Where are Brooklyn foreclosure cases filed?

Kings County (Brooklyn) foreclosure cases are filed in the New York State Supreme Court, Kings County, located at 360 Adams Street, Brooklyn, NY 11201. The mandatory settlement conference program under CPLR § 3408 is also held there, giving Brooklyn homeowners an important legally-protected opportunity to negotiate a resolution with their lender before any foreclosure judgment is entered.

What Brooklyn neighborhoods does HOAPnet serve?

HOAPnet serves all of Kings County (Brooklyn) — including East New York (11207, 11208), Canarsie (11236), Flatbush (11226), East Flatbush (11203, 11234), Brownsville (11212), Crown Heights (11213, 11216), Bedford-Stuyvesant (11221, 11233), Bushwick (11221), Cypress Hills, Borough Park (11219), Sunset Park (11220, 11232), Bay Ridge (11209), Dyker Heights (11228), Bensonhurst (11214, 11204), Sheepshead Bay (11235, 11229), Midwood (11230), Marine Park (11234), Coney Island (11224), Prospect Heights, Flatlands (11234), and all other Brooklyn neighborhoods.

What if my Brooklyn home is worth less than I owe?

A short sale allows you to sell your Brooklyn home for less than the outstanding mortgage balance with the lender's written approval, which releases you from the remaining debt. HOAPnet coordinates the entire short sale process for Brooklyn homeowners — pricing, hardship documentation, lender negotiation including deficiency waiver, and coordination with your real estate agent — at no cost to you.

Is free foreclosure help truly available in Brooklyn?

Yes. HOAPnet's HOAP (Homeowner Assistance Program) provides completely free foreclosure prevention counseling, loan modification assistance, short sale coordination, and legal referrals to qualified Brooklyn homeowners across all neighborhoods. There are no upfront fees, no hidden charges, and no obligations. HOAPnet generates revenue through real estate transaction fees — never by charging distressed homeowners.

How long does foreclosure take in Brooklyn (Kings County)?

New York is a judicial foreclosure state, meaning Brooklyn lenders must file a court case and obtain a court order before selling your home. The mandatory settlement conference process under CPLR § 3408 requires good-faith negotiation. The typical timeline from the initial lis pendens (Notice of Pendency) filing to any foreclosure sale in Kings County is 18 to 36 months or longer. This gives Brooklyn homeowners significant time and legal opportunity to resolve the situation.

What is the mandatory settlement conference and how does it help Brooklyn homeowners?

Under CPLR § 3408, New York requires a mandatory settlement conference in every residential foreclosure case. In Kings County, this takes place at 360 Adams Street, Brooklyn. The lender must appear with authority to negotiate and must evaluate you for all loss mitigation options including loan modification, forbearance, and repayment plans. The foreclosure cannot proceed to judgment while conferences are ongoing. This is the most powerful legal protection available to Brooklyn homeowners. HOAPnet HOAP Counselors help prepare homeowners for and attend these conferences.

Which Brooklyn ZIP codes have the highest foreclosure rates?

According to PropertyShark data and court records, the Brooklyn neighborhoods and ZIP codes with historically high foreclosure activity include: Canarsie (11236), East New York (11207, 11208), East Flatbush/Flatlands (11234, 11203), Brownsville (11212), Crown Heights (11213, 11216), Sunset Park (11220), and Bay Ridge/Dyker Heights (11220, 11228). HOAPnet specifically serves homeowners in all of these high-need areas.

Can I keep my Brooklyn home after receiving a foreclosure notice?

Yes, in many cases. Receiving a foreclosure notice or lis pendens does not mean you will lose your home. Options to keep your Brooklyn home include: loan modification (permanently changing your mortgage terms), reinstatement (paying all past-due amounts), forbearance (temporarily pausing payments), repayment plan (spreading arrears over future payments), and refinancing. HOAPnet evaluates all these options and pursues the best path for you at no cost.

What documents do I need for a loan modification in Brooklyn?

For a loan modification application, Brooklyn homeowners typically need: last 2 years of federal tax returns (all pages), last 3 months of pay stubs (or profit & loss statement if self-employed), last 3 months of bank statements (all accounts, all pages), most recent mortgage statement, a hardship letter explaining the circumstances, and a monthly income/expense worksheet. HOAPnet prepares and submits the complete package to your servicer on your behalf.

What is a lis pendens and what does it mean for my Brooklyn property?

A lis pendens (Notice of Pendency in New York) is a public notice filed at the Kings County Clerk's office (360 Adams Street, Brooklyn) that a foreclosure lawsuit has been filed against your property. It creates a cloud on your title. It does NOT mean you must move out or that foreclosure is complete. In Brooklyn, the judicial process after a lis pendens filing typically takes 18–36 months. You have meaningful options including the mandatory CPLR 3408 settlement conference, loan modification, and other resolutions.

Can HOAPnet help with inherited or estate foreclosure properties in Brooklyn?

Yes. HOAPnet regularly assists Brooklyn homeowners who inherited a property and are facing or at risk of foreclosure — including situations where the deceased owner was behind on payments, the estate has not been fully probated, there are multiple heirs, or the property has both a mortgage and tax liens. HOAPnet helps navigate the legal and financial complexities of estate foreclosure at no cost.

What is the difference between a short sale and a deed-in-lieu in Brooklyn?

Both allow you to exit your Brooklyn home and have the mortgage debt cancelled, but they work differently. A short sale involves listing and selling the property to a third-party buyer, with the lender accepting less than owed and releasing the lien at closing. A deed-in-lieu involves directly transferring the deed to the lender without needing a buyer — faster and simpler, but requires the lender's agreement. Both can include deficiency waivers so you owe nothing after. HOAPnet coordinates both options for Brooklyn homeowners.

Does a foreclosure notice affect my ability to stay in my Brooklyn home?

No. Receiving a foreclosure notice (lis pendens, summons and complaint, or notice of default) does not require you to vacate your Brooklyn home. You have the right to remain in the property throughout the entire legal process. In New York, that process takes 18–36 months from the initial filing to any potential sale. Most HOAPnet cases are resolved long before that point through modification, short sale, or other means.

🏛️ Free Foreclosure Help · Kings County (Brooklyn) · All 70+ Neighborhoods

Free Foreclosure Help in
Kings County (Brooklyn), NY

Name: HOAPnet — Kings County (Brooklyn) Foreclosure Help
Address: 15 Artisan Ave., Huntington, NY, 11743, US
Telephone: +1-516-336-9293
Price range: Free

Facing foreclosure in Brooklyn? HOAPnet HOAP Counselors provide completely free foreclosure prevention services to homeowners in every Kings County neighborhood — from East New York and Canarsie to Bay Ridge and Sheepshead Bay. Loan modification, short sale, deed-in-lieu, legal referrals. Same-day response. Zero out-of-pocket cost.

County: Kings County, NY Courthouse: 360 Adams St, Brooklyn Response: Same-day Cost: Always Free

Get Free Help Now → 📞 (516) 336-9293

✓ 100% Free — No Hidden Fees ✓ Same-Day Response ✓ All 70+ Brooklyn Neighborhoods ✓ Licensed Real Estate Professionals ✓ Lender Negotiations Handled

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About This Page

HOAPnet HOAP Counselors have direct experience handling foreclosure cases throughout Kings County (Brooklyn) — including working with homeowners through the mandatory CPLR § 3408 settlement conference process at 360 Adams Street. This page is updated regularly to reflect current Brooklyn foreclosure conditions, ZIP code data, and NY law. All information is for general guidance and does not constitute legal advice.

Kings County, NY — 2025–2026

Foreclosure in Brooklyn — What You Need to Know Right Now

Brooklyn (Kings County) has seen foreclosure filings fluctuate significantly in recent years. According to PropertyShark and court records, NYC foreclosure auction sales nearly doubled in the first half of 2025 compared to the previous six months — with a significant concentration in Brooklyn neighborhoods including Canarsie, East Flatbush, East New York, Crown Heights, and Brownsville. These neighborhoods have historically high rates of owner-occupied 1–4 family homes with moderate income households — exactly the homeowners HOAPnet was created to serve.

New York's judicial foreclosure process gives Brooklyn homeowners more time and more legal protections than almost any other state in the country. The mandatory settlement conference under CPLR § 3408, held at Kings County Supreme Court at 360 Adams Street, requires your lender to negotiate in good faith before the foreclosure can proceed. With HOAPnet's free assistance, most cases are resolved at this stage — without the foreclosure ever completing.

18–36 mo

Typical Timeline

From lis pendens filing to any sale in Brooklyn's judicial process

2,402

Brooklyn Filings

Mortgage foreclosure filings in Kings County in 2022 (NYU Furman Center)

70+

Neighborhoods

Brooklyn neighborhoods served by HOAPnet — every ZIP code in Kings County

Your Cost

HOAPnet HOAP counseling is completely free to Brooklyn homeowners

⚠️ High-Need Zip Codes: ZIP codes with the highest historical foreclosure activity in Brooklyn include 11236 (Canarsie), 11207 (East New York), 11234 (East Flatbush/Flatlands), 11212 (Brownsville), 11213 & 11216 (Crown Heights), 11220 (Sunset Park/Bay Ridge), and 11203 (East Flatbush). If you are in one of these areas and behind on your mortgage, contact HOAPnet today — same-day response.

We Help With Every Hardship

Every Situation HOAPnet Helps With in Brooklyn

Foreclosure happens for many reasons. HOAPnet HOAP Counselors are experienced with every hardship — no situation is too complex or too far along.

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Job Loss or Reduced Income

Lost your job or had hours cut? HOAPnet helps Brooklyn homeowners apply for forbearance, modification, and repayment plans after income interruption — preserving your home while you recover.

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Medical Illness or Disability

Medical emergencies — your own or a family member's — are one of the most common causes of Brooklyn foreclosures. HOAPnet helps document medical hardship for loss mitigation applications.

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Divorce or Separation

When a marriage ends, who keeps the home and who pays the mortgage creates complexity. HOAPnet works with both parties, attorneys, and lenders to navigate divorce-related foreclosure in Brooklyn.

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Inherited or Estate Property

Inherited a Brooklyn property with mortgage arrears or an active foreclosure? HOAPnet handles estate foreclosure situations — including probate issues, multiple heirs, and tax lien complications.

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Adjustable Rate / Payment Shock

ARM resets and escrow increases leaving you unable to afford your payment? HOAPnet helps Brooklyn homeowners refinance, modify, or restructure loans with unaffordable adjusted rates.

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Reverse Mortgage Default

Reverse mortgage foreclosures are among the most distressing — and most common in Brooklyn's senior community. HOAPnet provides specialized reverse mortgage counseling and foreclosure prevention at no cost.

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Landlord / Rental Property

Brooklyn investors with 1–4 family rental properties facing foreclosure have specific challenges. HOAPnet helps landlords explore modification, short sale, and exit strategies that account for tenants and rental income.

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Death of a Spouse or Co-Borrower

The death of a co-borrower can trigger mortgage issues including servicer communication breakdowns and successor liability questions. HOAPnet helps surviving spouses and family members protect their Brooklyn homes.

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Overwhelming Debt / Bankruptcy

If foreclosure is just one of several serious debt problems, HOAPnet works alongside bankruptcy attorneys to evaluate whether Chapter 13 — which stops foreclosure through an automatic stay — combined with loss mitigation is the best Brooklyn strategy.

Facing foreclosure in Brooklyn? Same-day help available.

Free, confidential consultation for Kings County homeowners — all neighborhoods, all situations.

Get Free Help →

Your Choices

Every Option Available to Brooklyn Homeowners

HOAPnet evaluates all of these with you and pursues the best path — at zero cost.

Loan Modification Keep Home

Permanently change your mortgage terms — lower rate, extended term, capitalized arrears. Brooklyn lenders are required to evaluate you for modification at the CPLR 3408 settlement conference. HOAPnet prepares and submits the complete package.

Forbearance & Repayment Plan Keep Home

Temporarily pause or reduce payments while recovering from a hardship, then repay arrears over time. Best for temporary income disruption. HOAPnet assesses whether your hardship qualifies and manages the application process.

Reinstatement Keep Home

Pay all past-due amounts in a lump sum under RPAPL § 1341 to bring the loan current and dismiss the foreclosure lawsuit. HOAPnet calculates the exact reinstatement amount and negotiates with your servicer on payoff conditions.

Short Sale

Sell your Brooklyn home for less than owed with lender approval. The lender accepts proceeds as full satisfaction and releases the lis pendens at closing. HOAPnet coordinates the entire transaction including deficiency waiver negotiation at no charge.

Deed-in-Lieu

Voluntarily transfer the deed to your lender in exchange for dismissal of the foreclosure and cancellation of your mortgage debt. No buyers needed. HOAPnet negotiates terms including deficiency waivers and relocation assistance for Brooklyn homeowners.

Cash Sale at Market Value

If your Brooklyn property has sufficient equity, a cash sale pays off the mortgage and clears the lis pendens. HOAPnet connects you with experienced Brooklyn real estate agents who specialize in pre-foreclosure situations.

Foreclosure Defense & Legal Referral

NY law provides real defenses: lender standing challenges, RPAPL § 1304 90-day notice violations, statute of limitations, improper service. HOAPnet identifies defense opportunities and refers qualifying Brooklyn homeowners to free foreclosure defense attorneys.

Bankruptcy

Chapter 13 triggers an automatic stay that immediately halts Brooklyn foreclosure proceedings and allows you to catch up on arrears over 3–5 years. Chapter 7 can eliminate other debts to free cash for your mortgage. HOAPnet provides attorney referrals for qualifying homeowners.

⚠️ Avoid Foreclosure Rescue Scams: Brooklyn has a high concentration of foreclosure rescue scammers who charge upfront fees. HOAPnet is always free. Never pay anyone upfront to "stop your foreclosure" — call HOAPnet at (516) 336-9293 first.

New York Judicial Foreclosure

How the Foreclosure Process Works in Brooklyn

Kings County uses New York's judicial foreclosure system — one of the most homeowner-protective in the nation. Here is every stage and what it means for you.

90-Day Pre-Foreclosure Notice (RPAPL § 1304)

Before filing any lawsuit, the lender must send each borrower a specific 90-day pre-foreclosure notice by certified and regular mail. The notice must list housing counseling agencies and contain exact statutory language. Failure to comply is a potential defense to the entire foreclosure — HOAPnet checks compliance on every Brooklyn case.

Lis Pendens Filed at Kings County Clerk

The lender files a Notice of Pendency at the Kings County Clerk's office (360 Adams Street) and simultaneously files the Summons and Complaint in Kings County Supreme Court. This is a public record — it does not require you to leave and does not mean foreclosure is complete.

You Are Served — 20 to 30 Days to Respond

A process server delivers the Summons and Complaint along with an RPAPL § 1303 rights notice (required on colored paper). You have 20 days (personal service) or 30 days (other service) to file an Answer. Contact HOAPnet immediately — this is your most time-sensitive deadline.

Mandatory Settlement Conference — CPLR § 3408 (Kings County Supreme Court)

Held at 360 Adams Street, Brooklyn. The lender must appear with authority to negotiate and must evaluate you for all loss mitigation options. The foreclosure CANNOT proceed while conferences are ongoing. HOAPnet attends settlement conferences with Brooklyn homeowners. Under CPLR 3408(m), even if you missed your Answer deadline, you can file one within 30 days of appearing at your first conference.

Loss Mitigation Review & Resolution

During the conference period — which can last many months — HOAPnet submits your modification package, follows up with the servicer, and pursues the best resolution. Most Brooklyn cases HOAPnet handles are resolved here through loan modification, short sale, or deed-in-lieu.

Judgment of Foreclosure & Sale (If Unresolved)

Only if conferences are exhausted and no resolution is reached does the court issue a Judgment of Foreclosure and Sale. A court-appointed referee then schedules a public auction. You may reinstate the loan at any time before the final judgment (RPAPL § 1341). HOAPnet works to prevent this outcome in every case.

Complete Coverage

Every Brooklyn Neighborhood HOAPnet Serves

HOAPnet serves all 70+ named neighborhoods in Kings County (Brooklyn). Find your neighborhood and ZIP code below.

🔴 Highest-Need Areas — Historically Highest Foreclosure Activity

11207 — East New York 11208 — Cypress Hills / East New York 11236 — Canarsie 11212 — Brownsville 11203 — East Flatbush 11234 — Flatlands / Bergen Beach / Mill Basin 11213 — Crown Heights 11216 — Crown Heights / Bed-Stuy 11220 — Sunset Park / Bay Ridge 11233 — Bedford-Stuyvesant

🏙️ Central Brooklyn

Crown Heights Bedford-Stuyvesant (Bed-Stuy) Brownsville Ocean Hill Prospect Heights Prospect Lefferts Gardens Wingate Weeksville Stuyvesant Heights 11221 — Bushwick / Bed-Stuy 11225 — Crown Heights / PLG 11226 — Flatbush

🏘️ East Brooklyn

East New York Canarsie Cypress Hills Spring Creek New Lots Starrett City Highland Park City Line 11207 — East New York 11208 — East New York / Cypress Hills 11236 — Canarsie 11239 — Spring Creek

🌇 Flatbush & South Brooklyn

Flatbush East Flatbush Flatlands Midwood Marine Park Georgetown Bergen Beach Mill Basin Homecrest Kensington Ditmas Park Prospect Park South 11203 — East Flatbush 11210 — Flatlands / Midwood 11226 — Flatbush 11229 — Sheepshead Bay / Marine Park 11230 — Midwood / Kensington 11234 — Marine Park / Bergen Beach / Flatlands

🌊 Southwest Brooklyn (Bay Ridge, Bensonhurst, Sunset Park)

Bay Ridge Dyker Heights Bensonhurst Sunset Park Borough Park New Utrecht Fort Hamilton Boro Park Windsor Terrace 11204 — Bensonhurst 11209 — Bay Ridge 11214 — Bensonhurst / Bath Beach 11219 — Borough Park 11220 — Sunset Park 11228 — Dyker Heights 11232 — Sunset Park

🌇 Northwest Brooklyn (Bushwick, Williamsburg, Greenpoint, Downtown)

Bushwick Williamsburg Greenpoint Downtown Brooklyn DUMBO Brooklyn Heights Boerum Hill Cobble Hill Carroll Gardens Red Hook Gowanus Park Slope Clinton Hill Fort Greene 11211 — Williamsburg 11221 — Bushwick 11222 — Greenpoint 11231 — Carroll Gardens / Red Hook 11238 — Crown Heights / Prospect Heights

🏖️ South Brooklyn Coastline (Sheepshead Bay, Coney Island, Brighton Beach)

Sheepshead Bay Coney Island Brighton Beach Manhattan Beach Gravesend Bath Beach Gerritsen Beach Ocean Parkway Seagate 11223 — Gravesend 11224 — Coney Island 11229 — Sheepshead Bay 11235 — Brighton Beach / Manhattan Beach

Don't see your Brooklyn neighborhood? We serve all of Kings County.

Call (516) 336-9293 or submit the form below — same-day response guaranteed.

📞 Call Now

Simple Process

How HOAPnet Helps Brooklyn Homeowners — 4 Steps

Free Consultation

Call (516) 336-9293 or fill out the form below. Tell us your Brooklyn situation — completely confidential, no obligation.

Case Review & Strategy

Your HOAP Counselor reviews your mortgage, arrears, income, and goals — then identifies every option available including CPLR 3408 conference preparation.

Custom Action Plan

Your Counselor builds a tailored strategy for your specific lender, Brooklyn neighborhood, and timeline — keep your home or execute a clean exit.

We Execute Together

HOAPnet handles lender negotiations, modification paperwork, settlement conference prep, and all coordination until the goal is achieved. Always free.

Get Free Brooklyn Foreclosure Help Today

A HOAPnet HOAP Counselor will contact you the same day. 100% free — no fees, no obligations, completely confidential. Serving all Kings County (Brooklyn) neighborhoods.

First Name

Last Name

Phone Number *

Email Address

Property Address in Brooklyn

Brooklyn Neighborhood / ZIP Code

Your Situation *

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🔒 Completely confidential · No fees ever · Same-day response · Licensed professionals

Brooklyn Foreclosure FAQ — 13 Common Questions

The questions Brooklyn homeowners ask most when facing foreclosure — answered directly.

Kings County (Brooklyn) foreclosure cases are filed in the New York State Supreme Court, Kings County, located at 360 Adams Street, Brooklyn, NY 11201. The mandatory settlement conference under CPLR § 3408 is also held there, typically in the court's dedicated foreclosure settlement conference part. HOAPnet HOAP Counselors attend these conferences with Brooklyn homeowners at no cost.

New York's judicial foreclosure process is among the longest in the nation, giving Brooklyn homeowners significant time to resolve their situation. The typical timeline from the initial lis pendens (Notice of Pendency) filing at the Kings County Clerk's office to any foreclosure sale is 18 to 36 months — and often longer in contested cases. The mandatory settlement conference process alone can extend over many months. You do not have to leave your home during this time.

Based on PropertyShark data and 2025 court records, the Brooklyn ZIP codes and neighborhoods with historically the highest foreclosure activity are: 11236 (Canarsie), 11207 and 11208 (East New York and Cypress Hills), 11234 (East Flatbush, Flatlands, Marine Park, Bergen Beach), 11212 (Brownsville), 11213 and 11216 (Crown Heights), 11220 (Sunset Park and Bay Ridge), and 11203 (East Flatbush). HOAPnet specifically serves all of these high-need areas with free, same-day counseling.

The mandatory settlement conference under CPLR § 3408 is New York's most powerful homeowner protection in foreclosure cases. Held at Kings County Supreme Court (360 Adams Street), it requires the lender to appear with full authority to negotiate and evaluate you for all loss mitigation options including modification, forbearance, and repayment plans. The foreclosure cannot proceed to judgment while conferences are ongoing. HOAPnet HOAP Counselors help Brooklyn homeowners prepare for and attend these conferences — at no cost.

No. Receiving a foreclosure notice — whether a lis pendens, summons and complaint, or any other court document — does not require you to vacate your Brooklyn home. You have the right to remain throughout the entire legal process, which takes 18–36+ months in New York. You are only required to leave if and when a foreclosure sale is completed, a deed is delivered to a new owner, and a formal eviction proceeding is filed. Most HOAPnet cases are resolved well before this point.

HOAPnet's HOAP (Homeowner Assistance Program) services are genuinely free — no upfront fees, no contingency fees, no hidden charges at any point. This includes the initial consultation, case review, modification paperwork preparation, lender negotiation, settlement conference attendance, short sale coordination, and legal referrals. HOAPnet generates revenue through real estate transaction fees on transaction-based services — never by charging distressed homeowners. If anyone claiming to be from HOAPnet asks for money, call (516) 336-9293 immediately to verify.

A lis pendens (formally a Notice of Pendency in New York) is a public notice filed at the Kings County Clerk's office — located at 360 Adams Street, Brooklyn, NY 11201 — that a foreclosure lawsuit has been filed affecting your property's title. It does not mean you must leave, that foreclosure is complete, or that you have no options. In Brooklyn, the full judicial process after a lis pendens filing typically takes 18–36 months, and you have multiple legally-protected opportunities to resolve the situation. Contact HOAPnet immediately after receiving a lis pendens.

Yes, but it requires your lender's cooperation. The lis pendens creates a cloud on title that makes conventional sales difficult. A short sale — where the lender approves a sale for less than owed and releases the lis pendens at closing — is the most common solution for Brooklyn homeowners who cannot keep the property. HOAPnet coordinates short sales across all Brooklyn neighborhoods at no cost, including negotiating deficiency waivers so you owe nothing after the sale.

Yes. Estate and inherited property foreclosures are one of HOAPnet's specialties in Brooklyn. These situations often involve: the original borrower's estate not fully probated, multiple heirs with different goals, mortgage arrears accumulated during the decedent's illness, tax liens alongside the mortgage, and servicers who are unresponsive to family members who are not on the original mortgage. HOAPnet navigates all of these complexities and helps the family choose the best path — whether keeping or selling the Brooklyn property — at no cost.

For a standard loan modification application, you will need: the last 2 years of federal tax returns (all pages, all schedules), the last 3 months of pay stubs (or profit and loss statement if self-employed), the last 3 months of bank statements for all accounts (all pages), your most recent mortgage statement, a hardship letter explaining when and why you fell behind on payments, and a monthly income and expense worksheet. If you are self-employed, additional business documentation is required. HOAPnet prepares and organizes all of these documents on your behalf before submission to your servicer.

Brooklyn homeowners have several potential legal defenses under New York law: (1) Lender standing — the foreclosing plaintiff must own both the mortgage and promissory note at the time of filing; (2) RPAPL § 1304 non-compliance — defective 90-day pre-foreclosure notice; (3) RPAPL § 1306 non-filing with the NY DFS; (4) Statute of limitations — 6 years from loan acceleration; (5) Improper service; (6) CPLR 3408 bad faith at the settlement conference. HOAPnet identifies potential defense issues and refers qualifying Brooklyn homeowners to free foreclosure defense attorneys at no out-of-pocket cost.

Under RPAPL § 1371, a lender may seek a deficiency judgment in New York after a foreclosure sale if the sale price is less than the outstanding mortgage debt. However, the lender must move within 90 days of deed delivery, the deficiency is limited to the difference between the debt and fair market value (not just the sale price), and a deficiency judgment cannot be obtained if you were not personally served or did not appear. HOAPnet negotiates deficiency waivers in short sales and deed-in-lieu agreements so you have zero remaining mortgage obligation.

HOAPnet's HOAP (Homeowner Assistance Program) is unique in providing a complete, end-to-end service package: free counseling, full loan modification preparation and submission, direct lender negotiation, settlement conference attendance, short sale coordination from start to close, deed-in-lieu negotiation, and legal referrals — all under one program. Many other Brooklyn organizations provide counseling or legal representation but not the full transaction coordination that HOAPnet offers. HOAPnet's model generates revenue from real estate transactions, enabling truly free services to distressed homeowners.

Free Foreclosure Help inKings County (Brooklyn), NY