How to Stop Foreclosure in New York — Long Island Action Plan

If you're behind on your mortgage on Long Island, you have more options and more time than the lender's letters suggest. New York's judicial foreclosure system, the mandatory CPLR 3408 settlement conference, and the 90-day pre-foreclosure notice under RPAPL § 1304 collectively give Long Island homeowners 24-36 months to act. This article explains exactly what to do, in what order, depending on where you are in the timeline.

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