You are right to seek immediate review of your situation by a skilled lawyer. You might try getting a modification lawyer - one that works all the time in dealing with negotiations on such matters.
You might find my Legal Guide helpful "How to Choose A Lawyer For You"
You might find my Legal Guide helpful " What Do I Tell My Lawyer"
You need a lawyer licensed in NY. Check with a lawyer in your locale to discuss more of the details.
Good luck to you.
God bless. I am in Chicago, IL.
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The two most important things you can do to protect your interests are: a) consult a competent foreclosure attorney as soon as possible; and b) do NOT default in filing and serving an answer to the foreclosure complaint within the time specified in the Summons.
If you cannot afford an attorney, check with the nearest Legal Aide office or county bar association to see if they can assist you. You can also call the Homeowner's HOPE? Hotline at 888-995-HOPE?, or the New York State Bar Association Lawyer Referral Service at 1 (800) 342-3661. Finally, if you have internet access I recommend that you visit this address, to view a video about saving your home from foreclosure: http://220.127.116.11/peopleslaw/SaveYourHome.htm
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