How to Stop Foreclosure in New York

Contents:


How Does Refinancing Work If You Want to Avoid Foreclosure in New York?

Refinancing has become the best foreclosure help for millions of people since the housing crisis in America in 2007-08. When you refinance a mortgage as part of your foreclosure prevention strategy, you can make low monthly mortgage payments for the first few years and higher payments after that. You can improve your financial situation and prepare yourself for higher payments in the future. Not surprisingly, it’s the best way to stop foreclosure in New York.

Things to Consider When Hiring a New York Foreclosure Lawyer

There are no guarantees in a foreclosure case. Be wary of someone who provides ‘guarantees’ without examining your case. A foreclosure attorney in New York will review your case extensively before dispensing any legal advice or even to suggest what alternatives you have like filing for bankruptcy. Depending on your individual situation, you can have a better option than bankruptcy filing.

Name Photo Address City State Zip Phone Site Details Map
Warner & Warner, Pllc 6 Automation Ln Ste 109 Albany NY 12205 (518) 417-2715 http://www.bankruptcylawcapitaldistrict.com Details
The Dax Law Firm, P.c. 54 State St Ste 805 Albany NY 12207 (518) 432-1002 http://www.daxlawfirm.com Details
Nolan & Heller, Llp 39 North Pearl Street, Albany NY 12207 (518) 320-7803 http://www.nolanandheller.com Details
O'connor, O'connor, Bresee & First, P.c. 20 Corporate Woods Boulevard, Albany NY 12211 (518) 203-2195 http://www.1stlaw.com Details
D'angelica & Bilski, Pllc 2705 Eastchester Rd Bronx NY 10469 (347) 614-1020 http://dandblawfirm.com Details
Contiguglia Law Offices Llp 100 Genesee St Ste 6 Auburn NY 13021 (315) 604-8607 http://www.contiguglialaw.com Details
Pomeroy, Armstrong, Casullo & Monty, Llp 16 Tompkins St Cortland NY 13045 (607) 218-8353 http://www.cortlandattorneys.com Details
Law Offices Of Lorenzo L. Angelino 42 Catharine Street, Poughkeepsie NY 12601 http://www.angelinolaw.com Details
Mccabe & Mack Llp 63 Washington Street, Poughkeepsie NY 12602 (845) 206-4379 http://www.mccm.com Details
Chelus, Herdzik, Speyer & Monte, P.c. Main Court Building At Lafayette Square, 438 Main Street, Tenth Floor, Buffalo NY 14202 (716) 650-4761 http://www.cheluslaw.com Details
Coffinas & Lusthaus, P.c. 186 Joralemon St Ste 910 Brooklyn NY 11201 (718) 488-7900 http://www.coflus.com Details
The Law Offices Of Robert C. Dubno 747 President Street, Brooklyn NY 11215 (718) 789-7777 http://bobdubno.com Details
Goldberg Sager & Associates Attorneys At Law 1628 Kings Highway At East 17th Street, Brooklyn NY 11229 (718) 521-4339 http://www.attorneynow.com Details
Law Office Of Simon Goldenberg Pllc 818 E 16th St Brooklyn NY 11230 (347) 474-8985 http://www.goldenbergfirm.com Details
Rosenberg, Musso & Weiner, Llp 26 Court St Ste 2211 Brooklyn NY 11242 (646) 568-4489 http://www.nybankruptcy.net Details
Law Office Of Crystal J. Burden, Pc 26 Court St Ste 2702 Brooklyn NY 11242 (718) 705-4851 http://www.burdenlawfirm2.com Details
The Law Office Of Gregory Messer 26 Court St Ste 2400 Brooklyn NY 11242 (718) 717-2368 http://messer-law.com Details
Adams Bell Adams, P.c. 28 E Main St Ste 600 Rochester NY 14614 (888) 383-9192 http://www.abalawpc.com Details
Coccia Law Firm One East Main Street, Eighth Floor, Rochester NY 14614 (585) 209-3750 http://www.goodwinattorney.com Details
Davidson Fink Llp 28 E Main St Ste 1700 Rochester NY 14614 (585) 546-6448 http://www.davidsonfink.com Details

Do Foreclosure Affects Just Your Ability to Qualify for a Mortgage?

Many people assume the only negative impact of foreclosure is that they won’t qualify for a new mortgage for a few years. But they are wrong. Until you are done with credit repair, a foreclosure can impact your eligibility for a job, homeownership insurance cost, your ability to rent, etc. Seek professional legal counseling today to know how you can stop foreclosure through options like refinance.

HECM Counseling Agencies in New York

Home Equity Conversion Mortgage (HECM) Counseling for reverse mortgage.

Agency Name Address Phone Email Website Map
ALBANY COUNTY RURAL HOUSING ALLIANCE, INC.
24 MARTIN RD
VOORHEESVILLE, NY 12186
P: (518) 765-2425
http://www.acrha.org
AMERICAN DEBT RESOURCES
248 LARKFIELD RD STE C
EAST NORTHPORT, NY 11731
P: (631) 912-9542
http://www.americandebtresources.com
BELMONT HOUSING RESOURCES FOR WNY, INCORPORATED
1195 MAIN ST
BUFFALO, NY 14209
P: (716) 884-7791
http://www.belmonthousingwny.org/
CCCS OF BUFFALO, INC.
40 GARDENVILLE PKWY STE 300
BUFFALO, NY 14224
P: (716) 712-2060
http://www.consumercreditbuffalo.org
CCCS OF ROCHESTER, INC.
SUITE 900
1000 UNIVERSITY AVE
ROCHESTER, NY 14607
P: (585) 546-3440
https://www.cccsofrochester.org/

HUD Housing Counseling Agencies located in New York

Housing and Urban Development Counseling for foreclosure avoidance.

Agency Name Address Phone / Toll-Free / Fax Website Languages Map
AFFORDABLE HOUSING PARTNERSHIP
255 Orange St
Albany, NY 12210
P: (518) 434-1730
http://www.ahphome.org
English
CATHOLIC CHARITIES OF THE DIOCESE OF ALBANY / UNITED TENANTS OF ALBANY, INCORPORATED
40 N Main Ave
Albany, NY 12203
P: (518) 453-6650
http://site.notavailable.org
English
CLEARPOINT CREDIT COUNSELING SOLUTIONS -ALBANY BRANCH
6 Automation Ln Ste 113
Albany, NY 12205
P: (877) 877-1995
T: (315) 474-6026
F: (855) 224-1368
http://www.clearpointccs.org
ASL
English
Other
Spanish
NY STATE OFFICE FOR PEOPLE WITH DEVELOPMENTAL DISABILITIES (OPWDD)
44 Holland Avenue
ALBANY, NY 12208
P: (518) 473-1973
F: (518) 474-0783
http://www.opwdd.ny.gov
Spanish
TOWN OF EAST HAMPTON-OFFICE OF HOUSING & COMMUNITY DEVELOPMENT
267 Bluff Road
Amagansett, NY 11930
P: 631-267-7896-7161
F: (631) 267-8679
http://www.town.east-hampton.ny.us
English
Spanish

NFMC grantees through NeighborWorks America located in New York

National Foreclosure Mitigation Counseling for foreclosure avoidance.

Agency Name Address Phone Email Website Languages Map
Affordable Housing Partnership
255 Orange Street
Albany, NY 12210
P: (518) 434-1730
http://www.ahphome.org
English
CCCS of Greater Atlanta
2 Computer Dr West
Albany, NY 12205
P: (877) 877-1995
http://www.clearpointccs.org
English
CCCS of Greater Atlanta
49 Court St
Binghampton, NY 13901
P: (877) 877-1995
http://www.clearpointccs.org
English
Long Island Housing Services, Inc.
640 Johnson Avenue, Suite 8
Bohemia, NY 11716
P: (631) 567-5111
http://www.LIFairHousing.org
English
MMI - Bronx
199 Lincoln Ave., Suite # 309
Bronx, NY 10451
P: (800) 308-2227
http://www.moneymanagement.org
English

Credit Repair Companies in New York

Agency Name Address Phone Website Map
Mike Law Credit Repair
103 Adee St
Port Chester, NY 10573
P: 914-881-1187
Debt Resolve Inc
1133 Westchester Ave, Ste S-223
White Plains, NY 10604
P: 914-949-5500
http://debtresolve.com
Careone Credit Services
Serving Nationwide
White Plains, NY 10601
P: 914-559-2323
http://www.getfelix.com/p/superpages/careone-credit-white-plains-new-york.html
Greenpath Financial Wellness
1 Barker Ave Ste 420
White Plains, NY 10601
P: 914-539-7971
http://www.getfelix.com/p/superpages/greenpath-financial-wellness-white-plains-new-york.html
Credit Scoring Advisor
555 Broadhollow Rd, Ste 329
Melville, NY 11747
P: 631-465-9565
http://www.creditscoringadvisor.com

New York Map

New York Foreclosure Laws

Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instrument: Deed of Trust, Mortgage
Timeline: Typically 120 days
Right of Redemption: No
Deficiency Judgments Allowed: Yes

Mortage Rates in New York

Type Rate Last Week
30 yr fixed 4.02% 0.09
15 yr fixed 3.21% 0.07
5/1 ARM 3.3% 0.06
30 yr fixed mtg refi 4.02% 0.1
15 yr fixed mtg refi 3.23% 0.05
7/1 ARM refi 3.34% 0.06
15 yr jumbo fixed mtg refi 3.87% 0.11
Last updated: 03/29/2017

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