Topic
Foreclosures
860 published works
New Jersey Foreclosure Defense Blog
FHA Partial Claims in New Jersey: Avoid Payoff Surprises When Selling or Refinancing
By John Fazzio
Illustrative stock photograph by Jakub Żerdzicki on Unsplash, used under the Unsplash License. Not a client transaction or government document. Short answer: If an FHA workout included a partial claim,…
New Jersey Foreclosure Defense Blog
Extending the Equity of Redemption After a New Jersey Sheriff’s Sale
By John Fazzio
A sheriff’s sale is a critical deadline for a homeowner. New Jersey law provides a short opportunity to redeem the property after the sale, and court relief may be available…
New Jersey Foreclosure Defense Blog
Home Damaged During a New Jersey Foreclosure? Insurance Checks, Repairs, and Mortgage-Company Control
By John Fazzio
Short answer: If a New Jersey home is damaged while the mortgage is delinquent or in foreclosure, notify the insurer promptly, protect the property from additional loss, preserve evidence, and…
New Jersey Foreclosure Defense Blog
Property Taxes, Water, and Sewer Charges During a New Jersey Mortgage Foreclosure
By John Fazzio
Short answer: A mortgage foreclosure does not make property taxes, water charges, or sewer charges disappear. Filing the case usually does not transfer title to the lender. Depending on the…
Commercial Case Notes
Death of Party in Default Does Not Stay Action
By John Lundin
On October 7, 2026, the Second Department issued a decision in NYCTL 1998-2 Trust v. Phillip, 2026 NY Slip Op. 05802, holding that the death of a party in default…
New Jersey Foreclosure Defense Blog
After a New Jersey Sheriff’s Sale: Writ of Possession, Moving Deadlines, and the Former Owner’s Next Steps
By John Fazzio
Featured photo: Michal Balog on Unsplash, used under the Unsplash License. The image is illustrative. Short answer: A New Jersey sheriff’s sale does not ordinarily mean an owner-occupant is physically…
New Jersey Foreclosure Defense Blog
Mortgage Forbearance Ending in New Jersey? Compare Repayment, Deferral, and Modification Before the Deadline
By John Fazzio
Illustration: An affordable forbearance exit plan accounts for the regular payment, arrears, escrow, and future balances. Short answer: Before a mortgage forbearance ends, obtain a written explanation of the missed-payment…
New Jersey Foreclosure Defense Blog
Mortgage Credit-Reporting Errors During a New Jersey Foreclosure: How to Build a Documented Dispute
By John Fazzio
Illustration: Compare the reported account information with the underlying mortgage records before preparing a dispute. Short answer: If a mortgage account is reported inaccurately, a New Jersey homeowner can dispute…
New Jersey Foreclosure Defense Blog
Bank Repossessions Rise 42%: What the Latest Foreclosure Numbers Really Mean
By John Fazzio
Foreclosure Watch | National Housing Market / New Jersey | October 10, 2026 New foreclosure data reported by Realtor.com shows that completed bank repossessions increased 42% from a year earlier…
New Jersey Foreclosure Defense Blog
Bronx Foreclosure Filings Are Rising. Homeowners Need Help Before They Reach the Courthouse.
By John Fazzio
Foreclosure Watch | New York | October 10, 2026 A recent Gothamist report highlights a troubling development in the Bronx, where homeowners are increasingly confronting foreclosure and community organizations are…