FAQs & Resources

Frequently asked questions about Foreclosure

What can I do if I am at risk of a foreclosure?
Contact the Attorney General Prevention Hotline 855-HOME-456

When In the foreclosure process do I have to move out of my house?
Many times people move from their homes before they have to. You can legally stay in your home until the title changes after the foreclosure Auction is held.

Will the bank continue to pay the taxes after I default?
In most circumstances banks will pay your property taxes to protect their interest in the property, and avoid losing their investment though tax auction. However, a bank may stop paying taxes at anytime if they decide that the property is not worth their investment, leaving municipalities to clean up their messes.

Will a foreclosure stay on my credit report?
A foreclosure can stay on your credit report for 7 years.  However, until you have resolution your credit will be affected from the time you began having late payments.

What are some of the impacts of living near a vacant and abandoned property?
Diminished property values

  • Neighbors adjacent to the vacant and abandoned properties are at risk of losing homeowners insurance
  • Crime
  • Rodent Infestation

List of community Providers

Federal Housing Administration



TDD 1-800-877-8339

New York State Office of the Attorney General Homeowner Protection Program



ACCESS of Western New York
609 Ridge Road

Lackawanna, N.Y. 14218


Fax (716) 332-5924


Belmont Housing Services of WNY
1195 Main Street

Buffalo, N.Y. 14209


Catholic Charities of WNY

Catholic Charities of Buffalo
741 Delaware Avenue
Buffalo, NY 14209

Lackawanna Stakeholders Coalition