Foreclosure Lawyer in Westbury, NY

Stop Foreclosure Before It's Too Late

Experienced foreclosure defense when your home and family’s future are on the line.

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Stop Foreclosure in Westbury

Keep Your Home and Your Peace of Mind

You’re not just fighting for a house. You’re fighting for your children’s stability, your neighborhood connections, and years of memories you’ve built. When foreclosure threatens everything you’ve worked for, the right legal strategy can mean the difference between losing your home and finding a path forward.

Our foreclosure defense approach focuses on buying you time and exploring every available option. We challenge improper documentation, negotiate with lenders for realistic payment plans, and protect whatever equity you’ve built. Many homeowners don’t realize they have more options than they think.

The goal isn’t just to delay the inevitable. It’s to find a solution that actually works for your financial situation, whether that’s a loan modification that reduces your payments, a repayment plan that gets you current, or an exit strategy that protects your credit and your future.

Westbury Foreclosure Defense Attorney

We Know Nassau County Foreclosure Law

The Frank Law Firm P.C. has been defending homeowners against foreclosure in Nassau County for years. We understand how overwhelming the legal process feels when you’re already dealing with financial stress.

We’ve seen every type of foreclosure case that comes through Nassau County courts. From documentation errors that can stop a case entirely to lender mistakes that give us negotiating power. Each case is different, but the stress homeowners feel is always the same.

Our practice focuses on giving you straight answers about your situation. No false promises about guaranteed outcomes, but clear explanations of what’s possible and what it takes to get there.

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Foreclosure Defense Process Westbury

Here's How We Defend Your Case

First, we review every document in your foreclosure case. Lenders make mistakes more often than you’d expect, and those mistakes can be the foundation of your defense. We’re looking for improper notices, documentation gaps, or procedural errors that strengthen your position.

Next, we file the appropriate responses in Nassau County court to stop the clock on your case. This gives us time to negotiate with your lender from a position of strength rather than panic. Most homeowners try to handle these conversations themselves and end up agreeing to terms that don’t actually solve their problem.

While we’re defending the legal case, we’re also exploring loan modification options, repayment plans, or other alternatives that might work for your specific financial situation. Sometimes the best outcome isn’t keeping the house at all costs, but finding an exit strategy that protects your future ability to buy another home.

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Westbury Mortgage Foreclosure Attorney

Complete Foreclosure Defense and Loan Modification

Our foreclosure defense includes challenging the case in court, negotiating directly with your lender, and exploring every option to resolve your situation. We handle all court appearances, document filings, and lender communications so you can focus on getting your finances back on track.

Loan modification is often the best solution for homeowners who can afford a reduced payment but can’t catch up on missed payments. We know which lenders are most likely to approve modifications and how to present your case for the best possible terms.

For homeowners in Westbury and throughout Nassau County, we also handle short sales and deed-in-lieu arrangements when keeping the home isn’t realistic. These alternatives can help you avoid the full impact of foreclosure on your credit while giving you a fresh start.

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New York is a judicial foreclosure state, which means the process goes through the courts and typically takes 12-18 months from start to finish. However, this timeline can vary significantly based on court backlogs in Nassau County and whether you defend the case. If you don’t respond to the foreclosure lawsuit, the process moves much faster. If you hire an attorney to defend the case and explore alternatives, you often have more time to work out a solution with your lender.
Yes, receiving foreclosure papers is not the end of your options. In fact, this is often when homeowners have the most negotiating power because lenders prefer to avoid the time and expense of completing a foreclosure. Options include loan modification, repayment plans, refinancing, or even challenging the foreclosure case itself if there are legal defects. The key is acting quickly and understanding what alternatives are realistic for your financial situation.
Loan modification changes the terms of your existing mortgage – typically reducing the interest rate, extending the payment period, or adding missed payments to the end of the loan. You work directly with your current lender, and it’s often easier to qualify for when you’re already behind on payments. Refinancing means getting a completely new loan to pay off the old one, usually with better terms. However, refinancing requires good credit and income verification, which many homeowners facing foreclosure don’t have.
Legal fees for foreclosure defense vary depending on the complexity of your case and how long it takes to resolve. Many foreclosure attorneys offer payment plans or flat fee arrangements because we understand clients are already dealing with financial stress. The cost of legal representation is often much less than the equity you could lose by not defending the case. We discuss fees upfront during your consultation so you know exactly what to expect.
Defending a foreclosure case doesn’t hurt your credit score beyond the damage already caused by missed mortgage payments. In fact, successfully negotiating a loan modification or other alternative can be much better for your credit than allowing the foreclosure to proceed. A completed foreclosure stays on your credit report for seven years and makes it extremely difficult to get another mortgage. Loan modifications, short sales, or other negotiated settlements typically have less severe long-term credit impact.
Simply abandoning your home doesn’t make the foreclosure go away, and it eliminates your ability to negotiate a better outcome. The lender will still complete the foreclosure process, and you could still owe money if the house sells for less than you owe on the mortgage (called a deficiency judgment). You also lose any equity you might have in the property. If you can’t keep the house, it’s much better to work with an attorney to negotiate a short sale or deed-in-lieu arrangement that protects you from additional liability.

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