Foreclosure Defense Attorney & Lawyer

A Foreclosure Notice Isn’t the End. It’s the Start of a Case You Can Fight.

Most people hear “foreclosure” and picture the worst, like losing the house, packing up, and starting over. That’s not what a foreclosure actually is. It’s a lawsuit, and like any lawsuit, it comes with rights, deadlines, and defenses. 

Radow Law Group has represented homeowners facing foreclosure since the housing crisis, and our foreclosure attorneys have built a reputation across Nassau County, Suffolk County, Westchester, Queens, Brooklyn, the Bronx, and Manhattan for using every legal defense available before a case ever reaches auction. The sooner a foreclosure attorney is involved, the more options stay on the table.

The Foreclosure Process, and Why Every Day Counts

Missing a mortgage payment sets off a specific legal sequence, and knowing where you stand in it changes what your foreclosure attorney can still do for you:

• Notice of foreclosure arrives first, followed by a formal Summons and Complaint
• You generally have 20 to 30 days to respond from the date you’re served; the exact window depends on how the papers were delivered
• Miss that deadline, and your lender can move for a default judgment, which strips away most of your ability to fight back or negotiate
• Respond in time, and the case proceeds through mandatory settlement conferences, motion practice, and court review; each stage is a real opportunity to challenge the case or negotiate a resolution
• Silence is the single most expensive mistake a homeowner can make. It’s almost always the bank that benefits when a Summons and Complaint goes unanswered

This is exactly why retaining a foreclosure attorney immediately after being served matters more than almost anything else in the process; every stage above is a door that starts to close the moment you stop responding.

The Legal Defenses We Use to Fight Your Case

A foreclosure defendant has more legal options than most people realize, and a foreclosure attorney’s job is figuring out which ones apply to your situation. Depending on the facts of your case, that can include:

Dual tracking violations: federal rules prohibit a lender from pursuing foreclosure while a complete loan modification application is still under review; when that rule is broken, it becomes a defense

Documentation errors: incorrect interest rates, inconsistent payment histories, misapplied payments, or missing signatures in the lender’s own paperwork can undermine the foreclosure case itself

Loan origination issues: high-interest terms, deceptive disclosures, or predatory practices at the time the loan was made may violate the Truth in Lending Act or state consumer protection law

Servicer errors: mishandled escrow accounts, misapplied payments, or ignored written requests for information are all violations a homeowner can raise

Every one of these defenses does double duty: even where a case isn’t dismissed outright, raising a legitimate defense creates leverage to negotiate a better settlement with the bank.

What We Handle So You Don’t Have To

Fighting a foreclosure rarely comes down to one single action; it’s usually a combination of steps handled in parallel. A Radow Law Group foreclosure attorney can:

• Negotiate directly with your lender, using any documentation or servicing errors as leverage
• Represent you in court, since defending a foreclosure will typically require an appearance before a judge
• Pursue a loan modification alongside your defense, since loss mitigation review can legally pause foreclosure proceedings while it’s underway

Whether your goal is to stay in the home through reinstatement or modification, or to exit the property without the lasting damage of a completed foreclosure, we build the strategy around what you actually want, not a one-size-fits-all playbook.

Additional Support for Homeowners Facing Foreclosure

Short Sale Assistance: if keeping the property no longer makes financial sense, we can guide you through negotiating lender approval to sell for less than what’s owed, avoiding both foreclosure and continued collection attempts

Lease and Rental Agreement Review: for homeowners with tenants in the property, we review and negotiate lease terms that intersect with a pending foreclosure

Settlement Negotiation and Mediation: Many foreclosure cases resolve through negotiated settlement rather than trial, and we take full advantage of mandatory settlement conferences to push for terms that work in your favor

What Our Clients Say

“I would like to acknowledge Mr. Radow and his team of professionals. Since our first conversation to the conclusion of our business, they have been supportive, understanding, knowledgeable, and professional. It has been an absolute pleasure to have worked with all of you. You have lifted a burden that has weighed us down and have given my family a chance for a wonderful future.”

— James

“When we were served with foreclosure papers, we thought we had already lost our home. The attorneys at Radow Law Group explained every step of the process, responded quickly, and handled all communication with the bank. They helped us pursue a loan modification while defending the case, giving us time and options we didn’t know we had. We couldn’t have asked for better representation.”

— Maria & Anthony

“I contacted Radow Law Group just days after receiving a Summons and Complaint. Their foreclosure attorney immediately identified issues with the lender’s paperwork and built a strong defense. Throughout the case, they kept me informed, represented me in court, and negotiated on my behalf. Their knowledge and dedication made an incredibly stressful situation manageable.”

— David R.

Frequently Asked Questions