Know Your Rights if you are at Risk of Foreclosure

• You have a right to be notified at least 90 days before a foreclosure suit is filed informing you that you are in default and at risk of foreclosure.
• The bank or mortgage servicer is required to help you understand your loss mitigation option which may allow you to keep your home and avoid litigation.
• Once a loss mitigation application has been completed, the bank or mortgage servicer must finish its review of your application before proceeding with the foreclosure suit

To learn more about your rights during a foreclosure in New York, you may read the Department of Financial Service’s “Residential Foreclosure Actions Consumer Bill of Rights.“

Nassau Suffolk Law Services’ Foreclosure Prevention Project provides free legal services to homeowners hoping to prevent foreclosure.

Services provided include:

• Legal representation at the various stages of the foreclosure process, including at mandatory court settlement conferences, drafting pleadings, and drafting and opposing motions
• Assist borrowers pursuing loss mitigation options, including loan modifications
• Advice and Counsel

The Project is part of the HOPP network, a Statewide coalition that includes HUD-certified housing counseling agencies. As such, we will make referrals to and collaborate with HOPP-funded, non-profit housing counseling agencies. Clients must reside in homes subject to foreclosure and have low to moderate income for Long Island as annually set by HUD. Nassau residents can call (516) 292-8100 and Suffolk residents can call (631) 232-2400 to be screened for eligibility.