Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
If you did not sign a reaffirmation agreement, then you are not on the hook for payments.
This is a good site that has the NY foreclosure process
You can file an answer, which buys you more time.
you can also argue amounts due, payments posted etc. to make them prove the figures, which will buy you some more time as well.
Let me know if you have any other questions once you read that pdf
good luck and thank you for your question
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).