These Foreclosure Forms are for All Courts that preside over Residential Foreclosure Cases. New York is a judicial foreclosure state, which means that the lender has to sue the borrower in order to enforce their rights under the mortgage and note.If you have an interest in a property, you can register with the Department of Finance to receive a Notice of Foreclosure for an In Rem property or properties. Notification is also required within 15 days of: • Issuance of a judgement in a foreclosure action. • Sale of foreclosed property. In New York, a judgment lien can be attached to the debtor's real estate -- meaning a house, condo, land, or similar kind of property interest. Filing foreclosure complaint. After waiting 90 days, the lender can go to court and file a complaint against you to foreclose on your property. To determine if you are eligible for a short sale, reach out to our trusted Bronx law firm right away when you call 718.354. 8027 or complete an online form.