New Jersey Foreclosure Defense Attorneys

We Help Homeowners Save Their Homes.

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Practice Areas: Foreclosure Defense

Loan modifications are a type of loss mitigation. The modification reduces your monthly payment to an amount you can afford. But, getting a modification on your own can be difficult because the Servicer and Bank often give homeowners the run around. As a result, having a guide can help in getting your modification approved.

Defending your foreclosure case starts with filing an Answer by the 35-day Deadline and then asserting all the defenses and counterclaims you have against the lender.  Often, Banks and Servicers violate the law and deprive you of your rights. But, when you need to fight back to save your home, it helps to have an experienced attorney in your corner.

A short sale is a way to gain time and maintain control. When your loan is underwater or you have other debts, such as 2nd mortgages, tax liens, tax judgments, and/or business debts – a short sale can be the perfect solution. And with a short sale, it is possible to satisfy multiple debts and pay the bank less than you owe.

When a sheriff’s sale is pending and you are in danger of losing your family home or losing your equity, it can be a nerve wracking experience to say the least.  But, did you know you are entitled to an automatic 60-day extension? And there are other ways to win even at the 11th hour.

New Jersey Foreclosure Defense and Loan Modification Attorneys

New Jersey leads the nation in foreclosures post-pandemic.  The foreclosure process in New Jersey is a two-tiered system involving Superior Court Judges and the NJ Office of Foreclosure.

The foreclosure timeline varies dramatically depending on whether or not a Contesting Answer is filed.  And Drafting a Foreclosure Answer can be confusing if you are representing yourself pro se.

Mortgage Loan Modifications Can Be Difficult to Prosecute On Your Own

Servicers like Wells Fargo are notorious for Denied Mortgage Modifications following a failure to comply with loss mitigation procedures under Dodd Frank.  A mortgage loan modification is a way to restructure your loan with more affordable payments in order to avoid foreclosure and save your home.  But, you have to stay the course since Banks and Servicers process loss mitigation applications slowly and make many mistakes along the way.

Because there are many assistance programs available, for qualifying homeowners, it is also worth researching whether you qualify for government assistance under programs like the Hardest Hit Fund (HHF) sponsored by the U.S. Department of the Treasury.

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5 Marine View Plaza
Ste 218
Hoboken, NJ 07030

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