New York foreclosure defense
New York Foreclosure Defense — Know Your Rights and Deadlines
Self-help foreclosure defense for New York homeowners. Understand your deadlines, find the defects in your case, and respond on the record yourself. Not a law firm. No advance fee.
New York foreclosure is judicial - the lender must sue, prove it actually holds the note, and clear strict pre-foreclosure notices. Missing any one of several steps can delay or defeat the case. The single biggest reason people lose a defensible home is a missed deadline, not a weak case.
What we do
- Read your actual papers. We map your summons, complaint and notices against New York law.
- Find the defects. Standing, RPAPL notice failures, and statute-of-limitations issues, in plain language.
- Help you respond in time. Self-help drafts you review, sign and file under your own name.
What we will not do
- Charge an advance fee to stop your foreclosure. That is banned, and we do not do it.
- Tell you to stop paying or stop talking to your servicer.
- Promise an outcome. No one honest can guarantee a case result.
Key New York deadlines
- 90 days - RPAPL 1304 pre-foreclosure notice period
- 20 to 30 days - time to answer after being served
- 1 year+ - how long a defended case can buy time to resolve
What we look for in a New York case
- Standing to foreclose: Did the plaintiff actually hold the note when they sued? A broken chain is a real defense.
- RPAPL 1304 and 1306 notice: Defective or missing statutory notices can require dismissal of the case.
- Statute of limitations: Stale debt and acceleration timing can bar the action entirely.
- Vacating a default: Already defaulted? CPLR 5015 can reopen the case with a reasonable excuse and a defense.
Start with the free guides
Plain-English New York foreclosure guides — what your papers mean, your deadlines, and the defenses that matter. No obligation, no advance fee.
Read the free foreclosure guides
Also see: New York foreclosure defense guide · Free guides · Free diagnosis
Free tools: Auction countdown · Answer deadline calculator
HealthWealthStealth provides self-help legal information, document analysis and educational tools. It is not a law firm, does not provide legal advice, and no attorney-client relationship is created by using this site. We do not charge any fee in advance of fully performing services in connection with a foreclosure, consistent with federal and New York law. We never advise you to stop paying your mortgage or to stop communicating with your servicer. Outcomes depend on the facts of each case and cannot be guaranteed. For legal representation, consult a licensed New York attorney.