Bill > A07188

This bill provides legal protections for homeowners facing mortgage foreclosure by ensuring access to free legal representation for those who cannot afford an attorney. Specifically, the bill amends existing New York state laws to establish a right for financially disadvantaged homeowners to receive court-assigned counsel during foreclosure actions. The bill requires that foreclosure notices now include information about the potential availability of assigned counsel, alerting homeowners that they may be entitled to free legal representation if they cannot afford a lawyer. The legislation modifies the county law to expand the scope of court-appointed counsel to include foreclosure actions, not just criminal cases or family court proceedings. Additionally, the bill mandates that county governing bodies create plans to provide counsel for homeowners who are financially unable to obtain legal representation in foreclosure proceedings. By making these changes, the bill aims to help protect homeowners from losing their homes by ensuring they have legal support during foreclosure actions, particularly for those who might otherwise be unable to navigate the legal process without professional guidance.

Justice

https://www.nysenate.gov/legislation/bills/2025/A7188