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About Us

We are a foreclosure defense and bankruptcy law firm servicing clients in Queens, Brooklyn, Bronx, Manhattan, Nassau, Suffolk and Westchester Counties.  Our foreclosure lawyers offer personalized legal representation to our clients to achieve the best results possible. If you have been served with a notice of foreclosure by your bank or have been served with a summons and complaint, our New York foreclosure attorneys can defend you and help you stay in your home.  Foreclosure is a very stressful and daunting process, but you do not have to lose your home.  We will take the time to explain the process of defending you in your foreclosure case.  By consulting a foreclosure attorney at our firm as soon as possible, you can fully understand your options and fight to stop foreclosure.  Review our Success Stories to see how we’ve helped homeowners modify they mortgages and stop their foreclosure in New York.

Are you drowning in debt? Are you feeling stressed about your finances? Are your wages being garnished? Our Queens bankruptcy lawyer will get you out of debt. We will take the time to explain the process of filing for bankruptcy, and our low fees make it possible for most people to file and get a fresh start.  A Chapter 7 bankruptcy attorney can eliminate debt, stop collections, stop wage garnishment, stop the eviction process, stop foreclosure, and get rid of old IRS debt as well as judgments.  Most people file Chapter 7 bankruptcy to get rid of credit card debt and medical bills, and are surprised to learn that the benefits of filing extend far beyond wiping out that debt.  Filing for bankruptcy is usually a great step towards re-building your credit.

An Overview of Our Practice Areas

Foreclosure Defense

Are you a homeowner in or near New York City who is behind on mortgage payments? You are likely feeling stressed, possibly even overwhelmed by the prospect of losing your home to foreclosure. Our New York foreclosure defense attorneys are committed to helping people protect their rights and save their home. We provide comprehensive, solutions-driven foreclosure defense representation. 

Loan Modification

A mortgage loan modification may be the best option for catching up on mortgage payments and saving your home. A loan modification is a mutually agreed upon adjustment of the terms of a mortgage. It could lead to a waiver of penalty & fees, a reduced interest rate, a longer term, and, importantly, a lower monthly payment. Our New York loan modification attorneys are here to help. 


Bankruptcy is complicated. If you are dealing with serious financial distress, you do not have to navigate the bankruptcy process alone. We help people and families find lasting financial stability. Our New York personal bankruptcy lawyers have the skills and experience to help people with: 

  • Chapter 7 Bankruptcy: Chapter 7 is a liquidation bankruptcy. It allows people to eliminate (discharge) many or all of their debts, including things like credit card bills and medical bills. Contact our New York Chapter 7 bankruptcy attorney for immediate help. 
  • Chapter 13 Bankruptcy: Chapter 13 is a reorganization bankruptcy. It lets people roll many or all of their debts into one affordable monthly payment. A repayment plan is usually three to five years. Contact our New York Chapter 13 bankruptcy lawyer for help with your case. 

Foreclosure in New York: Frequently Asked Questions (FAQs)

How Long Do Lenders Wait to Start a Foreclosure?

In New York, a lender must send a 90-day pre-foreclosure notice before starting the process. This means that lenders typically do not start foreclosure for at least 120 days—or four months of missed payments. That being said, lenders are aggressive. They rarely wait much longer. 

Is New York a Judicial Foreclosure State?

Yes. New York is a judicial foreclosure state. In effect, this means that a lender needs to sue a homeowner and take the matter to court to enforce their rights and carry out a foreclosure.

How Do You Defend Against a Foreclosure in New York?

There are a number of different foreclosure defense options available. Our New York foreclosure defense attorneys help people stop and resolve foreclosures through refinancing, loan modification, short sales, bankruptcy filings, and other options. 

Bankruptcy in New York: Frequently Asked Questions (FAQs)

How Do Bankruptcies Work?

Bankruptcy is a court-supervised legal process through which a financially distressed borrower (individual or entity) can take action to resolve their debt. Bankruptcy may result in the discharge (elimination) or restructuring (reduction) of outstanding debt(s). 

Should I File for Bankruptcy?

It depends entirely on your specific circumstances. While non-bankruptcy alternatives should always be evaluated, filing for bankruptcy may be the best path forward for a person who is falling further behind on their bills and has no reasonable ability to catch up on their payments in the coming months. 

What Happens When You Claim Bankruptcy?

You will need to file a bankruptcy petition. When you submit such a petition, the first thing that happens is that you will be entitled to an automatic stay. Based on federal law, all collection efforts by creditors and debt collectors must be temporarily halted. 

Schedule Your Free, Strictly Confidential Consultation Today

At Poltielov & Habib, LLP, we are committed to providing top quality, fully personalized guidance and support to people and families who are navigating challenging financial times. If you need help with foreclosure defense, loan modification, or personal bankruptcy, our attorneys are here as a legal resource. Contact us today to set up your free, strictly confidential consultation. With an office in Queens, we serve communities in New York City and throughout the wide region. 

Here’s What Our Clients Are Saying

          Rafael Ariel PoltielovClients’ ChoiceAward 2018            Rafael Ariel PoltielovClients’ ChoiceAward 2017        Rafael Ariel PoltielovReviewsout of 17 reviews