NY Foreclosure Auction Countdown

Enter your scheduled sale date in the calculator above to see exactly how many days remain. There is generally no fixed statutory deadline measured from the sale date — an emergency motion can often be filed right up until the sale — but the sooner you act, the more options you have. This is an urgency guide, not a countdown to a legal cutoff.

More than 21 days — you still have time to act deliberately

An Order to Show Cause (OSC) to vacate a default judgment (CPLR 5015(a)) paired with a stay of the sale (CPLR 2201) and a TRO to halt the auction is strongest if you have grounds such as improper service (CPLR 5015(a)(4), which can void even a completed sale), a missing or defective RPAPL 1304 90-day notice, or a standing/assignment gap. If your judgment is less than 1 year old, excusable default under CPLR 5015(a)(1) is available — it needs a reasonable excuse plus a meritorious defense. If the judgment was entered within the last 30 days, an appeal with a court-fixed undertaking/bond (CPLR 5519(a)(6)) can stay the sale. Ask about the mandatory settlement conference / loss-mitigation track (CPLR 3408).

7 to 21 days — move now

File an emergency OSC with a TRO to stay the sale (CPLR 2214(d), time-of-the-essence) in the Supreme Court where the judgment was entered. You must serve the lender's counsel — typically at least 24 hours before presentment — with proof of service. Backstop lever: filing a Chapter 13 bankruptcy petition triggers an automatic stay (11 U.S.C. § 362) that halts the sale on filing.

Fewer than 7 days, including today — this is an emergency

Two fastest levers. First, an emergency OSC + TRO — it can often still be brought right up to the sale, but judges want notice, so file immediately. Second, filing a Chapter 13 bankruptcy petition imposes an automatic stay (11 U.S.C. § 362) that stops the sale the moment it's filed — a last resort with real consequences. Get counsel today.

Sale date already passed — you may still have options

If the judgment was void for lack of personal jurisdiction (improper service), CPLR 5015(a)(4) can invalidate even a completed sale. Act immediately — do not assume it's over.