A new law passed in February 2010 gives ALL mortgagors the right to a mandatory settlement conference. These conferences are simply a meeting between you, your lender, and a judge/court mediator. The end goal would be to work out an arrangement concerning the delinquent mortgage. The meetings are conducted face to face, and will typically be held in the Supreme Court Chambers of your jurisdiction.
The Housing Council at PathStone has the ability to help homeowners obtain legal counsel in this matter. The majority of our clients end up being referred to Empire Justice, Volunteer Legal Services, or Legal Aid Society. We are very successful in obtaining legal counsel for the majority of our clients.