When a foreclosure and a bankruptcy filing collide, the case gets more complicated than either one on its own. Filing Chapter 7 or Chapter 13 triggers an automatic stay that can pause a pending foreclosure sale, but only a lawyer who works both sides of that line, bankruptcy code and New York foreclosure procedure, can use that pause effectively. That might mean restructuring mortgage arrears into a Chapter 13 repayment plan, negotiating with the lender's bankruptcy counsel while a case is open, fighting a motion for relief from stay, or timing a Chapter 7 filing to buy a homeowner extra months before a sheriff's sale. This category covers 17 New York attorneys and firms who handle this overlap regularly, not just general bankruptcy filers or general foreclosure defense lawyers who occasionally see one cross into the other.
Because the stakes involve both a home and a credit history, the difference between an attorney who dabbles in this overlap and one who lives in it matters. Look for someone who can explain clearly how a stay actually affects your specific foreclosure timeline, who has real experience with your local bankruptcy court and county foreclosure calendar, who is upfront about fees before filing, and who treats a Chapter 13 plan as a genuine path to keeping the home rather than a delay tactic. Ask how many cases like yours they have closed, and whether they will still be reachable if the lender challenges the stay.
Our ranked guide scores these 17 attorneys on the factors that actually predict a good outcome: dual experience in bankruptcy and foreclosure law, responsiveness, fee transparency, and track record on stay-related motions. See the full breakdown at our best bankruptcy-related foreclosure relief attorneys in New York guide, and read our methodology for how we build and weight these rankings.
