What Is It?

It’s a court-mandated meeting between you, your lender, and a court attorney. It’s required in most NY foreclosure cases and usually happens 45–60 days after you’re served.

Why It Matters

This is your chance to:

• Apply for a loan modification
• Request loss mitigation options
• Propose a short sale or forbearance
• Delay the case while you prepare to sell

What to Bring

• Proof of income
• Hardship letter
• Budget and expenses
• List of questions or alternatives (short sale, cash buyer, etc.)

Pro Tip

You don’t need to go alone. You can bring a housing counselor, attorney, or even a real estate advocate (like us) to help explain your options.