Homeowners across The Bronx benefit from New York's judicial foreclosure protections — including the 90-day pre-foreclosure notice and mandatory settlement conference. Learn your NY rights and get expert help. Free consultation.
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In New York, the foreclosure process starts with formal court action, and it can move quickly once a summons and complaint is filed. The earlier you act, the more options you may have — including avoiding a foreclosure filing altogether. A free confidential review is the fastest way to understand where you stand and what steps may help.
Dream Financial Management is not a law firm. We are a nationwide foreclosure assistance, loss mitigation, and loan modification support company. For representation or specific legal advice, we can help direct you to a licensed New York attorney where appropriate.
(213) 536-9372New York is a judicial foreclosure state. This means the lender must file a lawsuit and obtain a court judgment before the property can be sold at a public auction. Homeowners across Bronx County benefit from key protections built into the New York process.
NY foreclosure begins when the lender files a foreclosure lawsuit after a default. The homeowner is formally served with a summons and complaint and has a limited window to respond to the court.
By law, homeowners receive a pre-foreclosure notice before most residential foreclosure actions are filed, alerting them to options and the importance of acting early.
The homeowner is served with the foreclosure lawsuit and must respond. A timely answer preserves defenses and options before the court.
For most home loans, the court schedules a settlement conference where the homeowner and lender can work toward loss mitigation and alternatives.
NY requires most homeowners receive a pre-foreclosure notice well before the foreclosure action is filed, providing time to seek help.
For most home loans, the court must hold a settlement conference before proceeding, giving homeowners a structured chance to negotiate.
Homeowners can pursue loan modification, forbearance, and other mortgage assistance alternatives at various points in the process.
Because NY is judicial, the court supervises the process, and homeowners have the opportunity to raise defenses and seek fair resolutions.
Get a free, confidential review of your specific situation — no obligation.
Get Free ReviewFrom Mott Haven to Riverdale, Fordham to Pelham Bay, we help homeowners throughout The Bronx and all five New York City boroughs navigate New York foreclosure challenges and pursue solutions.
Dream Financial Management has been helping homeowners nationwide since 1994. We provide:
Having the right papers ready can make exploring your options faster and smoother. Gather what you can — we'll help with the rest.
Your mortgage note, deed of trust, and any loan modifications or forbearance agreements.
Letters, notices, and statements from your lender or servicer, including any pre-foreclosure notice.
Pay stubs, bank statements, tax returns, and a summary of monthly bills to document your financial situation.
Any summons, complaint, or other legal documents you may have received from the court.
The sooner you act, the more options you may have. Dream Financial Management provides confidential, judgment-free foreclosure assistance and loss mitigation support for homeowners throughout The Bronx. Every situation is reviewed individually.
Disclaimer
Dream Financial Management is not a law firm and does not provide legal
representation. We provide foreclosure guidance, loss mitigation
assistance, loan modification support, hardship assistance, and
homeowner education. If you need legal representation or advice about a
court proceeding, we can help direct you to a licensed attorney where
appropriate. Outcomes are not guaranteed, and every situation is
evaluated on its individual facts. Nothing on this page should be
construed as legal advice.