Foreclosure Defense in Perth Amboy
Stop or delay foreclosure through loan modification, short sales, and direct negotiation with your lender, in every New Jersey county.
Learn morePerth Amboy foreclosure defense and real estate attorney
Perth Amboy, the "City by the Bay," sits where the Arthur Kill meets Raritan Bay and was once the capital of colonial East Jersey. Today more than eight in ten residents are Hispanic or Latino, and much of the housing is older two- and three-family homes where the owner lives in one unit and rents the others. David Chapman represents Perth Amboy homeowners in the Chancery Division in New Brunswick and with their servicers, in English or Spanish.
Local knowledge that matters
Perth Amboy foreclosures that are contested are heard at the Middlesex County Courthouse, 56 Paterson Street in New Brunswick, which maintains a dedicated foreclosure line at (732) 645-4300 ext. 88372. The Middlesex County Sheriff publishes the sale schedule on the county's foreclosure page and on the statewide listing. Posted dates and locations change, so David confirms each client's date directly with the sheriff's office.
In an owner-occupied multi-family home, the rent from the other units is part of the income that qualifies you for a modification. It has to be supported by leases, deposits, and tax returns that match each other. Tenants also have rights while the foreclosure is pending, and a sale does not automatically end a lease.
A scheduled sheriff's sale is a public record, and homeowners in Spanish-speaking neighborhoods are contacted by people offering to stop the sale for an upfront fee or asking them to sign over the deed. Do neither. New Jersey law entitles you to two adjournments of the sale, the court's mediation program is free for owner-occupants who request it within 60 days of service, and HUD-approved counseling agencies serve the city.
Courthouse: Middlesex County Courthouse, Chancery Division (General Equity), 56 Paterson Street, New Brunswick, NJ 08903 · (732) 645-4300 ext. 88372
Serving ZIP codes 08861
Offices are located in Fort Lee, Matawan. Consultations for Perth Amboy residents are available by phone, video, or in person. Request a free consultation.
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