Foreclosure Lawyer in Selden, NY

Stop Foreclosure Before It's Too Late

Your home doesn’t have to be lost – even if you’ve received foreclosure papers.

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Stop Foreclosure Selden NY

Keep Your Family in Your Home

You’re not just fighting for a house. You’re fighting for your children’s stability, your neighborhood connections, and the life you’ve built.

When foreclosure threatens, you have more options than you realize. New York’s judicial foreclosure process gives you time and legal protections that many homeowners don’t know exist. You can challenge improper procedures, negotiate new payment terms, or buy yourself months to get back on your feet.

The key is acting fast. Every day you wait, your options shrink. But with the right foreclosure defense strategy, you can often stop the process entirely and work out a solution that keeps you in your home with payments you can actually afford.

Foreclosure Defense Attorney Selden

We Know How Foreclosure Really Works

The Frank Law Firm P.C. has spent years defending Long Island homeowners against foreclosure. We understand the local courts, the common tactics mortgage servicers use, and exactly how to fight back effectively.

We’ve seen families who thought they had no options end up staying in their homes with lower payments. We’ve caught banks making procedural errors that invalidated entire foreclosure cases. Most importantly, we’ve helped people who felt completely powerless take control of their situation.

This isn’t about giving you false hope. It’s about giving you real options based on New York law and our experience with these cases right here in Suffolk County.

Foreclosure Help Lawyer Process

Here's Exactly What We Do

First, we review your foreclosure papers 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 completely.

Next, we file the appropriate responses with the court to halt the foreclosure proceedings. This immediately buys you time and forces the lender to prove their case properly. Meanwhile, we start negotiating directly with your mortgage servicer for a loan modification or other workout solution.

Throughout the process, we keep you informed about what’s happening and what to expect next. No legal jargon, no surprises. You’ll know exactly where your case stands and what your realistic options are at every step.

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Mortgage Foreclosure Attorney Services

Complete Foreclosure Defense and Solutions

We handle every aspect of foreclosure defense, from challenging the initial filing to negotiating final settlements. This includes reviewing all mortgage documentation, filing court responses, attending hearings, and directly negotiating with lenders and servicers.

Our loan modification services focus on getting you payments you can actually afford long-term. We know what mortgage companies are willing to accept and how to present your financial situation in the strongest possible light.

When foreclosure isn’t preventable, we help you explore alternatives like short sales or deed in lieu arrangements that protect your credit and give you a fresh start. The goal is always to minimize the damage and preserve as many options as possible for your future.

How quickly can you stop a foreclosure once it's started?

We can often halt foreclosure proceedings within days of being retained by filing the appropriate court responses. In New York, you typically have 20-30 days to respond to foreclosure papers, but even if that deadline has passed, there are still options available. The key is acting immediately once you decide to fight the foreclosure. Every day matters, and the sooner we can get involved, the more options we have to protect your home and negotiate with your lender.

What if I'm already behind on several mortgage payments?

Being behind on payments doesn’t mean foreclosure is inevitable. Many of our successful cases involve homeowners who were months behind. Lenders often prefer loan modifications over foreclosure because foreclosure is expensive and time-consuming for them too. We can negotiate payment plans, loan modifications, or forbearance agreements that bring your account current over time. The amount you owe isn’t as important as your ability to make realistic future payments and whether we can identify any errors in how the foreclosure was initiated.

How much does foreclosure defense cost compared to losing my home?

Foreclosure defense is typically a fraction of what you’d lose if foreclosure proceeds. Consider that you’ll lose all equity in your home, face potential deficiency judgments, and deal with credit damage that affects your housing options for years. Our fees are structured to be manageable for families already facing financial stress, and we offer payment plans when possible. Most importantly, successful foreclosure defense often results in lower monthly payments going forward, which can save you hundreds or thousands of dollars every month for the life of your loan.

Can you really get my mortgage payments lowered permanently?

Yes, loan modifications can permanently reduce your monthly payments through several methods: lowering your interest rate, extending your loan term, or even reducing the principal balance in some cases. The key is demonstrating financial hardship and your ability to make modified payments consistently. We prepare comprehensive modification applications that present your situation in the strongest possible light and negotiate directly with servicers who often deny homeowners who apply on their own. Success depends on your specific financial situation and your lender’s modification programs.

What happens if we can't stop the foreclosure completely?

Even when foreclosure can’t be prevented entirely, we can often negotiate alternatives that are much better than losing your home at auction. Short sales allow you to sell for less than you owe without owing the difference. Deed in lieu arrangements let you transfer the property back to the lender voluntarily, often with relocation assistance. These options typically result in less credit damage than completed foreclosure and may eliminate deficiency liability. We also use the foreclosure defense process to buy you time to explore these alternatives properly.

Do I have any rights if the bank made errors in my foreclosure case?

Absolutely. Banks must follow strict procedures to foreclose in New York, and violations of these procedures can invalidate the entire case. Common errors include improper notice, missing documentation, robo-signing, and failure to comply with loss mitigation requirements. We thoroughly review every foreclosure case for procedural violations and use any errors we find as leverage in negotiations or grounds to dismiss the case entirely. Many homeowners don’t realize that the burden is on the bank to prove they have the right to foreclose and that they followed all required procedures correctly.

Local Resources

Selden, NY is located in Suffolk County in New York State