Foreclosure Lawyer in Setauket-East Setauket, NY

Stop Your Foreclosure Before It's Too Late

Protect your home equity and family stability with aggressive foreclosure defense that actually works.

A judge sits at a desk, immersing themselves in a document. In the foreground, a wooden gavel and a small model of a house rest on the table, symbolizing real estate law or legal issues where a foreclosure attorney might be involved.

Hear from Our Customers

A person in a suit signs a document at a desk, where a small wooden house model, scales of justice, and a judge's gavel signify real estate law or civil litigation. Sunlight filters through the window, casting light on the legal proceedings.

Stop Foreclosure Setauket-East Setauket

Keep Your Home and Your Peace of Mind

You’re not just fighting to keep a roof over your head. You’re protecting years of equity, your family’s stability, and your financial future.

When foreclosure proceedings stop, the immediate pressure lifts. No more sleepless nights wondering if you’ll lose everything. No more avoiding phone calls from your lender or worrying about sheriff’s notices.

Instead, you get breathing room to explore real solutions. Loan modifications that actually reduce your payments. Repayment plans that fit your current income. Sometimes even principal reductions that make your mortgage manageable again. The key is acting fast enough to have options, and knowing which legal strategies actually work in Suffolk County courts.

Foreclosure Defense Attorney Setauket

We Know How to Beat Foreclosures

The Frank Law Firm P.C. has been defending Long Island homeowners against foreclosure for years. We understand Suffolk County’s court procedures, know which judges require specific documentation, and have relationships with local lenders that matter when negotiating modifications.

You won’t get shuffled to a paralegal or junior associate. When you’re facing foreclosure, you need an experienced attorney who returns calls and knows exactly what paperwork to file when. We’ve seen every foreclosure defense strategy that works—and plenty that don’t.

Most importantly, we understand what losing your home means to your family. This isn’t just another legal case to us.

Two people are shaking hands over a wooden table with papers and a small house model on it, symbolizing an agreement rooted in Real Estate Law. One person wears a red blazer, the other a blue shirt. A pen and document are visible as sunlight streams in from the background.

Foreclosure Help Lawyer Process

Here's Exactly What Happens Next

First, we review your foreclosure paperwork and mortgage documents. Many foreclosures can be challenged on procedural grounds—missing signatures, improper notices, or documentation errors that invalidate the entire proceeding.

Next, we file the appropriate motions to stop the foreclosure process immediately. This gives us time to negotiate with your lender from a position of strength rather than desperation. We handle all communication with the bank so you can focus on getting your finances stabilized.

Then we explore every available option: loan modifications, repayment plans, short sales if necessary, or even bankruptcy protection if that’s the best path forward. We’ll walk you through each option’s pros and cons so you can make informed decisions about your home and your future.

Throughout the process, you’ll know exactly where things stand and what to expect next. No legal jargon, no surprises—just clear communication about your case.

A wooden gavel rests on a closed dark green book placed on a wooden surface, symbolizing the authority of litigation. Beside the gavel is a small wooden cutout of a house, evoking themes of Real Estate Law.

Ready to get started?

Explore More Services

About Frank Law Firm, P.C.

Get a Free Consultation

Mortgage Foreclosure Attorney Services

Complete Foreclosure Defense and Loan Help

You get full foreclosure defense representation, not just document review. We file all necessary court papers, appear at hearings, and negotiate directly with your lender’s attorneys. If your case goes to trial, we’re prepared to challenge every aspect of their foreclosure claim.

Loan modification assistance is included when it makes sense for your situation. We know which programs different lenders offer, what documentation they actually require, and how to present your financial hardship in the strongest possible light. Many homeowners get denied for modifications simply because they didn’t know how to apply properly.

We also handle the stress of dealing with your mortgage company. No more hours on hold with customer service representatives who can’t help you. No more confusing letters demanding payments you can’t afford. We become your advocate and handle these communications so you can focus on moving forward.

A person in business attire holds a calculator, pointing towards it with a pen, embodying the focus of a foreclosure attorney. On the desk are two small model houses, a laptop, and a clipboard with paper. The brightly lit room with large windows underscores their expertise in Real Estate Law.
We can typically file emergency motions within 24-48 hours of reviewing your case, which immediately halts the foreclosure process. The key is getting us your paperwork as soon as possible. Once we file the appropriate motions with Suffolk County Supreme Court, the foreclosure sale cannot proceed until the court resolves our challenges. This gives us weeks or months to negotiate a permanent solution with your lender. However, timing is critical—the closer you are to a scheduled foreclosure sale, the more limited our options become for stopping it.
Your approval odds depend on several factors: your current income, the reason for your financial hardship, and how much you owe versus your home’s value. Generally, if you can demonstrate stable income that covers a modified payment (usually around 31% of gross monthly income), you have a strong chance. We’ve successfully negotiated modifications that reduced payments by $500-1500 per month for Setauket-East Setauket homeowners. The key is presenting your financial information correctly and knowing which programs your specific lender offers. Many homeowners get denied simply because they applied for the wrong program or didn’t provide documentation in the format the lender requires.
Fighting foreclosure actually protects your credit compared to letting it proceed. A completed foreclosure drops your credit score 200-300 points and stays on your report for seven years. By contrast, negotiating a loan modification or repayment plan typically results in much less credit damage. If we can get your loan modified and payments current, your credit score will start recovering within months instead of years. Even if we negotiate a short sale as a last resort, the credit impact is significantly less than a foreclosure. The worst thing you can do for your credit is nothing—letting the foreclosure proceed without any legal defense.
Legal fees for foreclosure defense typically range from $2,500-5,000, depending on case complexity. Compare that to losing potentially hundreds of thousands in home equity. Most Setauket-East Setauket homes have substantial equity that gets wiped out in foreclosure. We also offer payment plans because we understand you’re facing financial hardship. Many clients save their homes and end up with lower monthly payments through loan modifications, making the legal investment pay for itself within months. The real question isn’t what defense costs—it’s what losing your home costs your family’s financial future and stability.
Lender rejections are often based on incomplete applications, missing documentation, or applying for the wrong program. We regularly overturn these denials by resubmitting applications with proper documentation and legal pressure. Banks make mistakes, use outdated financial information, or apply wrong criteria when reviewing modifications. Having an attorney resubmit your application signals to the lender that you’re serious about fighting the foreclosure, which often leads to more reasonable negotiations. We also know which lenders have internal appeal processes and how to navigate them effectively. A rejection isn’t final—it’s often just the starting point for real negotiations.
Absolutely, and this is actually the best time to get help. Once you’re 90+ days behind, foreclosure proceedings typically start within 30-60 days in New York. Acting before foreclosure papers are filed gives us maximum leverage to negotiate with your lender. We can often arrange forbearance agreements, repayment plans, or loan modifications without the pressure of active foreclosure proceedings. Early intervention also means more options and better terms. Many homeowners wait until they receive foreclosure papers, but by then the lender has already spent money on legal fees and is less willing to negotiate. Contact us as soon as you realize you can’t make your mortgage payments long-term.

Do you need professional legal assistance?