Foreclosure Lawyer in Uniondale, NY

Stop Your Foreclosure Before It's Too Late

Get immediate legal protection and explore every option to save your home with an experienced foreclosure lawyer.

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Stop Foreclosure Proceedings Uniondale

Keep Your Home and Your Peace of Mind

You don’t have to lose your home just because you’ve fallen behind on payments. When you work with an experienced foreclosure defense attorney, you get immediate protection from foreclosure proceedings and time to explore your options.

Most homeowners don’t realize they have legal rights that can stop or delay foreclosure. Lenders must follow specific procedures, and when they don’t, you have grounds to challenge the foreclosure in court.

The right legal strategy can help you negotiate a loan modification that reduces your monthly payments, challenge improper foreclosure procedures, or find alternative solutions that let you keep your home. You’re not powerless in this situation, even when it feels like you are.

Foreclosure Defense Attorney Uniondale

We Know Nassau County Foreclosure Law

The Frank Law Firm P.C. has been helping Uniondale homeowners fight foreclosure and save their homes for years. We understand Nassau County foreclosure procedures and know how to challenge lenders who cut corners or violate your rights.

When you’re facing foreclosure, you need someone who knows the local courts, understands New York foreclosure law, and has experience negotiating with major lenders and servicers. We’ve seen every type of foreclosure situation and know which strategies work.

You’re dealing with one of the most stressful situations a homeowner can face. We handle the legal complexity so you can focus on getting your finances back on track.

Foreclosure Help Process Uniondale

Here's How We Stop Your Foreclosure

First, we review your foreclosure documents and mortgage file to identify any procedural errors or violations of your rights. Many foreclosures have documentation problems that can be challenged in court.

Next, we file the appropriate legal responses to stop the foreclosure proceedings and buy you time. This might include challenging the foreclosure in court, filing for bankruptcy protection, or negotiating directly with your lender.

Then we work on a long-term solution. This could be a loan modification that reduces your payments, a repayment plan to catch up on missed payments, or alternative options like a short sale if keeping the home isn’t realistic.

Throughout the process, we handle all communication with your lender and keep you informed about deadlines, court dates, and your options. You’ll know exactly where you stand and what to expect next.

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Mortgage Foreclosure Attorney Services

Complete Foreclosure Defense and Loan Modification Services

We handle every aspect of foreclosure defense, from challenging improper procedures to negotiating loan modifications with your lender. Our services include reviewing foreclosure documents for errors, filing legal responses to stop foreclosure proceedings, and representing you in Nassau County court.

Many Uniondale homeowners don’t realize that lenders frequently make mistakes in foreclosure cases. Missing assignments, improper notices, and documentation errors can all be grounds to challenge the foreclosure. We know what to look for and how to use these errors to protect your home.

We also negotiate directly with lenders for loan modifications, repayment plans, and other alternatives to foreclosure. Banks often prefer to modify loans rather than go through expensive foreclosure proceedings, but they won’t offer their best terms unless you have experienced legal representation pushing for a fair deal.

Can you really stop a foreclosure that's already started?

Yes, foreclosures can often be stopped even after they’ve begun. New York is a judicial foreclosure state, which means lenders must go through the court system. This gives us multiple opportunities to challenge the foreclosure, negotiate with the lender, or file for bankruptcy protection if necessary. The key is acting quickly once you receive foreclosure papers. Even if your home is scheduled for auction, there are often legal strategies available to stop the sale and give you time to work out a solution.

How long does the foreclosure process take in New York?

New York foreclosures typically take 12-18 months from the first missed payment to the foreclosure auction. The process includes a 90-day pre-foreclosure notice period, followed by the lender filing a lawsuit, serving you with papers, and going through court proceedings. This timeline can be extended significantly if you challenge the foreclosure or negotiate with the lender. Having legal representation often adds months to the process, giving you more time to catch up on payments or find alternative solutions.

What's the difference between loan modification and refinancing?

A loan modification changes the terms of your existing mortgage without replacing it. This might include reducing your interest rate, extending the loan term, or even reducing the principal balance in some cases. Refinancing replaces your current mortgage with a new loan, usually requiring good credit and income verification. When you’re behind on payments or facing foreclosure, loan modification is typically the only realistic option since you won’t qualify for refinancing. Modifications are specifically designed for homeowners experiencing financial hardship.

Will hiring a foreclosure lawyer make my lender angry and hurt my chances?

No, having legal representation actually improves your chances of getting a favorable outcome. Lenders deal with attorneys every day and often take homeowners more seriously when they’re represented. Banks have their own legal teams, so having your own attorney levels the playing field. We know how to communicate with lenders professionally and understand what documentation they require for loan modifications. Many of our clients get better modification terms than they would have received on their own because we know how to present their case effectively.

How much does foreclosure defense cost and can I afford it?

Our fees vary depending on your specific situation, but we offer payment plans and work with homeowners facing financial difficulties. Many clients find that the money they save through loan modifications or the additional time they get to stay in their home more than covers our fees. We’re transparent about costs upfront and will explain exactly what services you’re paying for. Some foreclosure defense work can also be handled on a flat fee basis, so you know your total cost from the beginning.

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

Even if keeping your home isn’t possible, we can still help you get the best possible outcome. This might include negotiating a short sale that protects your credit, arranging a deed in lieu of foreclosure, or ensuring you get maximum time to find new housing. We also make sure you’re not stuck with a deficiency judgment for any remaining mortgage balance after foreclosure. Sometimes the best strategy is helping you transition out of the home on your terms rather than the bank’s terms, which can save you thousands of dollars and protect your financial future.

Local Resources

Uniondale, NY is located in Nassau County in New York State