Queens County Foreclosure Resources
Complete guide to the foreclosure process in Queens County, New York. Courthouse addresses, filing procedures, timelines, mediation options, and local legal aid — everything you need to defend your home.
Response within 24 hours
Foreclosure Type
Judicial
Avg. Timeline
600+ days
Mediation
Available
Population
2.3 million
Queens County Foreclosure Timeline
New York is a judicial foreclosure state. Every foreclosure must go through the Circuit Court of Queens County, giving homeowners significant procedural rights and time to mount a defense.
The lender must mail a 90-day pre-foreclosure notice to the borrower before starting a Queens foreclosure, and advise contact with a housing counseling agency. Strict § 1304 compliance is a required gateway to filing.
The lender files a foreclosure summons and complaint with the Queens County Supreme Court (Jamaica) and serves them with the mandatory 'Help for Homeowners' notice. Responding in time is essential to keep a voice in the case.
For primary residences, a CPLR § 3408 foreclosure settlement conference is automatically scheduled in the Queens Foreclosure Part. Good-faith negotiation across multiple hearings often yields a modification.
Unresolved cases move to discovery and motions under strict standing requirements. If judgment is granted, a referee computes the amount due and the court enters a judgment of foreclosure and sale.
A referee conducts a public auction and the court confirms the sale. The lender must seek any deficiency judgment within 90 days of the referee's deed. Queens foreclosures run years on the New York timeline.
Courthouse & County Offices
Queens County Supreme Court (Foreclosure Part)
88-11 Sutphin Blvd, Jamaica, NY 11435
(718) 298-0006
Mon–Fri 8:30AM–5:00PM
Queens Civil Court — Housing Part
89-17 Sutphin Blvd, Jamaica, NY 11435
(718) 262-7500
Mon–Fri 9:00AM–5:00PM
Clerk of Court
Queens County Clerk
Foreclosure actions in Queens are filed in and processed by the Queens County Supreme Court, which operates the Foreclosure Part and settlement conferences.
County Recorder
Queens County City Register (ACRIS)
Sheriff / Sale Info
NYC Sheriff (Queens County)
164-11 Jamaica Ave, Jamaica, NY 11432
(212) 967-7700
A court-appointed referee conducts Queens foreclosure auctions, not the Sheriff. The NYC Sheriff or a marshal executes the eviction after the court issues a warrant of eviction.
Foreclosure Mediation in Queens County
Mandatory for owner-occupied, one-to-four-family residences. A settlement conference is automatically scheduled at the commencement of the Queens foreclosure action and supervised by the court through good-faith negotiation.
Filing Requirements
- •90-day pre-foreclosure notice (RPAPL § 1304) must be mailed before filing
- •Summons and complaint must include a 'Help for Homeowners' notice (RPAPL § 1303)
- •Homeowner should respond within the statutory period to preserve defenses
- •Mandatory settlement conference is automatic for owner-occupied properties
- •The lender must demonstrate standing to foreclose
- •A referee conducts the sale; a deficiency judgment must be sought within 90 days of the deed
Key Statutes
Real Property Actions & Proceedings Law (RPAPL)
N.Y. RPAPL §§ 1301-1393
New York's foreclosure statute, including the 90-day pre-suit notice (§ 1304) and help-for-homeowners notice (§ 1303).
Civil Practice Law & Rules § 3408
N.Y. CPLR § 3408
Mandatory settlement conferences for owner-occupied residential foreclosures.
New York Homeowner Protection Program
N.Y. Executive Order / HCR programs
State-managed foreclosure defense and housing-counseling network that connects Queens homeowners with free legal and counseling support.
Right of Redemption
New York provides no statutory post-sale right of redemption. In Queens, the extended judicial process provides extensive pre-sale time to cure, modify, or negotiate — there is no reclaiming the home after the referee's sale is confirmed.
Deficiency Judgments
The lender may seek a deficiency judgment if the sale does not cover the debt, moving within 90 days of the referee's delivery of the deed. The court sets fair market value and limits the deficiency to the shortfall. Court supervision protects Queens borrowers at the deficiency stage.
Legal Aid
Queens Legal Services (Legal Services NYC)
Free civil legal services for qualifying low-income Queens residents, including foreclosure defense and settlement-conference representation.
Legal Aid Society — Foreclosure
Free legal representation in foreclosure matters for qualifying New Yorkers, including Queens.
Frequently Asked Questions
What happens at a Queens foreclosure settlement conference?+
After a foreclosure is filed on your Queens primary home, the Queens County Supreme Court automatically schedules a CPLR § 3408 conference. You, your attorney or counselor, and the lender's attorney negotiate with a judge or court attorney across several hearings. Both sides must negotiate in good faith, which often leads to a loan modification or other resolution.
How long does a Queens County foreclosure take?+
If you answer and engage in conferences, the case typically spans 2-4 years or more. The long New York timeline is consequential — it gives you room to cure arrears, negotiate a modification, complete a short sale, or assert defenses.
Is the lender's 90-day notice really required before my Queens foreclosure?+
Yes. For most residential mortgage loans on owner-occupied, one-to-four-family homes, RPAPL § 1304 requires a 90-day pre-foreclosure notice mailed before the action starts. If the lender does not strictly comply, the failure can support dismissal of the case.
What is Chhaya's role for foreclosure help in Queens?+
Chhaya Community Development Corporation is one of the community-based counseling agencies serving South Asian and other Queens homeowners. It offers housing counseling and connects clients to free foreclosure resources. You can also always start with a New York State HCR-approved counselor.
Will I owe a deficiency after a Queens foreclosure?+
Potentially, but it is court-supervised. The lender has 90 days after the referee's deed to move for a deficiency judgment, and the court determines the fair market value — the deficiency is limited to the debt minus that fair value, and you receive notice and an opportunity to respond.
More Resources for Queens County Homeowners
New York Foreclosure Laws
Complete state-level guide to foreclosure laws, timelines, and homeowner protections.
Foreclosure Defense
Comprehensive defense strategies to stop or delay foreclosure in any U.S. county.
Free Case Review
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