Foreclosure defense

You have worked too hard to let the bank take your house. We have experience representing homeowners like you in the foreclosure process. The most important step in fighting a foreclosure action is making sure that you file a timely response to the foreclosure complaint. Foreclosure Complaints filed by the banks are often full of defects, we know what to look for and use our experience to help you fight to keep your house. 


In Foreclosure actions involving home loans, borrowers are entitled to a foreclosure settlement conference. We have experience representing borrowers in foreclosure settlement conferences and assisting borrowers in negotiating a mortgage modification.

Common Foreclosure Defenses

  • Failure to provide the notice required by RPAPL 1304

  • Lack of Standing

  • Lack of Service

  • Improper Service

  • Statute of Limitations has expired

Family Viewing House

The attorneys at The Law Office of Charles A. Higgs are experienced in fighting back against the banks and mortgage companies in foreclosure cases. You have worked too hard to let the bank take your house without a fight. Foreclosure cases often contain procedural deficiencies and other errors, let us use our experience to expose their errors.