Foreclosure Defense in Clifton
Stop or delay foreclosure through loan modification, short sales, and direct negotiation with your lender, in every New Jersey county.
Learn moreClifton foreclosure defense and real estate attorney
Clifton is one of the largest cities in New Jersey, a city of neighborhoods like Athenia, Botany Village, Allwood, Delawanna, Lakeview, and Montclair Heights where a majority of homes are owner-occupied and the two-family house is a fixture. Families from Latin America, Poland, Italy, Turkey, and the Arab world have all bought here, often with relatives on the loan. David Chapman represents Clifton homeowners in the Chancery Division in Paterson and with their lenders, in English or Spanish.
Local knowledge that matters
Clifton foreclosures that are contested are heard at the Passaic County Courthouse, 77 Hamilton Street in Paterson, where the General Equity office can be reached at (973) 653-2910 ext. 24250. The Passaic County Sheriff conducts sales on Tuesdays and requires bidders to pre-register. Call the Foreclosure Unit at (973) 881-4200 to confirm the current time, location, and deposit.
New Jersey law entitles you to two adjournments of the sale, but the Passaic sheriff will not accept a defendant's adjournment after 2:00 PM on the Tuesday of the sale, and stay applications are not accepted after 2:00 PM either. Sale dates posted online can change without notice. David confirms every date by phone and files adjournments days ahead.
In a Clifton two-family, the owner usually lives on one floor and a tenant or a relative lives on the other. That rent counts toward a modification when it is documented, and so does the income of a family member who is on the note. Because owner-occupancy is high here, most Clifton homeowners qualify for the court's free mediation program if they request it within 60 days of service.
Courthouse: Passaic County Courthouse, Chancery Division (General Equity), 77 Hamilton Street, Paterson, NJ 07505 · (973) 653-2910 ext. 24250
Serving ZIP codes 07011, 07012, 07013, 07014
Offices are located in Fort Lee, Matawan. Consultations for Clifton residents are available by phone, video, or in person. Request a free consultation.
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