Stopping Foreclosure, Repossession & Evictions
Protecting Your Home, Property & Financial Future
Stopping Foreclosure Attorney in Bronx & Westchester, NY
Facing the Loss of Your Home or Property? You May Have Legal Options.
Falling behind on mortgage payments, facing vehicle repossession, or receiving an eviction notice can create significant financial and emotional stress. The possibility of losing your home, vehicle, or other essential property can leave you feeling uncertain about your next steps. However, financial difficulties do not always mean that losing your property is inevitable.
At Thomas M. Denaro, Esq., we help individuals and families throughout the Bronx, Westchester County, and surrounding New York communities understand their rights and explore available legal solutions. Whether you are facing foreclosure proceedings, threats of repossession, or an impending eviction, Attorney Denaro provides personalized guidance to help you evaluate your circumstances and take appropriate action.
Call Thomas M. Denaro, Esq. at 718-863-6000 to schedule a consultation with a lawyer today.
Foreclosure Defense: Exploring Ways to Protect Your Home
When mortgage payments become unmanageable, lenders may begin foreclosure proceedings to recover the outstanding debt. In New York, foreclosure is a judicial process, meaning lenders generally must pursue legal action before a property can be sold through foreclosure. Homeowners may have opportunities to challenge the proceedings, negotiate with lenders, or pursue alternatives that could help them retain their property.
Attorney Denaro works with homeowners to review their financial circumstances, evaluate potential foreclosure defenses, and consider options such as loan modifications, repayment arrangements, and bankruptcy protection when appropriate. Filing for bankruptcy may temporarily halt foreclosure proceedings through the automatic stay, while Chapter 13 bankruptcy may provide eligible homeowners with an opportunity to catch up on overdue mortgage payments through a structured repayment plan.
Our goal is to help clients understand their options, protect their interests, and make informed decisions about their homes and financial futures.
Repossession & Eviction: Taking Action Before It's Too Late
Financial hardship can threaten more than just your home. Falling behind on vehicle loans or other secured debts may result in repossession, while unpaid rent or other housing disputes can lead to eviction proceedings. These situations often involve strict legal procedures, making it important to understand your rights and act promptly.
At Thomas M. Denaro, Esq., we help clients evaluate potential solutions to repossession and eviction concerns, including whether bankruptcy may provide temporary protection from certain collection or removal actions. Depending on the circumstances, bankruptcy may stop or delay repossession efforts, provide an opportunity to address outstanding debts, or temporarily pause certain eviction proceedings. However, available protections depend on the timing of the filing, existing court orders, and other legal factors.
Attorney Denaro takes the time to understand each client's situation and explain the legal options that may be available. Whether you are struggling to keep your vehicle, concerned about losing your residence, or facing mounting financial pressure, our firm is committed to helping you pursue a more stable financial future.
frequently asked questions
Can bankruptcy stop a foreclosure in New York?
Filing for bankruptcy generally triggers an automatic stay, which may temporarily stop certain foreclosure proceedings and a scheduled foreclosure sale. The protection is subject to exceptions, and a lender may ask the bankruptcy court for permission to proceed.
Can I stop my car from being repossessed?
Depending on your circumstances, bankruptcy may temporarily prevent repossession and provide options for addressing overdue vehicle payments. Acting before the vehicle is repossessed may offer additional opportunities.
Can Chapter 13 help me save my home?
For some qualifying homeowners, Chapter 13 may provide a way to address past-due mortgage payments through a three- to five-year repayment plan while maintaining required ongoing payments. Whether this is possible depends on your finances and other circumstances.
What is the difference between Chapter 7 and Chapter 13 when facing foreclosure?
Chapter 7 may temporarily pause foreclosure through the automatic stay, but it generally does not provide a long-term repayment plan for catching up on mortgage arrears. Chapter 13 may allow qualifying homeowners to address arrears over time through a court-approved repayment plan.
How does the foreclosure process work in New York?
New York uses a judicial foreclosure process, which generally requires the lender to pursue foreclosure through the court system. The process involves multiple stages and notices, and qualifying residential homeowners may have additional protections, including a foreclosure settlement conference.
Can filing for bankruptcy stop an eviction?
Bankruptcy may temporarily pause certain eviction proceedings, but protections are limited, particularly if a landlord has already obtained a judgment of possession. The timing and circumstances of the case are important.
What should I do if I receive a foreclosure notice?
Review the notice carefully and seek legal guidance as soon as possible. You may have opportunities to respond to the foreclosure action, negotiate with your lender, or explore bankruptcy and other debt-relief options.
Have Questions About Bankruptcy?
If overwhelming debt, creditor pressure, or the threat of foreclosure has left you unsure of what to do next, we can help you understand your options. Call Thomas M. Denaro, Esq. at 718-863-6000 today to speak directly with an attorney about bankruptcy and potential debt relief solutions. 24/7 Phone Availability | Hablamos Español