In New York, we can typically file legal responses within days of being retained, which immediately stops the foreclosure timeline. New York uses a judicial foreclosure process, meaning lenders must go through the court system, giving us multiple opportunities to intervene. Once we file your answer and any counterclaims, the lender cannot proceed with the foreclosure sale until the court resolves all legal issues. This process often takes months or even years, providing substantial time to negotiate loan modifications or other solutions.