Empire Justice Center’s Foreclosure Guide is designed to address the needs of homeowners facing foreclosure. This guide contains general legal information about the foreclosure and settlement conference processes. It is NOT a substitute for legal representation, and if possible you should consult an attorney. However, we understand that attorneys can be expensive. If you are not able to hire an attorney to represent you, this guide should provide you with the knowledge to represent yourself in the foreclosure proceeding. This guide will give you basic information to help you understand the foreclosure timeline and will help you participate in the Foreclosure Settlement Conference, which may assist you in reaching an agreement with your lender. It covers important foreclosure prevention terms, the foreclosure process in general, stages of foreclosure, and more.