homes because it gives you 3-5 years to catch up on missed mortgage payments while keeping current payments manageable. Chapter 7 bankruptcy stops foreclosure temporarily but doesn’t provide a long-term solution for keeping your home unless you can quickly catch up on missed payments. We evaluate whether bankruptcy makes sense for your overall financial picture, not just the foreclosure. Sometimes it’s the best option, sometimes foreclosure defense alone is more appropriate.

How much does foreclosure defense cost in San Remo?

Our fees vary based on the complexity of your case and how much work is required, but we understand you’re already facing financial difficulties. We offer payment plans and work with clients to structure fees in a way that makes sense for their situation. Many foreclosure defense cases can be handled for a few thousand dollars total, often paid over time. We’re transparent about costs upfront – no surprises or hidden fees. The consultation is free, and we’ll give you a clear estimate of what your case will cost before you decide to proceed. Remember that successful foreclosure defense or loan modification can save you tens of thousands of dollars compared to losing your home.

What happens if we can't save my home from foreclosure?

If keeping your home isn’t possible, we focus on minimizing the financial damage and helping you transition on your terms rather than the bank’s timeline. We can negotiate short sales, which often result in less credit damage than completed foreclosures. We also explore deeds-in-lieu of foreclosure, where you voluntarily transfer the property to the lender in exchange for debt forgiveness and sometimes relocation assistance. Even in unsuccessful cases, our defense work often extends the timeline, giving you more time to find alternative housing and plan your next steps. We also review whether you might have claims against your lender for damages, which can provide additional compensation.

Do I have to go to court for my foreclosure case?

Not necessarily. Many foreclosure cases are resolved through negotiations without ever going to trial. However, you should expect to attend some court appearances, especially early in the process. New York requires foreclosure cases to go through settlement conferences, where you’ll meet with your lender’s representative and a court referee to discuss alternatives to foreclosure. We handle all the legal arguments and paperwork, but your presence is usually required because you’re the homeowner making decisions about your property. If your case does go to trial, we represent you throughout the process. Most of our clients find the court appearances less stressful than expected because we prepare them for what to expect and handle all the legal complexities.

Local Resources

San Remo, NY is located in Suffolk County in New York State