Let’s Slow It Down for a Second. Here’s What You Should Know.

If you’re feeling overwhelmed, anxious, or like things are happening too fast, take a breath. Foreclosure feels urgent, but it’s actually a slow legal process—especially in New York.

Here’s why you don’t have to panic:

• Foreclosure in New York Takes Time

It can take months or even years from the first missed payment to actually having to leave the home—if it even gets that far.

• Your Family Has Options

There are rights built into the law that give your family chances to respond, negotiate, and push back.

• You’re Not Alone

Thousands of families in New York go through this every year. It’s common—and more people understand than you think.

• Help Exists

Free legal services, housing counselors, and even the court system itself are set up to make sure your family gets a fair chance to stay in your home.

• You’re Allowed to Feel What You Feel

Confused? Upset? Numb? That’s all okay. There’s no “right” way to deal with something like this.