Facing Foreclosure in Suffolk County? You Have Options.
If you’ve received notice that your Suffolk County home is in foreclosure, you may feel like there’s nothing you can do. That’s not true. Federal law provides a powerful tool called Chapter 13 bankruptcy that can immediately stop your foreclosure and give you a structured path to keep your home.
We represent homeowners throughout Suffolk County, including Huntington, Islip, Babylon, Brookhaven, Smithtown, Riverhead, Patchogue, Bay Shore, Brentwood, Hauppauge, and Montauk. Suffolk County on Long Island encompasses a vast area from suburban communities to beach towns on the East End. Many homeowners face foreclosure due to high property taxes, flood insurance costs, and the financial strain of living in one of New York’s most expensive regions.
How Chapter 13 Bankruptcy Saves Your Home
Chapter 13 bankruptcy is specifically designed for individuals with regular income who want to keep their property while catching up on missed payments. Here’s what it does for you:
✅ Stops your foreclosure immediately: The federal automatic stay halts all foreclosure proceedings the moment your Chapter 13 petition is filed with the bankruptcy court.
✅ You stay in your home: Unlike Chapter 7, Chapter 13 is specifically designed to help you keep your property while restructuring your debts.
✅ Catch up on missed payments: Your repayment plan spreads missed mortgage payments over 3–5 years, making them manageable alongside your regular mortgage.
✅ Stop creditor harassment: All collection calls, letters, wage garnishments, and lawsuits must stop immediately under the automatic stay.
✅ Reduce other debts: Credit card balances, medical bills, and other unsecured debts may be significantly reduced through your plan.
Suffolk County Foreclosure Process
In Suffolk County, foreclosure is a judicial process governed by New York State law. Your mortgage lender must file a foreclosure action in Suffolk County Supreme Court. New York requires a mandatory settlement conference, providing homeowners an opportunity to negotiate with their lender before judgment is entered. If negotiations fail, the court can order a foreclosure sale. Filing a Chapter 13 bankruptcy petition at any point triggers an automatic stay that immediately halts the foreclosure. Suffolk County cases are filed in the U.S. Bankruptcy Court for the Eastern District of New York.
Attorney Michael Siddons has extensive experience filing emergency Chapter 13 petitions in Suffolk County to stop foreclosures, sometimes with just days to spare. Our office can prepare and file your petition quickly when time is of the essence.
Frequently Asked Questions — Suffolk County Foreclosure
How do I know if my Suffolk County home is in foreclosure?
In New York, foreclosure is a judicial process. Your lender must file a lawsuit in court. You will receive a summons and complaint, followed by court proceedings. If you’ve received any foreclosure-related paperwork, contact us immediately — the sooner you act, the more options you have.
Can Chapter 13 help with my Suffolk County property tax delinquency?
Yes. If you owe back property taxes, Chapter 13 allows you to pay those arrears over the life of your 3–5 year repayment plan while keeping your home. This prevents a tax lien foreclosure on your property.
What makes Siddons Law different from other Suffolk County bankruptcy firms?
Attorney Michael Alan Siddons holds the prestigious Martindale-Hubbell AV rating — the highest rating available for legal ability and ethical standards. Our firm has helped hundreds of New York homeowners stop foreclosure through Chapter 13 bankruptcy.
Is there an income limit for filing Chapter 13?
There is no strict income limit, but you must have regular income sufficient to fund a repayment plan. Your unsecured debts must be below $2,750,000. During your free consultation, we’ll evaluate your specific financial situation to determine if Chapter 13 is right for you.
Get Help Now
If you’re facing foreclosure in Suffolk County, don’t wait. Every day matters. Contact Siddons Law Firm today at (610) 255-7500 for a free consultation. We are a federally designated Debt Relief Agency and proudly help people throughout Suffolk County file for bankruptcy relief under the United States Bankruptcy Code.