Under New York State law, the mortgage holder must mail you a 90 Day Pre-Foreclosure Notice at least 90 days before starting a foreclosure case. The notice must be mailed to you by regular and certified mail. This notice is important. It gives you a chance to see if you can work with the mortgage holder to avoid foreclosure. If you don’t get a notice or a correct notice before a court case is started against you, this is a reason that the court can dismiss the case (see Common Defenses in a Foreclosure Case).
The notice says:
If you get this notice do not wait to get help from one of the free or low-cost government approved foreclosure housing counseling groups.