who is best foreclosure defense lawyer in new jersey

What are the mortgage foreclosure options in New Jersey?

This letter must include:

• Details about the default and its causes
• What you need to do to cure the default and reinstate the loan
• The date by which you must cure the default (usually at least 30 days from the date you receive the notice)
• Notice that failure to cure the default on time will lead to the sale of the property

How long does a New Jersey foreclosure take?

A foreclosure in New Jersey can take as little as 114 days from filing of the complaint until final judgement. With the backlog of foreclosures cleared out of the NJ Courts and the NJ County Sheriffs,from the 2008 realestate crash you are looking at between 8 months to 1 ½ years when the matter is uncontested.

How does the foreclosure process work in New Jersey?

New Jersey is a judicial foreclosure state which means that if you default on your mortgage, the lender must go to court in order to repossess your home. (Some states use nonjudicial foreclosures, which do not go through court.) The New Jersey Fair Foreclosure Act provides the rules that lenders must follow before and during foreclosure.

How to find foreclosures in New Jersey?

New Jersey. Scroll down to find New Jersey foreclosure listings of foreclosure homes for sale. Our New Jersey homes for sale database will also include listings of bank owned homes, short sales, sheriff sales and pre-foreclosures. All our New Jersey foreclosure listings are pre-screened for accuracy by our team of professionals on a daily basis.

Answer Summons and Complaint or Even Amend your Answer

After you received the initial Summons and Complaint, you are on a timeline to answer. Your foreclosure lawyer will do this for you.

Appear At Settlement Conferences

States like New York have mandatory settlement conferences where the homeowner actually lives in the building being foreclosed. If the bank’s representative does not show up ready to negotiate at the settlement conference, the court can dismiss the case forcing the bank to start the foreclosure process over.

Use Foreclosure Law and Strategies to Protect your Home

Even when you think you have a slam dunk defense, it does not always work, which is why we go in with multiple strategies honed from years of experience. We are not afraid to appeal a judge’s decision if you are in the right. We will use every law we can to protect your investment.

Sometimes all you want is to Modify your Mortgage

We will work with you while defending your home to apply for a loan modification. You may have been denied in the past, but if you have had changed circumstances you can try for a loan modification again. Sometimes people are forced into a chapter 13 bankruptcy to work on a loan modification. We handle these scenarios all the time.