PHH Mortgage (Ocwen) Foreclosure Defense in New Jersey

PHH Mortgage Services, a New Jersey-based company owned by Onity Group, the company formerly known as Ocwen Financial, services a large portfolio of loans, many of them older subprime and securitized loans acquired over the years under the Ocwen name. Its cases frequently involve long payment histories with multiple prior servicers.

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Long histories, many transfers

A loan serviced by PHH today may have passed through three or four companies since origination. Every transfer is an opportunity for the payment record, escrow account, or a prior modification to be recorded incorrectly. Federal rules let you request the complete servicing file and require the servicer to investigate and correct errors, and David uses that process before and during litigation.

PHH is headquartered in Mount Laurel, New Jersey, and its foreclosure counsel files routinely in every county. Owner-occupants should request the court's mediation program within 60 days of service so the modification review happens with a mediator present.

How David handles a PHH foreclosure

Every PHH case starts the same way: a complete review of your loan history, every notice you received, and the servicing file we request under federal rules. That review often turns up misapplied payments, fee errors, or a defective Notice of Intention to Foreclose, and each one is leverage.

From there David opens the loss mitigation process with a complete application, requests the court's Foreclosure Mediation Program if you are an owner-occupant within 60 days of service, and files the answer and any adjournments so the sheriff's sale clock stops running while PHH reviews your options. If PHH violates servicing rules during that review, David raises it with the court.

Your rights with any mortgage servicer

Federal servicing rules under RESPA (12 C.F.R. Part 1024) apply to every servicer named on this site:

  • A servicer generally cannot make the first foreclosure filing until you are more than 120 days delinquent.
  • It must acknowledge a loss mitigation application within 5 business days and tell you what is missing.
  • It may not move for judgment or conduct a sale while a complete application received more than 37 days before the sale is under review ("dual tracking").
  • You can send a written Notice of Error or Request for Information and the servicer must respond, generally within 30 business days.
  • In New Jersey, the Fair Foreclosure Act adds a 30-day Notice of Intention to Foreclose before suit and a right to cure up to final judgment.

Where your PHH Mortgage case will be heard

New Jersey foreclosures are filed in the Superior Court of the county where the property sits, and each county sheriff runs sales on its own schedule with its own adjournment rules. See the county guide for your home:

Other servicers

Servicer names are used to identify the company handling your loan. This page describes general processes and legal rights and is not affiliated with or endorsed by any servicer.

FAQ

PHH Mortgage: common questions

My statements from PHH do not match what I paid. What can I do?

Send a written Notice of Error under RESPA identifying the payments and dates. PHH must investigate and respond, and its failure to do so is itself a violation. David prepares these with the supporting records.

Can I get a modification on an older subprime loan serviced by PHH?

Often, yes. Many of these loans are in trusts that allow modifications, and some carry high fixed or adjustable rates where a rate reduction alone makes the payment affordable.

Let's talk

Talk to David about your PHH Mortgage foreclosure

Tell David what you're facing. You'll leave the conversation knowing your options, with no pressure and no obligation. Calls returned within one business day.

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