Empowering Homeowners with the Knowledge to Fight Back
When a lender files a foreclosure action, most homeowners assume they have no options. In New York, that assumption is wrong. The law provides powerful defenses — statute of limitations bars, standing failures, FAPA violations, and notice defects — that go unchallenged every day simply because homeowners don't know they exist.
LMS closes that gap with a specific, limited-scope service: we review your case, identify every viable defense, and assist in preparing written materials based on publicly available information and your input, which you may choose to use in your own filings. We then walk you through how to e-file it yourself and arrange proper service on all required parties. You keep control. We give you the ammunition.
Explore Our Practice AreasHow We Work
Document-First Analysis
Every engagement begins with a thorough review of your docket and key court documents — the note, mortgage, assignments, default notices, and prior filings — because the defense is always in the paperwork.
Statute of Limitations Focus
The six-year clock under CPLR § 213(4) is the most powerful defense available. We analyze acceleration dates, prior filings, and FAPA applicability to determine if the clock has run — and draft the papers to say so in court.
Current Case Law
We track every significant NY foreclosure decision — including the Court of Appeals' landmark November 2025 rulings in Ponce De Leon and Van Dyke, and the 2026 Appellate Division decisions on FAPA retroactivity and post-judgment relief.
Homeowner-Only
We serve only homeowners — never lenders or servicers. There is no conflict between our mission and yours. Your home is the only priority.
Transparent, Limited Scope
Our engagement is clearly defined: we assist in preparing written materials you may use in your own filings. We do not appear in court, negotiate with the bank, or handle settlements. You always know exactly what we do — and what we don't.
Loan Modification Warning
Signing a loan modification can reset an expired statute of limitations — even if your lender's right to foreclose had already expired. Before signing anything, contact us to understand the impact on your defenses.
Who We Are
NY Foreclosure Services Specialist
Idris Abdus Saber founded Law Merchant Solutions to give New York homeowners access to sophisticated foreclosure defense knowledge — the kind typically reserved for those who can afford expensive legal teams. With deep expertise in CPLR limitations periods, UCC note holder requirements, and the rapidly evolving post-FAPA landscape, Idris has developed a systematic approach to identifying and raising the defenses lenders hope homeowners never discover.
LMS provides a clearly defined limited-scope service: reviewing the case file, identifying every viable defense, and assisting in preparing written materials you may choose to use in your own filings. This "brief-only" model keeps costs manageable while ensuring homeowners have professionally prepared opposition papers — not blank pages — when facing their lender in court.
LMS stays current on every significant New York foreclosure decision, including the Court of Appeals' landmark November 2025 rulings in Ponce De Leon and Van Dyke, the 2026 Appellate Division decisions confirming FAPA's retroactive constitutionality, and the critical warning that loan modification agreements can revive an expired statute of limitations even after it has run.
(718) 000-0000 · lawmerchantsolutions@yahoo.com
What Our Brief-Only Engagement Includes
- ✓ Reviewing the docket and key documents in your foreclosure case
- ✓ Identifying every potentially viable defense — standing, SOL, FAPA, notice defects, prior orders
- ✓ Assisting in preparing written materials (answer, motion, opposition) based on your documents and input
- ✓ Walking you through how to e-file the brief in your own name
- ✓ Arranging proper service on all required parties before any applicable court deadlines
- ✗ Appearing in court for oral argument
- ✗ Negotiating with the bank or its representatives
- ✗ Handling settlement or loan modification discussions
- ✗ Representing you in any related or future actions or appeals
Important: LMS is a community service provider, not a law firm. We strongly recommend also consulting a licensed New York attorney experienced in foreclosure defense. LMS does not provide legal advice.
From Consultation to Courtroom
Case Review
A 45-minute consultation ($295) where we review your loan documents, court filings, and timeline to identify every potential defense — SOL, standing, FAPA, and notice defects.
Docket & Document Review
We pull and review the full court docket and key documents — note, mortgage, assignments, default notices, prior actions — identifying every vulnerability in the lender's case.
Brief Preparation
We assist in preparing written materials based on publicly available information and your input, which you may choose to use in your own filings. We walk you through how to e-file in your own name and arrange proper service on all parties.
You File, You Control
The brief is filed in your name. You remain in control of your case. Our engagement ends at filing — we do not appear in court, negotiate with lenders, or handle appeals.
Schedule Your Foreclosure Defense Consultation
Tue / Wed / Thu · 11 AM – 3 PM · 45-minute sessions · $295 flat fee