Foreclosure Defense Attorney in New Jersey

Often, yes. Depending on where you are in the process, options range from loan modification and reinstatement to negotiating a short sale or raising defenses to an improper filing. The earlier you act, the more options you have, but even with a sale date it is usually worth a conversation.

It depends on your goal and finances. If you want to keep the home and can support a reasonable payment, a modification may be right. If keeping it isn't realistic, a short sale can let you exit without a foreclosure on your record. David will walk you through the trade-offs for your specific numbers.

No. Once you retain David, he communicates with the servicer on your behalf, prepares the paperwork, and keeps the process moving, so you are not repeating your story to a new representative every week.

Your initial consultation is free. Fees for representation depend on the strategy and complexity of your case, and David will explain them clearly and in writing before you decide to move forward.

Missed payments and foreclosure both affect credit, which is exactly why acting early matters. Alternatives like a modification, short sale, or deed in lieu are generally less damaging than a completed foreclosure, and David works to negotiate terms that limit the long-term impact where possible.

New Jersey foreclosures are judicial, meaning the lender must sue in Superior Court. Before filing, the lender must mail a Notice of Intention to Foreclose at least 30 days in advance under the Fair Foreclosure Act. Once served with the complaint you have 35 days to answer; an unanswered case is treated as uncontested and processed by the Office of Foreclosure in Trenton. Contested cases go before a Chancery Division judge in the county where the home is located. After final judgment, the sheriff has 150 days to schedule the sale, and homeowners are entitled to two adjournments of up to 30 days each. Even after the sheriff's sale there is a 10-day period to redeem or object. Start to finish, an uncontested case often takes a year or more, and a contested one longer. Most of the best options exist only before the sale date.

A free court program for owner-occupants of one-to-four family homes. You request mediation within 60 days of being served with the complaint, and a HUD-certified housing counselor and, if needed, an NJHMFA-contracted attorney help you negotiate with the lender in a court-supervised setting. David can request mediation for you and represent you in it, and it is often the fastest way to get a modification reviewed seriously.