Payments are getting away from you
You’re seriously behind, the lender keeps calling, or a loan modification has stalled. You want to understand what to discuss next.
For New York homeowners
Your home matters. So does your next step.
Behind on payments or facing foreclosure? Connect with a New York foreclosure attorney to understand where you stand—and what options may still be available.
Free initial evaluation
No obligation to hire
New York focusedAttorney connection serviceA clear place to start
Less uncertainty. A clearer conversation.
You don’t have to know
the answer to ask for help.
The letters pile up. The language gets harder to follow. And the same question keeps coming back: what do I do now?
That’s where a conversation can help. We connect New York homeowners with attorneys who handle foreclosure, so you can ask questions about your paperwork, your circumstances, and the next steps worth discussing.
Start with what you know
Choose the situation closest to yours. “I’m not sure” is a valid starting point, too.
If this sounds familiar
There’s more than one reason to reach out.
You can request an evaluation at any of these points. What an attorney may be able to do depends on your individual circumstances.
Something arrived in the mail
A 90-day notice, demand letter, or summons has made the situation feel real. You need help making sense of the documents.
The case is moving forward
A conference, judgment, or sale is on your mind. Tell the attorney about any dates and deadlines as early as possible.
Read about your stage
Guides to the New York foreclosure process.
A simple first step
From a question to a conversation.
No long explanation required to get started. The request asks about your situation and how to reach you.
- 01
Tell us where you are
Choose the stage that sounds closest to your situation—even if you’re unsure.
One question about your situation
- 02
Share how to reach you
Your request goes to an intake service and is shared with an attorney for evaluation and follow-up.
Follow-up by phone or email
- 03
Discuss your next step
Ask about your circumstances and possible paths forward. You decide whether to discuss representation.
No obligation to hire
Make the conversation count
Three questions worth getting clear on.
- 01
Where do I stand?
Bring the uncertainty into focus. An attorney can review what you’ve received and discuss where your case stands.
- 02
What needs my attention?
Ask which documents, dates, and upcoming events matter for your circumstances. Share any sale date or court deadline right away.
- 03
What could I do next?
Discuss whether a response, loss-mitigation path, or another approach may fit your situation. No outcome is guaranteed.
You can start with a question.
You don’t need a perfect explanation.
Know what you’re choosing
A first conversation. A separate decision.
Requesting an evaluation and hiring an attorney are different steps. Here’s what that means for you.
| Consideration | Free initial evaluation | Legal representation |
|---|---|---|
| Purpose | Discuss your situation and potential next steps. | Agree on the legal work an attorney will take on. |
| Cost | The initial case evaluation is free. | Discuss fees and terms directly with the attorney. |
| Commitment | No obligation to hire. A request does not create an attorney-client relationship. | Representation requires a separate agreement with an attorney. |
Submitting a request does not stop a foreclosure sale, extend a deadline, or guarantee representation.
Before your conversation
Bring what you have. Start there.
A little preparation can make it easier to explain what’s happening. You don’t need these documents to submit your request.
Keep the paperwork together
Set aside notices, court papers, mortgage statements, and letters from your lender or servicer. Keep the envelopes, too.
Write down the dates
Note upcoming hearings, conferences, and any scheduled sale. Tell the attorney about these at the beginning of your conversation.
Think about what matters to you
Do you want to keep the home, understand the paperwork, or discuss another way forward? Write down your questions and any steps you’ve already tried.
Straight answers
Before you take the next step.
Is the initial evaluation really free?
Yes. The initial case evaluation is free, with no obligation to hire. Any legal representation and fees are discussed separately with the attorney.
What if I don’t know my foreclosure stage?
Choose “I’m not sure where I stand.” You can explain what you’ve received and what’s worrying you during follow-up.
What if a sale is already scheduled?
Seek legal help promptly and explain that a sale is scheduled. Submitting this form does not stop a sale or extend any deadline. Whether an attorney can help depends on the facts and the time remaining.
Who receives my information?
Your answers go to an intake service and are shared with a participating New York attorney or firm for your county and situation, for evaluation and follow-up by phone or email. We work with many attorneys, not one. Read the privacy notice and consent language on the request form before submitting.
Is this a law firm or government program?
Neither. NewYorkForeclosureHelp.com is an attorney connection service that works with many participating New York attorneys and firms, routed by county and situation. It is not a law firm, lender, or government agency and does not provide legal advice.
Explore with confidence
Useful information, at your pace.
Your next chapter starts with a conversation.
Tell us where you are. Connect with a New York foreclosure attorney to discuss what may come next.
Request my free case review
Free initial evaluation. No obligation to hire. A request does not create an attorney-client relationship, stop a sale, or extend a deadline.