Real Estate. Immigration. Criminal Defense — New York & New Jersey
Real Estate. Immigration. Criminal Defense — New York & New Jersey
Nassau & Suffolk County · Long Island, NY
Protect Your Home. Understand Your Options. Act Early.
Our Advantage
Kambo Law's foreclosure defense is informed by first-hand experience inside a foreclosure litigation practice — from the creditor's side of the docket. We have seen how banks and mortgage servicers assemble their filings, where their paperwork and standing tend to break down, and which defenses actually move a case.
As a Long Island real estate firm, we also understand the property, title, and mortgage issues underneath every foreclosure — so we defend your home with the full picture, not just the litigation.
Filing a timely answer that raises and preserves every available defense before the deadline passes.
Challenging the lender's standing, chain of title, and the validity of the note and mortgage assignments.
Statute-of-limitations and other defenses strengthened by the Foreclosure Abuse Prevention Act (FAPA).
Representing you at the mandatory CPLR 3408 settlement conference and in loss-mitigation review.
Contesting defective RPAPL 1304 / 1306 notices, improper service, and robo-signed documents.
Reviewing and negotiating loan modification and loss-mitigation options through the court process.
Short sales, deed-in-lieu, and structured exits when keeping the home is not the goal.
Vacating defaults, challenging the sale, and pursuing surplus-money proceedings after an auction.
The New York Process
New York is a judicial foreclosure state — the lender must sue you in State Supreme Court, and the case often takes two to three years or longer. Every stage is an opportunity to defend.
90-day pre-foreclosure notice — the lender must send a statutory notice before filing.
Summons & complaint filed in Nassau or Suffolk County Supreme Court.
Request for Judicial Intervention and the mandatory settlement conference (CPLR 3408).
Your answer and defenses — the deadline to respond is critical.
Discovery and motion practice — where standing and documentation are tested.
Judgment of foreclosure and sale, then the auction — options may still exist right up to (and after) the sale.
Nassau & Suffolk Courts
100 Supreme Court Drive, Mineola, NY
1 Court Street, Riverhead, NY
Serving Homeowners Across Long Island
Nassau County
Hempstead, Hicksville, Levittown, Freeport, Long Beach, Garden City, Mineola, Great Neck, Valley Stream, Westbury, Massapequa, and throughout Nassau County.
Suffolk County
Brentwood, Islip, Huntington, Babylon, Smithtown, Riverhead, Central Islip, Coram, Patchogue, Bay Shore, and throughout Suffolk County.
New York is a judicial-foreclosure state, and cases frequently take two to three years or longer from the first missed payment to a sale. That time is not just delay — it is time to raise defenses, request the mandatory settlement conference, and pursue alternatives.
Often, yes. Filing a timely answer with valid defenses, requesting the mandatory settlement conference, and negotiating loss mitigation can halt or significantly slow the process. The earlier you act, the more options you have.
Under CPLR 3408, New York requires a mandatory settlement conference in owner-occupied home-loan foreclosures. You and the lender meet under the court's supervision to explore alternatives such as a loan modification. Having an attorney present can make a meaningful difference.
Not necessarily. Even after a default or judgment, options may still exist — moving to vacate a default, challenging the lender's standing or notices, or pursuing surplus funds after a sale. Contact us before the auction to review what is still available.
You are not required to have one, but the lender will be represented by experienced foreclosure counsel, and New York’s process is complex and deadline-driven. An attorney who knows the Nassau and Suffolk County foreclosure parts helps level the field.
Related Long Island Real Estate Help
Free, confidential consultation for Nassau and Suffolk County homeowners.
Call (516) 345-4502