At New York, New York foreclosure in court or outside the court, it is advised to take a decision based on the property, value, location. Normally lender has to send a written notice / intimation to the owner of the property which is not must at New York.
If the lender files a case against the borrower of the money, court will intimate the borrower about the filed California, Nevada and Florida. Foreclosures are highest in Nevada compare to other 2 states. Still foreclosure in United States is increasing year-by-year which is not a good sign for a country to develop in the forthcoming years which may hit very badly.