When home feels uncertain,
start here.

Clear answers about foreclosure. Support for the parts that feel hard.

This free guide helps teens and families understand New York mortgage foreclosure and find trusted help. You did not cause this. You do not have to solve it on your own.

01 · Understand what’s happening →

Start with the basics, then explore the New York process.

02 · Find help for an adult →

Share housing-counseling and legal-aid resources with a parent or trusted adult.

03 · Take care of yourself →

Ask for support with stress, school, or bullying.

Received court papers? An adult should seek legal help promptly. Court papers can have short deadlines. Do not wait for a conference to respond. New York HOPP referrals: 855-466-3456.

General education, not legal advice. This site focuses on New York mortgage foreclosure. Read the scope and sources policy.

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Why I made Foreclosure Decoded

Hi, I'm Ellie, a sociology student at UCLA and the creator of Foreclosure Decoded.

During a legal internship in New York, I saw how hard foreclosure can be to understand, especially for young people affected by it. I created this site to make the language clearer and put useful support in one place.

You deserve information you can understand, without being made responsible for an adult's legal or financial problem. This site offers general education and links to qualified help. It does not provide legal advice or promise a particular result.