What Happens if I Receive Foreclosure Papers in the Mail?

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What Happens if I Receive Foreclosure Papers in the Mail?

Receiving a letter, or multiple letters, from a mortgage lender regarding a potential foreclosure on your home is any homeowner’s worst nightmare. Unfortunately, this is something that happens to more people than you may think. If this has recently happened to you, there is a very good chance that you are very worried about the weeks and months to come, especially if you do not currently have the financial means to avoid foreclosure. Fortunately, our firm is here to help. Please read on and reach out to our knowledgeable Rockland County foreclosure defense attorney to learn more about how we can help if you’ve received foreclosure papers and are unsure of your legal options going forward. Here are some of the questions you may have regarding the process ahead:

What happens when I receive foreclosure papers in the mail?

If you receive papers regarding a potential foreclosure on your home, the very first thing you should understand is that you should not fight this battle alone. You should retain the services of an experienced NY foreclosure defense attorney who can review the paperwork, your financial situation, and from there, advise you of the best path forward to help ensure that you can stay in your home. In certain cases, you may simply file a 30-day default notice, which essentially means that you are 30 days behind on your mortgage, though there is a path to devise a simple solution to catch up on payments and get back on track.

What happens if I am more than 30 days overdue on my mortgage?

In other cases, you may file a 90-day default notice, and though this is more serious than a 30-day default notice, you will still have 90 days to catch up on your mortgage payments before facing a foreclosure lawsuit. No matter your circumstances, you should understand that foreclosure papers and all matters involving foreclosure are extremely time-sensitive, and the sooner you speak with an attorney, the sooner we can start working towards a productive solution that gives you and the family the peace of mind you deserve to move on with your lives. If you have any further questions or you are ready to speak with an attorney, give us a call today. We are here to help.


Here at The Law Offices of David M. Katz, P.C., we understand how frightening the prospect of losing your home due to foreclosure can be. For this very reason, our experienced attorneys have dedicated decades of our professional careers working to help those facing foreclosure stay in their homes and move on with their lives. Contact our firm for the experienced, compassionate guidance you deserve and need. 

How Do We Fight Against Foreclosure?

The Law Office of David M Katz, P.C. has extensive experience helping New Yorkers save their homes from foreclosure. Foreclosure itself has a wide range of impacts that can be avoided with the help of our firm. It is time to get the relief you deserve. Contact us today.

Loan Modification

You may be eligible to save your home by adjusting your mortgage. Every residential foreclosure lawsuit must go to the Foreclosure Settlement Conference to see if you qualify for a loan modification. We can represent you.

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Loss Mitigation

Loss mitigation stops foreclosure in its tracks, requiring your lender to assess your financial ability to see if you qualify for a government or internal bank loan modification. Having an experienced attorney is invaluable.

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Mortgage Litigation

You may be facing an illegal foreclosure, and it may stem from the terms of your loan, or much more. Our law firm is ready to explore every potential defense on your behalf.

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