Stage 8: (If Settlement Conference was unsuccessful) Post-Judgement

Once a Judgment of Foreclosure and Sale has been signed, a sale date is set and the property is sold at public auction. After the auction to sell the property, you will not have too much time to find a new place to live. If you do not move out on your own, you will be served with eviction papers.

It bears repeating that there is help available. You may speak with a HUD-approved housing counselor by contacting an agency at this link. If you are going to represent yourself in the Settlement Conference process, by preparing ahead of time, gathering all your documents and attending all the Settlement Conferences, you are in a much better place to successfully keep your home. Although the Settlement Conference can be long and challenging, it has allowed many New Yorkers to keep their homes.