Foreclosure help in Bronx County (The Bronx)

Specific to Bronx County

Bronx County Foreclosure Process and Court Rules

Foreclosure proceedings in Bronx County move through the Supreme Court under New York judicial foreclosure law. From the initial complaint filed on Grand Concourse to the mandatory settlement conference and public auction, homeowners in The Bronx have specific procedural rights and statutory deadlines at every step.

Where Bronx Foreclosure Cases Are Heard

Foreclosure lawsuits in The Bronx are filed in Bronx County Supreme Court, Civil Term, located at the Bronx County Courthouse on Grand Concourse. Because New York is a judicial foreclosure state, your lender cannot take your property without filing a formal action in this court and obtaining a judgment.

When you receive a summons and complaint, the clock begins immediately. You have 20 days to file a formal written answer if the papers were personally handed to you within New York State, or 30 days if you were served by any other method. If you fail to answer, the court can enter a default judgment against you, cutting off your ability to present defenses on the merits.

The Bronx Foreclosure Settlement Conference Part

Residential foreclosure cases involving owner-occupied properties in Bronx County are routed to a dedicated settlement conference part. Under CPLR 3408, the court must schedule a mandatory settlement conference within 60 days after the lender files proof of service.

The court operates a specialized Residential Foreclosure Part and Foreclosure Settlement Conference Part to oversee these sessions. New York law requires both you and your lender to negotiate in good faith to see if a loan modification, repayment plan, or other workout is viable. The part publishes its own operational rules online, and homeowners can contact the part clerk directly by telephone or email to confirm upcoming dates, submit required documents, or clarify scheduling.

Checking Bronx Property Records and Notice of Pendency

Homeowners can confirm recorded property filings and pending litigation through the Bronx County Clerk or the city's online land records portal. Before a court can sign a final judgment of foreclosure, the lender must file a notice of pendency with the County Clerk at least 20 days prior to judgment.

In The Bronx, the County Clerk is located in Room 118 of the courthouse on Grand Concourse. For recorded land records, including deeds, mortgages, and satisfaction notices, you can search online through the NYC Department of Finance Automated City Register Information System (ACRIS). To check the day-to-day legal filings, motions, and calendar appearances in your pending lawsuit, you can search the Supreme Court system by your index number or last name.

How Foreclosure Auctions Work in Bronx County

Public foreclosure sales in Bronx County take place inside Courtroom 711 of the Bronx County Courthouse on Grand Concourse. Auctions are held on Mondays at 2:15 p.m., following strict court guidelines.

Under Administrative Order 35/22, a plaintiff or court-appointed referee cannot simply set an auction date independently. They must formally request a date from the Supreme Court Clerk, who assigns the exact time, calendar slot, and location. The court publishes a monthly calendar and pending-auction list online so property owners and bidders can track sales. Every sale must also be published under RPAPL 231.

Once the referee strikes the gavel and completes the auction, your right of redemption ends immediately. New York law provides no post-sale redemption period to buy back the property. If the winning bid exceeds the total judgment debt and expenses, the referee must pay that surplus money into the court so eligible parties, including the former owner, can petition to claim it.

Free Foreclosure Help and Case Reviews in The Bronx

No homeowner in The Bronx has to navigate a foreclosure action alone. Qualified, state-funded housing counseling is available locally through The Bronx Neighborhood Housing Services CDC, Inc., which assists residents with loss-mitigation applications and workout proposals.

You can also contact the statewide network funded by the New York State Attorney General through its toll-free hotline to connect with regional counseling resources. If you are preparing to file your initial response to a lawsuit without representation, the state court system provides an online program that guides you through creating an answer.

An attorney can review where your case stands and what options remain open, and that initial review is free.