Foreclosure Lawyers in New York

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Facing foreclosure in New York or surrounding areas can feel overwhelming, but you don’t have to face it alone. At Petroff Amshen LLP, our foreclosure lawyers specialize in protecting homeowners from wrongful foreclosures and unfair lending practices. With more than 20 years of experience, we’ve helped countless clients keep their homes and restore financial stability through strong, personalized defense strategies.

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What Is Foreclosure Defense?

Our foreclosure defense begins with a thorough review of your mortgage documents, payment history, and the lender’s actions throughout the loan and foreclosure process. We look for errors, improper handling of documents and procedures, and any violations of foreclosure laws, such as failure to provide proper notice or discrepancies in the foreclosure filings.

Article 15 Actions

Under New York law, Article 15 of the Real Property Actions and Proceedings Law (RPAPL) grants property owners the right to commence a Quiet Title action to establish clear ownership when the validity of a mortgage or lien is in question. In the context of foreclosure defense, this statute becomes a powerful remedy when the foreclosure Statute of Limitations typically six years from the acceleration of the debt has expired. Once that period lapses, the lender loses the legal right to enforce the mortgage through foreclosure.

At Petroff Amshen LLP, our foreclosure defense attorneys strategically use Article 15 to file Quiet Title actions aimed at canceling outdated mortgage liens that no longer have legal standing. This process not only removes the encumbrance from the public record but also restores the homeowner’s full title rights, allowing them to refinance, sell, or otherwise transfer their property free of clouded ownership.

In practice, these actions require a thorough examination of the lender’s acceleration notices, payment history, and prior foreclosure filings to determine the precise moment when the statute of limitations began to run. By combining technical legal analysis with decades of litigation experience, we help clients permanently extinguish unenforceable mortgage debts and secure their property rights under New York law.

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FAPA Defense Strategy

We leverage New York’s Foreclosure Abuse Prevention Act (FAPA) to provide a robust defense against foreclosure actions. Under this law, we focus on identifying any violations of foreclosure procedures, wrongful denial of loan modifications, or unfair practices by mortgage servicers. Our foreclosure attorneys meticulously review every aspect of your case, ensuring that lenders are held accountable for any misconduct.