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Foreclosure Basics

Foreclosure Basics in New York

1. New York is a judicial foreclosure state.
2. There are foreclosure notice requirements in the State of New York. The bank bringing a foreclosure lawsuit against a homeowner, must provide 90 days notice before filing the summons and complaint with the county clerk’s office of the county in which the homeowner resides. All complaints must be accompanied by a notice regarding legal options the homeowner has. When served with a summons and complaint, a homeowner has 20 days to respond in writing to the court and to opposing counsel, if served personally, and 30 days to respond in writing if served through any other means. All notices of sale of homes in the State of New York must be published.
3. Reinstatement. A homeowner can have his mortgage loan reinstated at any time by making payment and bringing the loan current.
4. Notice to homeowner after sale. After the sale of foreclosed property, the new owner must provide a 10 day notice to the former owner. Thereafter, the new owner can bring an eviction proceeding against the former owners of the home

For Help With Foreclosure Contact the Law Offices of Schlissel DeCorpo

For more information about the basics of foreclosure in New York call the Law Offices of Schlissel DeCorpo today at 800-344-6431 for a free consultation. We have offices in Lynbrook, Queens, and Suffolk County, and we represent individuals throughout the New York metropolitan area, including Long Island, Nassau County, Suffolk County, Westchester County; and NYC’s five boroughs of The Bronx, Brooklyn, Manhattan, Queens, and Staten Island.

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