New York Foreclosure Defense Attorney

Afraid of Losing Your NY Home Due to Foreclosure?

At Musa-Obregon & Associates, we understand that difficult financial situations have left families throughout New York struggling to make their mortgage payments. When this happens, foreclosure may seem unavoidable, but this is far from the truth.

By working with each of our clients individually, we are able to create positive solutions that puts a stop to foreclosure and allows them to move forward with their lives. Having 100 years of combined legal experience, we can talk you through the best possible options for your unique situation.

Call for a free consultation with our NYC foreclosure defense firm. Serving Manhattan, the Bronx, Brooklyn, Rockland County and Westchester County.

Changes to New York Foreclosure Laws

New York State has one of the longest foreclosure timelines in the country, averaging about three years.. This was due to the fact that after the foreclosure action was filed, attorneys were not filing a mandatory affirmation right away. The mandatory affirmation is filed by the plaintiff’s attorney to certify that the plaintiff is in fact the creditor entitled to enforce their rights according to various loan documents.

It is now required for the foreclosure plaintiff’s attorney to file the mandatory affirmation along with the initial complaint, speeding up the process significantly. Once the mandatory affirmation and initial complaint have both been filed, an attorney may be able to help you come to a mutually agreeable way out of your foreclosure with your lender.

Steps After Receiving a Notice of Foreclosure

  1. If you have been served personally with a Summons and Complaint in foreclosure, you only have 20 days to respond. For those served by alternate methods, you have 30 days to respond to the notice.
  2. In either case, you have to file a Formal Answer, wherein you are required to respond to each allegation against you in the Summons and Complaint. This is also where you can assert your defenses.
  3. The Formal Answer will then have to be acknowledged by a Notary Public and served before the Court and opposing counsel.

It’s important that you speak with a skilled and experienced NYC foreclosure attorney as soon as you receive your initial notice to help prevent you from losing your home.

Free Consultation With Our Qualified NY Foreclosure Firm

Whether you have just received the initial complaint or you are already in the foreclosure process, there may still be a way out. By choosing to work with Musa-Obregon & Associates, you can trust that our foreclosure defense lawyers will tirelessly strive to stop your foreclosure and find an alternative that better suits your needs.

Allow our firm to work alongside you – call us today at 888-502-8461!

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We speak many languages!

At Musa-Obregon & Associates, we are committed to helping clients from every background. To best serve our clients, we offer legal counsel in the following languages:

  • English
  • Español
  • Po Polsku
  • Arabic
  • Portugues
  • English
  • Español
  • Po Polsku
  • Arabic
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888.502.8461

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

Our Locations:

  • Queens:

    2nd Floor,
    55-21 69th St
    Maspeth, NY 11378
    (718) 803-1000
  • New York City:

    757 Third Avenue,
    20th Floor
    New York, NY 10017
    (646) 363-6891
  • White Plains:

    199 Main Street,
    Suite 301
    White Plains, NY 10601
    (914) 721-0865