What are Tax Sale Foreclosure Surplus Funds?
If your lender has obtained a Final Judgment in a Mortgage Foreclosure or a Tax Sale Foreclosure, they may attempt to sell your home at a Sheriff Sale. The money paid by the…

Each year, more than 1,000 properties in New Jersey proceed through tax sale foreclosure. Many property owners lose significant surplus equity because the New Jersey Tax Sale Law provides no method to preserve their surplus equity. Once a Final Judgment…

Due to increasing property values, homeowners may be unexpectedly confronted with a long-forgotten second mortgage. Called “Zombie Second Mortgages,” these debts (and their lenders) are suddenly reappearing and threatening to take everything.
What Are Zombie Second Mortgages?
In New…

Denial of your loan modification application is distressing, but it is not the end of the road.
What Happens if a Loan Modification Was Denied?
When a loan modification is denied, the original terms of your mortgage remain in effect.…

NEW JERSEY REQUIRES THAT DEFERRAL AND FORBEARANCE AGREEMENTS BE LISTED IN FORECLOSURE COMPLAINTS
During Covid, many lenders offered Forbearance, or Deferral agreements, to temporarily pause or reduce loan payments. At the end of the Forbearance or Deferral Agreement, arrangements must…

Facing foreclosure is a stressful and daunting experience for homeowners. New Jersey
homeowners have specific rights and timelines to be aware of when trying to halt the
foreclosure process.
Whether it’s exercising the right to cure the default, challenging the…

We are a New Jersey Consumer Defense Law Firm that focuses on Defending Foreclosures and helping our clients get Mortgage Loan Modifications.
New Jersey Foreclosure can make you feel like you’re caught in a storm with no clear way out.…