Mobilization for Justice’s Foreclosure Prevention Project (“FPP”) is dedicated to protecting NYC homeowners and their family members at risk of losing their homes. We work to ensure that low- and moderate-income individuals and families in all five boroughs have access to the legal support they need to preserve their housing and avoid the devastating effects of homelessness.
FPP’s mission is to preserve long-term homeownership through direct legal representation, advocacy, and outreach. We strive to empower vulnerable individuals and communities disproportionately impacted by foreclosure, ensuring equal access to justice and housing stability.
What We Do
Since 2008, FPP has provided free legal services to homeowners facing foreclosure and other homeownership issues due to economic hardship, predatory lending, property tax arrears, and other systematic barriers. Our services include:
- Foreclosure Defense: Legal representation in foreclosure proceedings, both judicial and non-judicial (co-ops), and legal advice where representation is not possible.
- Appellate Litigation: Legal representation on appeal from trial-level foreclosure proceedings, especially in the Second Department.
- Affirmative Litigation: Legal representation in affirmative litigation, both state and federal, to remedy predatory and hard-money lending and to enforce federal servicing regulations.
- Deed Theft: Assisting homeowners regain title/ownership lost through fraud or forgery.
- HDFC & Mitchell-Lama Co-ops: Helping shareholders and their family members navigate by-laws and proprietary leases, and providing advice regarding building-wide financial mismanagement.
- Home Retention Assistance: Helping homeowners navigate and apply for loan modifications and emergency grant programs to bring loans current.
- Property Tax Foreclosure Prevention: Addressing arrears and liens, for both property taxes and water charges, and helping clients access relief programs.
- Bankruptcy Advice and Referral: Guiding clients on whether bankruptcy may be an appropriate option to save their home.
Highlights of Our Work
We take pride in the meaningful impact we’ve had on our clients’ lives. A few examples include:
- Defending a senior homeowner who was facing foreclosure due to a reverse mortgage error, allowing her to remain in her home.
- Canceling a mortgage on a family home after the homeowner faced repeated, unsuccessful foreclosure actions.
- Securing a $55,000 One Shot Deal for a single mother who fell behind on payments during a medical crisis, helping her stay current and avoid a tax lien foreclosure.
- Voiding a fraudulent deed for a home passed down through multiple generations, allowing the homeowners to remain in their home.
These cases illustrate the real difference that access to legal representation can make for individuals, families, and entire neighborhoods.
Contact Us
If you are facing or at risk of foreclosure, or you are dealing with non-foreclosure related homeownership issues, or you have questions about your rights as a homeowner or heir, please reach out. We’re here to help regardless of what borough you live in.
Our intake line is live on Tuesdays from 12:00 pm to 5:00 pm and is open for voicemails at all other times. We strive to return voicemails within two business days. Please call us at (212) 417-3777.
Waterfall Worksheets
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