The simplest solution for foreclosure in New York would likely be to contact your lender and work out a plan to bring your mortgage payments current. This could include a loan modification, which would change the terms of your loan to make it more affordable, or a forbearance, which would temporarily reduce or postpone your payments.
If your lender is willing to work with you, this could be the quickest and simplest way to stop foreclosure proceedings. You can also contact the Homeowner Protection Program or the Making Home Affordable Program for free counseling and assistance.
It’s important to note that foreclosure is a serious matter and it’s recommended to seek professional help from a housing counselor or attorney in order to understand your rights and options.