Foreclosure Defense in Boston

Boston is in Massachusetts, which is a non-judicial foreclosure state. Massachusetts allows non-judicial foreclosure through power of sale, though judicial foreclosure is also available. The non-judicial process takes approximately 90-120 days. Massachusetts provides borrower protections through M.G.L. c. 244, including the right to cure the default and the requirement that the foreclosing party demonstrate clear chain of title. The servicemembers' civil relief protections are particularly robust in Massachusetts.

In Massachusetts, since it is a non-judicial state, there is no lawsuit to answer — but you must act quickly once you receive a Notice of Default. The timeline is short, and your options narrow the closer you get to the sale date.

Boston's Department of Neighborhood Development provides foreclosure prevention counseling. Greater Boston Legal Services offers free foreclosure defense representation. The Massachusetts Division of Banks regulates mortgage servicers and investigates borrower complaints.

Yes, it is possible to keep your home even after the foreclosure process begins. Options include reinstating the loan (paying the past-due amount), negotiating a loan modification, filing for bankruptcy (which stops the foreclosure immediately via the automatic stay), or raising legal defenses that challenge the lender's right to foreclose. In Massachusetts, many homeowners successfully save their homes through these methods — but early action is critical.