Foreclosure Defense · Long Island & New York City
You have more options than the bank told you.
The Law Offices of Edward R. Rimmels defends Long Island and NYC homeowners at every stage of foreclosure — in court and at the negotiating table. New York courts want homeowners to keep their homes. We make sure the bank hears that.
Judgment already entered? We can still negotiate. Most firms say it's too late after a Judgment of Foreclosure and Sale. It isn't — we negotiate with banks directly, even after judgment.
Talk to us todayThe New York foreclosure process
How long you really have — and where we stop it
Foreclosure in New York is a long court process, not an eviction notice. Every stage below is a place where a defense attorney can intervene on your behalf.
Stage 1
Missed payments
We can act hereStage 2
90-day notice
We can act hereStage 3
Lis pendens filed
We can act hereStage 4
Settlement conference
We can act hereStage 5
Judgment of Foreclosure
We can act hereStage 6
Auction
Even at auction stage, options remain: negotiation, short sale, or settlement of second liens. The earlier you call, the more leverage you have — but it is never automatically too late.
How we protect your home
Six ways out of foreclosure
Foreclosure Defense
We represent you in every court proceeding to prevent the bank from obtaining a Judgment of Foreclosure and Sale — and push negotiations in your favor. Courts want homeowners to keep their homes.
Loan Modification
A permanent written change to your Note: lower rate, lower payment, extended maturity, past-due amounts folded into principal, or an ARM converted to fixed-rate.
Short Sale
Sell for less than the mortgage balance with the rest forgiven by the bank. We negotiate the price and keep the bank's market-value assumptions honest.
Second-Lien Settlement
When first and second liens exceed the property's value, the second lien will often settle for cents on the dollar. We negotiate that settlement.
Repayment Plan
When a modification isn't feasible, we can request a structured plan for the past-due amount, depending on the arrears and a good-faith down payment.
Residential Closings
Buyer or seller representation in residential real estate transactions across Long Island and the NYC metro area.
Does bankruptcy stop foreclosure in New York?
Yes — filing bankruptcy triggers an automatic stay that immediately pauses a foreclosure, including a scheduled auction. But a stay is a pause, not a solution. What happens next depends on whether Chapter 7 or Chapter 13 fits your situation, and whether foreclosure defense alone can protect the home without bankruptcy.
In many cases, foreclosure defense — contesting the case in court while negotiating a loan modification — protects your home without a bankruptcy on your record. Call us and we will walk through both paths with you, in plain English.
About the firm
A Long Island firm in Long Island courtrooms
Based in Jericho, the firm represents homeowners in Nassau and Suffolk County Supreme Courts and throughout the New York City metro area. We speak plainly, we return calls, and we treat a scared homeowner like a neighbor — because you are one.
Meet the attorney →Free consultation
The bank has lawyers. You should too.
516-719-4144410 Jericho Tpke, Suite 220, Jericho, NY 11753 · Se habla español