When your landlord files an eviction case against you in New York, they're not guaranteed to win just because they filed papers. The law provides numerous defenses that can result in your case being dismissed, delayed, or resolved in your favor—but only if you know they exist and properly assert them.
Understanding which defenses apply to your specific situation is what separates tenants who lose by default from those who successfully fight evictions and remain in their homes.
How Eviction Defenses Work in New York
New York doesn't use the term "unlawful detainer"—eviction cases are called "summary proceedings" or "holdover/nonpayment proceedings." But the concept is the same: your landlord is trying to remove you, and you have legal defenses to stop them.
Two categories of defenses:
Affirmative defenses:
- Attack landlord's legal right to evict
- Even if landlord's facts are true, they still can't evict you
- Must be raised in your written Answer
- Examples: retaliation, improper service, rent stabilization violations
Denials:
- Challenge landlord's factual claims
- "That's not what happened" or "I don't owe that money"
- Also raised in Answer
- Examples: rent already paid, wrong amount claimed, wrong tenant
Why asserting defenses matters:
- If you don't raise defenses in your Answer, you waive them
- Can't bring them up at trial if not in Answer
- Specific defenses require specific language
- Generic Answer loses specific protections
The Answer is critical: Your written response to the eviction petition must list every defense that applies. Missing the deadline to file Answer or filing incomplete Answer loses cases that should be won.
Understanding Nonpayment vs. Holdover Cases
Defenses vary dramatically based on case type, so understanding which you're facing is essential.
Nonpayment cases:
- Landlord claims you owe rent
- Specific dollar amount demanded
- Usually predicated by 14-day rent demand
- Can be cured by paying arrears
- Focus on whether rent is actually owed
Holdover cases:
- Landlord claims your right to occupy has ended
- Not primarily about money
- Various grounds: lease expired, no lease, illegal occupant, owner needs unit
- Can't be "cured" by payment
- Focus on whether landlord has legal grounds to terminate tenancy
Why this distinction matters: Some defenses apply to both. Others are specific to case type. Knowing which case you're defending determines which defenses to assert.
Basic Procedural Defenses: Attacking How the Case Was Started
Procedural defenses challenge whether the landlord properly initiated the eviction, regardless of the underlying facts.
Improper or Missing Predicate Notice
What predicate notices are: Before filing eviction, landlord must serve required notice giving you opportunity to cure or leave.
For nonpayment cases:
- 14-day rent demand (sometimes called "14-day notice")
- Must demand specific amount owed
- Must give 14 days to pay before filing
- Must be properly served
For holdover cases:
- Notice depends on grounds and tenancy type
- Lease expiration: may require 30, 60, or 90-day notice
- Month-to-month: usually 30 days
- No lease: 30 days in most cases
- Good Cause areas: must state legitimate grounds
Common defects:
Wrong time periods:
- Rent demand gave less than 14 days
- Termination notice didn't provide required notice period
- Days counted incorrectly
Insufficient information:
- Didn't specify amount owed
- Didn't identify time period for rent
- Vague or unclear demands
- Missing required legal language
Improper service:
- Not served in legally acceptable manner
- Served on wrong person
- No proof of service
- Timing too close to court filing
Defense strategy: If predicate notice is defective, landlord must start over with proper notice. Case gets dismissed, though landlord can refile after proper notice.
Improper Service of Notice of Petition and Petition
What must be served:
- Notice of Petition (tells you about court case and date)
- Petition (landlord's claims and demands)
- Must be served together
Legally acceptable service methods:
Personal service (best for landlord):
- Handed directly to you
- Anywhere landlord finds you
- Most difficult to challenge
Substituted service:
- Delivered to person of suitable age and discretion at your home or business
- Plus mailing to your home address
- Both parts required
Conspicuous place service:
- Posted on your door in secure manner
- Plus mailing to your home
- Both parts required
- Only if personal and substituted service failed
Service timing requirements:
- Must be served at least 10 days before first court date (14 days in some cases)
- Doesn't include day of service or court date in count
- Weekends and holidays may not count depending on situation
Common service defects:
Wrong method:
- Posted on door without mailing
- Mailed but not also personally served or posted
- Left with someone inappropriate (child, visitor, etc.)
Wrong timing:
- Served too close to court date
- Not enough days before appearance
Wrong address:
- Served at location where you don't live
- Mailed to wrong address
- No proof service sent to your actual residence
No proof:
- Landlord can't prove service occurred
- Affidavit of service missing or defective
- Conflicts in service evidence
Defenses based on service defects:
Lack of personal jurisdiction:
- Court has no power over you if not properly served
- Strong defense requiring case dismissal
- Can be raised at any time (not waived)
Insufficient notice:
- Not enough time to prepare
- Request adjournment or dismissal
- Can reopen default if you missed court due to bad service
How to prove service was improper:
- Your testimony about where you were
- Witnesses who were at your home
- Photos showing nothing posted on door
- Mail logs showing nothing received
- Contradictions in landlord's affidavit of service
Wrong Party: Standing and Identification Defenses
Landlord lacks standing:
- Petitioner isn't your actual landlord
- Not the owner or authorized management
- Sale or transfer means different entity is landlord
- Must prove they have legal right to evict you
Wrong tenant named:
- Petition names someone else
- Misspelled name if significantly different
- You're subletting but prime tenant named
- You're roommate but only one person named
Wrong apartment:
- Petition lists different apartment number
- Address doesn't match where you live
- Clerical errors in location
Why this matters: If wrong parties are named, court may lack jurisdiction. At minimum, landlord must correct and re-serve, restarting timeline.
Defenses Specific to Nonpayment Cases
When landlord claims you owe rent, numerous defenses challenge whether money is actually owed.
Amount of Rent Claimed Is Wrong
Defenses based on incorrect amounts:
Overstated rent:
- Landlord claims higher rent than lease provides
- Math errors in calculation
- Charging for periods already paid
- Double-counting months
Illegal fees called "rent":
- Late fees added to rent demand (usually not allowed)
- Utilities landlord must pay
- Fees not provided in lease
- Charges that aren't legally collectible as rent
Improper rent increases:
- Increase not done according to lease terms
- Rent stabilization limits exceeded
- No proper notice of increase
- Increase violates Good Cause limitations in covered areas
Partial payments not credited:
- You made payments landlord didn't deduct
- Payments applied incorrectly
- Landlord accepted payment but didn't credit account
How to assert this defense:
- Bring your lease showing actual rent
- Provide calculation of what's really owed
- Show rent payment history
- Identify specific errors in landlord's math
- Request correction or dismissal
Rent Already Paid
The ultimate nonpayment defense: If you already paid the rent landlord claims you owe, case should be dismissed.
Proof of payment:
- Rent receipts from landlord
- Cancelled checks showing payment
- Money order receipts
- Bank statements with cleared rent checks
- Online payment confirmations
- Cash app or electronic transfer records
Timing issues:
- Paid after rent demand but before court filing
- Paid to managing agent landlord didn't credit
- Payment sent but landlord claims not received
Tender defense:
- Offering to pay in court ("tender")
- If landlord refuses reasonable tender, case dismissed
- Bringing full arrears to court can end case
Payment before judgment: In nonpayment cases, paying all claimed arrears before final judgment makes the case moot—it must be dismissed.
Strategic considerations:
- If you can pay, paying before trial strongest defense
- Tender at first appearance often results in dismissal
- Judge will dismiss if arrears paid and landlord can't show other grounds
Missing Required Notices for Rent Increases
Housing Stability and Tenant Protection Act (HSTPA) requirements:
For rent increases of 5% or more:
- Landlord must provide written notice before increase takes effect
- 30 days for monthly tenants
- 60 days for 1-2 year leases
- 90 days for leases over 2 years
If proper notice not given:
- Increase is invalid
- Tenant only owes old rent amount
- Landlord can't evict for nonpayment of invalid increase
Defense strategy:
- Show landlord's rent increase notice was late or missing
- Calculate rent owed at prior legal amount
- Offer to pay that amount
- Claim arrears based on invalid increase aren't owed
For lease non-renewals and terminations:
- Similar notice requirements apply
- Failure to give proper notice invalidates termination
- Creates defense in holdover cases based on expired lease
Defenses Based on Apartment Conditions and Landlord Conduct
These powerful defenses assert landlord's own violations justify nonpayment or bar eviction.
Breach of Warranty of Habitability
What warranty of habitability means: New York law implies into every residential lease a warranty that the apartment is fit for human habitation. Landlord's breach of this warranty gives you defenses and counterclaims.
Conditions that breach warranty:
- No heat or inadequate heat
- No hot water or inadequate hot water
- Leaks causing water damage, mold, or structural issues
- Broken or inadequate plumbing
- Pest infestations (rats, mice, roaches, bedbugs)
- Broken locks or security issues
- Lack of required smoke/CO detectors
- Lead paint hazards
- Electrical hazards
- Falling ceilings or walls
- Broken windows or inadequate weatherproofing
Not every minor issue qualifies:
- Must be substantial enough to affect habitability
- Minor cosmetic issues usually insufficient
- But multiple minor issues can collectively breach warranty
How this creates defense:
- Breach of warranty reduces the value of your apartment
- Reduced value means you don't owe full rent
- "Rent abatement" calculated based on how much conditions reduced value
- Abatement offsets against claimed arrears
Calculating rent abatement:
Percentage reduction method:
- Determine how much conditions reduced apartment's value
- Apply percentage to rent for period conditions existed
- Example: No heat for 2 months in winter = 50% reduction = $500/month becomes $250/month, $500 abatement total
HPD violations method:
- More serious violations = greater abatement
- Class C (immediately hazardous) = significant reduction
- Class B (hazardous) = moderate reduction
- Class A (non-hazardous) = minor reduction
How to assert warranty breach defense:
Document conditions:
- Photos and videos with dates
- HPD inspection reports and violations
- 311 complaint records
- Written complaints to landlord
- Witness testimony about conditions
- Expert testimony if available
Prove landlord's knowledge:
- Sent written complaints
- Called 311 triggering HPD inspection
- Conditions obvious on inspection
- Landlord's own employees reported issues
Calculate abatement:
- Expert testimony on value reduction (best)
- Comparable apartments without issues
- Your own testimony about impact
- HPD violations severity
Assert as defense and counterclaim:
- Defense: Abatement reduces what you owe, may eliminate arrears
- Counterclaim: You may be owed money if you overpaid given conditions
At trial:
- Present evidence of conditions and their severity
- Show you notified landlord
- Propose abatement calculation
- Request court order repairs and abatement
Retaliatory Eviction Under RPL § 223-b
What retaliation is: Landlord evicting you because you exercised legal rights.
Protected activities triggering retaliation protection:
- Complaining to landlord about repairs or conditions
- Filing complaints with HPD, building department, or 311
- Reporting code violations or housing issues
- Joining or organizing tenant associations
- Testifying in housing proceedings
- Pursuing legal action against landlord
- Requesting reasonable accommodations
The one-year presumption:
- Take protected action
- Landlord files eviction within 365 days
- Presumption of retaliation created
- Burden shifts to landlord to prove non-retaliation
How retaliation works as defense:
Landlord's burden:
- Must prove eviction not related to your protected activity
- Must show independent, legitimate grounds
- Must overcome suspicious timing
- Standard: preponderance of evidence
Your strategy:
- Establish you engaged in protected activity (date and nature)
- Show eviction filed within one year
- Demonstrate suspicious timing or circumstances
- Present evidence of landlord's retaliatory motive
Evidence of retaliation:
- Landlord threatened eviction after complaint
- Landlord told you not to complain or organize
- Similar conduct by other tenants tolerated
- Sudden enforcement of rules after complaints
- Timing makes motive obvious
Remedies if retaliation proven:
- Case dismissed entirely
- Attorney fees awarded
- Damages for retaliatory conduct
- Potential punitive damages
Exceptions:
- Small owner-occupied buildings (under 4 units)
- Landlord proves completely separate legitimate grounds
Discrimination and Fair Housing Violations
Protected characteristics under federal and NY law:
- Race, color, national origin
- Religion
- Sex (including sexual harassment and gender identity)
- Disability
- Familial status (children under 18)
- Age
- Marital status
- Sexual orientation
- Military status
- Source of income (including Section 8)
- Lawful occupation
- Domestic violence victim status
Discriminatory eviction:
- Targeting you based on protected characteristic
- Pretextual grounds hiding discriminatory motive
- Selective enforcement against protected group
- Retaliation for asserting discrimination rights
How to assert as defense:
- Raise in Answer as affirmative defense
- File complaint with human rights agency
- Request stay of proceedings pending investigation
- Present evidence of discriminatory motive or pattern
Evidence of discrimination:
- Discriminatory statements by landlord
- Disparate treatment (others treated better)
- Statistical patterns
- Timing (after requesting accommodation, having baby, etc.)
- Pretextual grounds that don't hold up
Remedies:
- Case dismissed
- Damages for discrimination
- Attorney fees
- Civil penalties
- Injunctive relief
Defenses in Holdover Cases and Regulated Tenancies
When landlord claims your right to occupy has ended, specific defenses apply based on tenancy type and grounds claimed.
No Valid Ground for Holdover
In Good Cause areas:
- Landlord must prove one of permitted grounds
- Owner occupancy, demolition, lease violations, etc.
- Can't evict just because lease expired
- Must have legitimate reason meeting legal standards
Renewal rights:
- Rent-stabilized tenants have right to renew
- Can't be evicted just because lease ends
- Landlord must have good cause even in non-renewal
- Failure to offer renewal violates rent stabilization
Month-to-month tenancies:
- Created when lease expires and you stay with landlord's acceptance
- Can't be terminated without proper notice and grounds
- Good Cause protections apply in covered areas
Defenses to assert:
- No valid ground exists for holdover
- Landlord failed to prove claimed ground
- You have renewal rights under rent regulation
- Termination notice invalid under Good Cause Law
Rent Stabilization and Rent Control Procedure Violations
Special protections for regulated tenants:
Improper registration:
- Landlord must register rent-stabilized units annually
- Failure to register properly can bar eviction
- Rent increases void if not registered
Failure to offer proper renewal:
- Must offer renewal lease on time (90-150 days before expiration)
- Must offer proper term (1 or 2 years tenant's choice)
- Must use approved lease form
- Failure to offer proper renewal means tenant can't be evicted for holdover
Improper deregulation:
- Landlord claims unit deregulated but it wasn't
- High-rent vacancy deregulation done improperly
- Substantial rehabilitation claims don't meet standards
- Unit remains stabilized despite landlord's claims
Overcharges as defense:
- Illegal rent overcharges throughout tenancy
- Current rent based on inflated base rent
- Rent must be rolled back to legal regulated amount
- Overcharges create defense to nonpayment
Required notices:
- Rent increase notices must meet timing requirements
- Must inform tenant of renewal rights
- Must include DHCR rider with lease
- Missing notices create defenses
How to assert:
- Obtain rent history from DHCR
- Show registration violations
- Prove renewal rights weren't offered properly
- Calculate legal regulated rent
- Assert overcharges reduce amounts owed
Public and Subsidized Housing Special Procedures
Due process requirements:
Public housing:
- Required grievance procedure before eviction
- Notice of grounds for termination
- Opportunity for hearing
- Failure to provide due process bars eviction
Section 8 and other subsidies:
- Required notices to tenant and housing authority
- Good cause requirements for termination
- Subsidy termination procedures must be followed
- Can't evict without following federal requirements
Defenses specific to subsidized housing:
- Landlord didn't provide required notices
- Failed to follow grievance procedures
- Terminating subsidy improperly
- Discrimination against voucher holders
- Retaliation for complaining about program violations
Other Critical Defenses and Protections
Beyond case-specific defenses, general protections can defeat or delay eviction.
Lack of Personal Jurisdiction
What personal jurisdiction means: Court's power over you as a person.
When jurisdiction doesn't exist:
- Service of process fatally defective
- Never properly served with petition
- Served at wrong location
- Service method legally insufficient
Why this is powerful:
- Can be raised at any time (not waived)
- If proven, requires dismissal
- Landlord must start over with proper service
- Buys significant time
How to assert:
- Challenge service in Answer
- File motion to dismiss for lack of jurisdiction
- Present evidence service was improper
- Request all proceedings be vacated
Hardship Stay Under RPAPL § 753
What hardship stay is: Even if landlord wins eviction case, court can delay execution of warrant up to one year based on hardship.
Factors courts consider:
- Tenant's age, health, or disability
- Children in household and school disruption
- Difficulty finding alternative housing
- Availability of comparable affordable housing
- Seasonal factors (winter evictions)
- Tenant's good faith efforts to resolve
- Length of tenancy
- Whether tenant is paying use and occupancy
How to request:
- File motion for hardship stay before warrant execution
- Submit affidavit detailing hardship factors
- Provide supporting evidence (medical records, school enrollment, housing search efforts)
- Propose timeline for moving
- Offer to pay use and occupancy during stay
What court may order:
- Stay of up to one year
- Conditional stay (pay use and occupancy)
- Phased stay (6 months then review)
- Complete stay if hardship extreme
Strategic value:
- Buys time to find housing
- May prompt settlement
- Protects vulnerable tenants
- Can be combined with other relief
Payment Plans and Stipulations
Not technically a defense but important protection:
Court's power to order payment plans:
- Even if landlord wins nonpayment case
- Court can order arrears paid over time
- Prevents immediate eviction if payments made
- Typical: 6-12 month payment plans
Stipulation settlements:
- Negotiated agreement between parties
- May include payment plan, repairs, or other terms
- "So ordered" by judge becomes enforceable
- Violation can lead to eviction but gives you time
Strategic considerations:
- If defenses are weak, payment plan preferable to losing
- Preserves your tenancy while addressing arrears
- Shows good faith effort to resolve
- May be only realistic option if you owe significant rent
How to Assert Defenses: The Critical Answer
Your Answer is everything:
- Must be filed within 10 days of service (usually)
- Must specifically list each defense
- Waive defenses not included
- Use specific legal language
What to include in Answer:
Caption:
- Case number and parties
- Court name and location
General denial:
- Deny all allegations you dispute
- Admit only facts clearly true
Affirmative defenses:
- List each applicable defense by name
- Provide brief supporting facts
- Number each defense
- Include every possible defense
Counterclaims:
- Any claims against landlord (overcharges, habitability, harassment)
- Specify relief sought
- Support with facts
Prayer for relief:
- Request case dismissal
- Request repairs if habitability issue
- Request attorney fees if entitled
- Request any other relief
Verification:
- Must be signed and notarized
- Swearing to truth of statements
Common mistakes to avoid:
- Filing late or missing deadline
- Generic Answer without specific defenses
- Failing to include counterclaims
- Not verifying properly
- Incomplete defenses
Getting Help: You Don't Have to Do This Alone
Eviction defense is technical and consequence is losing your home. Professional help dramatically improves outcomes.
Free legal services:
- NYC Right to Counsel (212-577-3300 or 311)
- Legal Aid Society
- Legal Services NYC
- Housing Court Answers (718-557-1379)
- Statewide legal aid providers (LawHelpNY.org)
What to bring to attorney:
- Notice of Petition and Petition
- Predicate notice (rent demand or termination notice)
- Your lease
- Rent receipts and payment records
- Photos of conditions if habitability issue
- HPD violations or 311 records
- Any communications with landlord
- Timeline of relevant events
Attorney can:
- Identify all applicable defenses
- Draft comprehensive Answer
- Negotiate better settlements
- Present defenses effectively at trial
- File necessary motions
- Handle complex legal procedures
Timeline matters:
- Answer typically due 10 days after service
- Missing deadline creates default judgment
- Get help immediately upon receiving papers
- Don't wait until court date
Your Defenses Are Your Housing
Understanding and properly asserting defenses to eviction isn't just legal technicality—it's what keeps you in your home. Landlords file eviction cases hoping tenants don't know their rights and don't defend properly.
Every defense in this guide exists because landlords have historically tried improper evictions: failing to give proper notice, retaliating against complaints, pursuing evictions despite conditions they created, claiming rent that isn't owed, violating rent regulation protections.
Your defenses enforce the rules landlords must follow to evict. When you assert them properly in a timely Answer with supporting evidence, you level the playing field and force landlords to prove they have legal grounds to remove you from your home.
Document everything. File your Answer on time. Assert every applicable defense. Get legal help. Your housing depends on it.
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