Contact New York or New Jersey Foreclosure Defense Lawyers Today.

The Law Offices of Patel, Soltis & Cardenas musters excellent legal talent in New York and New Jersey, focusing on foreclosure litigation, loan modifications, bankruptcy, probate, and real estate transactions in New Jersey. If you think you may need an NJ Foreclosure Attorney or NY Foreclosure Attorney start by talking to one for FREE today. We are a family based firm that focuses on serving individuals and their businesses. Whether you need foreclosure defense in New York or New Jersey or your family Will. We have the legal know-how and professionalism for you. The first step to fixing any problem is to understand that you have options.  Talk to an attorney today about all of your options.


Use an attorney to fight for foreclosure

Foreclosure Defense

Use a Foreclosure Defense Attorney to protect your rights.

If you want to avoid foreclosure or get a loan modification, you should consult with a Foreclosure Defense Attorney now to go over all of the options to save your home.  Every step you take today can get you more time in the future.  Hiring an Attorney that knows foreclosre law is the first step in keeping your home.

Loan Modification Bank Attorney

Loan Modification

A loan modification modifies the terms of an existing loan. This is not refinancing….

Short Sale

A Short Sale Negotiation is a dialogue between two or more people or parties intended to reach a …

Probate, Wills, Trust and Estate Litigation

As a New Jersey Estate Attorney, we will help you whether you need to win Probate Litigation or prepare your Will so your family can avoid litigation in the future.

house real estate lawyer

Real Estate

Legal advice is ordinarily provided in exchange for financial or other tangible compensation

chapter 20 bankruptcy lawyer

Chapter 7 Bankruptcy

A tax is a financial charge or other levy imposed upon a taxpayer (an individual or legal

chapter 13 bankruptcy lawyer

Chapter 13 Bankruptcy

Chapter 13 bankruptcy will stop foreclosure…

Litigation & Arbitration

Arbitration can be either voluntary or mandatory although mandatory arbitration can only come

Have an Attorney Review Your Options with You for Free

Contact us and we will do 3 things for you:

1. We will go over all of the legal issues you face.
2. We will go over the Defenses and Options that you have.
3. We will prepare a concise list of the facts of your situation that you can take to other attorneys if we are not a good fit as your attorneys.

We do not take every case we are presented.  If we cannot win for you, we will tell you.  We will explore all of your options, but at the end of the day, if we cannot help you, we will tell you.

We have attorneys that focus on different aspects of the law.  We have New Jersey Licensed attorneys that focus on Foreclosure Defense, Real Estate Transactions, Bankruptcy, Probate, and Debt Collection/Consolidation.  We have New York Licensed attorneys that focus on Foreclosure Defense, Real Estate Transactions, Bankruptcy, Probate, Family Law and Debt Collection/Consolidation.  When you contact us we will need to briefly interview you to ensure you are connected to the attorney that can best help you with your matter.


We have a 3 step process to ensure we can either help you, or set you up to speak with a different attorney with a concise list of facts surrounding your situation.  We understand we are the right fit for everyone, but we will help you so that the next attorney you contact, you can right to the answers you need.

1. We will go over all of the legal issues you face.

The first step we take is to listen to what the facts are surrounding your situation. We want to know everything that has happened, and what you want to happen next. We want you to tell us in your own words what happened, and what your final goal is for your situation.  Many times we have clients that are in debt, facing issues that they wish they could avoid but need to solve. What we recommend depends on what they have tried in the past and what they want to do in the future.  In a foreclosure situation, there are multiple solutions like foreclosure litigation in state or federal court, renting out the property, selling the property in a short-sale or regular sale, bankruptcy (Either a chapter 7, chapter 13 or even both if the situation demands it.) Without understanding your full story, we cannot get to the part where we talk about options.

2. We will go over the Defenses and Options that you have.

Everyone’s situation is unique, and not all solutions work for everyone.  A chapter 7 bankruptcy may be right for one family, but for you, it could trigger the Chapter 7 Trustee wanting to sell your home. Without going over the details surrounding your situation we cannot offer the options that may best suit you.  If you have done a loan modification in the past, we will review your past loan modification and see why it was denied, and we can then make suggestions on how to get it approved.  We will also tell you if your income is unlikely to get you approved or design a plan to increase your income.  If you are looking at defending your home in court, we will go through all of the court filings to see if you have any defenses you have missed.  We have cases involving improper service, probate matters that were handled inco

Book for list for foreclosure

3. We will prepare a concise list of the facts of your situation that you can take to other attorneys if we are not a good fit as your attorneys.

If we are not a match for you as an attorney, we will send you a copy of the notes we prepared during our interview.  It will list the facts of your situation.  You can then use these if you would like to interview other attorneys when we are not a good fit as your attorney.

Stop foreclosure

Foreclosure Defense

This firm was founded to help save peoples homes from foreclosure.  Our partners all focus on foreclosure defense in either New Jersey or New York. We understand the main possibilities for resolving a foreclosure using litigation, loan modification, bankruptcy or even a sale/short-sale.  We work with people to buy and sell real estate. We can explain the nuances of the law and the way each of these systems interacts with each other. Speaking with an attorney today about your options can take the weight of worry off of your chest. 

Loan Modification Solutions

Loan Modificaion

Public consultation, or simply consultation, is a regulatory process by which the public’s input on matters affecting them is sought. Its main goals are in improving the efficiency, transparency and public involvement.

Civil Litigation

If you need an attorney in New Jersey or New York, because you are being sued or want to sue someone, talk to one of our attornies about your options. New Jersey and New York have different types of courts for different matters.


Satisfied Clients


Mortgages Modified


Bankruptcy Debt Discharged


Pro Bono Hours Worked

New Jersey Attorney and New York Attorney Office Locations

Jersey City Attorney Office Location (Primary Jersey City Office for clients to meet with an attorney):

Across the street from the Hudson County Courthouse – Justice Brennan Courthouse:
574 Newark Ave, Suite 307
Jersey City, NJ 07306

Located on bus lines 80, 82 & 84. Three blocks from Journal Square Path Location.

Hackensack Attorney Office (Primary Hackensack for clients to meet with an attorney):

One Block from the Bergen County Courthouse:
54 Main Street
Hackensack, NJ 07601

Brooklyn Attorney Office Location (Primary New York Office for clients to meet with an attorney):

Across the street from the Kings County Courthouse
Near Bankruptcy Court House and Appellate Division: Second Judicial Department Courthouse
26 Court Street, Suite 2511
Brooklyn, NY 11242

Freehold, NJ Attorney Office (Primary Monmouth County location for clients to meet with an attorney by appointment only):

One Block from the Monmouth County Courthouse:

1 Broad Street, Suite 9
Freehold, NJ 07728

Manhattan Office by appointment only.

276 Fifth Avenue New York City Attorney Office Location:

I just got off the phone with Derek Soltis and I am so impressed and grateful I found him. I had a couple of preliminary questions before I even came him and he answered them HONESTLY. Not all attorneys will be so honest if something is worth proceeding forward with….but Derek is so honest and made me feel very comfortable. I would highly recommend this law office based off my conversation with Derek. He is kind, honest, articulate, and actually cares. Now I hope something happens to where I need to hire an attorney because I will hire Derek for sure. Thanks so much for your advice Derek! The law industry needs more lawyers like you 🙂  Review from Google

Contact Us Today for a Free Strategy Session with an Attorney

Contact us and we will do 3 things for you:
1. We will go over all of the legal issues you face.
2. We will go over the Defenses and Options that you have.
3. We will prepare a concise list of the facts of your situation that you can take to other attorneys if we are not a good fit as your attorneys.

We do not take every case we are presented.  If we cannot win for you, we will tell you.  We will explore all of your options, but at the end of the day, if we cannot help you, we will tell you.

Schedule an Appointment

Why Are We The Best?

If you are looking to find the best team of attorneys who understand multiple areas of law in New Jersey, we are a team of experienced lawyers who will treat you right as a client. We have multiple attorneys who practice law related to Real Estate Matters, Mortgages, Foreclosure Defense law, Loan Modification, the Best Ways to Buy or Sell Real Estate, Will & Powers of Attorney, Probate & Estates, Debt Relief, Personal Bankruptcy, and Business Bankruptcy. We will protect your rights as we work as a team to provide you with real help.   Our lawyers understand the ways all of these types of matters interact. We will protect your privacy whether you call us on the phone or visit us in one of our Offices for a consultation. No matter how you choose to contact our firm we will go over your options.

We have offices in Jersey City, NJ across from the Hudson County Court House; Hackensack, NJ around the corner from the Bergen County Courthouse; Freehold, NJ down the street from the Monmouth County Courthouse, Manhattan, NY with a site in Midtown New York City; and Brooklyn, NY across from the Kings County Courthouse which is down the street from the Brooklyn Bankruptcy court to meet our clients.  We offer free consultations on most cases for all court matters in New Jersey and New York.  Please contact us at 844-533-3367 or email us at [email protected] 

Trust our experience to serve all of your legal and financial needs in 2018 and beyond. Our firm is dedicated to helping you.



Veer P. Patel New York Lawyer

Veer P. Patel, Esq.

is an attorney licensed to practice in New York and New Jersey. He was a graduate of University College at Rutgers in 2009 and Rutgers School of Law-Newark in 2013.

During his college years, Mr. Patel who entered through the EOF program, was a highly decorated student leader, serving as the University College Student Government President for two years. In this position, Mr. Patel served on the University on the Middle-States Accreditation Committee, University Budget and Finance Committee, Rutgers-Newark Honorary Degree Committee, and gave the student commencement speech for the Newark College of Arts and Sciences & University College, Class of 2009.  The video can be seen here, .Mr. Patel also participated in University Greek Life by joining Sigma Lambda Beta, International Fraternity Incorporated.

In 2010, Mr. Patel had served as the United States Senator Cory Booker’s Correspondence Secretary in City Hall in Newark during his term as Mayor. There, Mr. Patel operated and managed the correspondence system for the Mayor’s Office, which included oversight of the Mayoral signature. He assisted in drafting and maintaining a uniform political message for the administration. Mr. Patel held daily private meetings with the Senator to draft correspondences and manage policy issues.

In 2011, he joined Volunteer Lawyers for Justice under its prominent division, Newark Re-Entry Legal Services (ReLeSe). Here, Mr. Patel assisted Essex County residents to tackle recidivism rates among ex-offenders who struggle to re-assimilate into local communities post-conviction.

In 2013, Mr. Patel served under the Hon. Sherry Hutchins-Henderson, J.S.C. as a Law Clerk in the Superior Court of New Jersey. There, he assisted the Court in managing motions, appeals, and trials touching upon criminal matters in Essex County. His responsibilities including drafting and briefing the Court with bench memorandums and proposed opinions. Mr. Patel worked with the Court during multiple high-profile trials where charges included homicide, drugs, weapons, and robbery.

In 2015, Mr. Patel worked with E. Waters & Associates as a foreclosure litigation associate. Here, Mr. Patel assisted homeowners and investors in keeping their homes and modifying their loans. Mr. Patel also assisted the firm in complex litigation matters including those issues that dealt with the Attorney General of both New York and New Jersey.

Mr. Patel is currently a Partner at Patel & Soltis, L.L.C.

Veer P. Patel, Esq.New Jersey - Managing Partner
DJ SOLTIS New York Lawyer

Derek (DJ) Soltis, Esq., MBA/MS

is a graduate of Rutgers School of Law and an admitted attorney in the State of New York.

Mr. Soltis’ practice focuses on New York Employment Law disputes for Employees, Probate Matters, Bankruptcy, Foreclosure Defense, and Civil Law Suits.

Mr. Soltis also has an MBA in Management Systems with an International Business Designation from Fordham University Graduate School of Business and a Master of Science in Information and Communication Systems where he specialized in System Dynamics. While at Fordham Mr. Soltis graduated in the top 10% of his class and was enrolled in Phi Kappa Phi the Collegiate Honor Society and Beta Gamma Sigma the Business Honors Society.

Mr. Soltis’s undergraduate degree is a BBA from the University of Houston – Downtown, in Computer Information Systems.

Mr. Soltis has spent several years in the eDiscovery industry working on the technical and project management side of many cases for many Fortune 1000 companies while working with attorneys from some of the largest legal firms in the world.  He has managed business units for multiple Fortune 500 companies with responsibility for sales in excess of $18 million while managing a budget of over $1.5 million.

Mr. Soltis is deeply involved in volunteer work.  He has volunteered for many other organizations, including: Bowery Mission, the American Red Cross, Essex County Law Day, and the Domestic Violence Advocacy Project in Newark. He has also worked as a Street Law teacher in Newark while in Law School where he taught at the Essex County Juvenile detention center and the Alma E. Flag Middle school.

Derek (DJ) Soltis, Esq., MBA/MSBankruptcy Practice Manager - Partner
New Jersey Real Estate Lawyer

Lazaro Cardenas, Esq.

is a graduate of the Rutgers University School of Law and an admitted attorney in the State of New Jersey. Since graduation, he has held various positions in the legal field. Currently, he is a PaPtner at Patel, Soltis & Cardenas, LLC, in Jersey City, New Jersey. In his legal career, Lazaro takes pride in assisting clients in various legal matters, from foreclosure defense to immigration issues. He currently focuses on Probate maters and Real Estate Transactions.

In addition, he serves on the boards of directors of some of the leading Latino advocacy organizations in New Jersey including the Latino Coalition of New Jersey where he serves as Deputy Director, and the Latino Action Network where he is a director. As a Latino activist and an active member of Hispanics Inspiring Students’ Performance and Achievement (HISPA), he is a regular speaker at schools throughout New Jersey discussing the importance of education and issues that impact Latinos and minorities. He is a founding chair of the Latino Festival of Monmouth County, established in 2005.

Lazaro has been a leader in defending the rights of immigrants; most recently he worked closely to ensure that everyone had equal access to the courts. His work in Monmouth County in defense of the immigrant community is well documented. He is a tireless advocate for education, his most recent effort
was to work with lawyers and legislators to assist Freehold Borough schools to obtain funding for a school expansion.

In April 2006, Acting Governor Richard J. Codey appointed Cardenas to serve on the Freehold Housing Authority as Commissioner with the mission of overseeing its functions. He was reappointed to this commission, by Governor Jon Corzine, in April of 2010, and still serves as Commissioner.

Prior to his law career, Lazaro worked in the financial services industry from 1991 till 2014. For 18 years he worked as Director of Information Technology at Prudential Insurance Company of America where he managed a team specializing in engineering technical solutions to solve business problems.
Cardenas resides in Freehold, New Jersey with his wife (Yeni) and two sons (Andres and Alejandro). He is a graduate of Brookdale Community College. He also holds a Bachelor’s degree and a Juris Doctorate degree from Rutgers University and is a member of both the Brookdale and Rutgers University Alumni Association.


Who killed New Jersey’s in-state tuition dream? –

Should the Electoral College be abolished? –

Stop unjust detainers at Monmouth County Jail –

Television Interview:

Decriminalization of Marijuana

Lazaro Cardenas, Esq.Real Estate Practice Manager
Brooklyn Attorney Family Law

Jason C. Bost, Esq. , MBA

Jason Bost has worked extensively in the legal industry assisting clients with family court matters, juvenile criminal matters, adult criminal matters, plaintiff (student) side special education litigation, intellectual property issues and business development and start-up projects. He has created and developed original business plans for non-profit and for-profit entities, assisted with securing project funding as well as provided project management for both domestic and internationally focused projects.

Working in the recording industry for almost 20 years, he has spent most of his time working on urban music projects, traditional and digital marketing, A&R consulting, and project management. He represented management clients on projects with Jay-Z, Beyoncé, Usher, Mos-Def, Kanye West, Carl Thomas, Ja-Rule, Lil Wayne, DJ Premier, Fat Joe, DITC, Dipset, G-Unit, Murder Inc., Bad-Boy, and many others. Jason also worked on Grammy award-winning and nominated projects, Emmy award nominated projects and received numerous RIAA certified Diamond, Platinum, and Gold recordings. He also represented clients and worked on projects for television networks such as HBO, Comedy Central, Showtime, VH-1 and worked on shows like Def Poetry Jam, the Dave Chappelle Show, and the Ali G Show.

Jason has also worked extensively with non-profit organizations and has a passion for teaching and community-based work.  He currently teaches basic and advanced civil litigation procedure as well as business law and graduate courses in business ethics. He also volunteers as a tutor with Princeton University’s PTI (Prison Teaching Initiative) where he provides tutoring services to incarcerated individuals working towards obtaining college degrees and coaches gymnastics for the New Jersey Special Olympics. He recently had his first book published and spends considerable time speaking and advocating for criminal and social justice reform. (more info on the book and speaking engagements can be found here:

Practice areas include:

  • Entertainment law
  • Family law
  • Bankruptcy
  • Foreclosure Defense
  • Business Formation (For-Profit & Non-Profit)


Rutgers School of Law, Newark, J.D. ‘13
New Jersey Institute of Technology, M.B.A. ‘09
State Univ. of New York at Brockport, B.S. ‘07
Member, New York State Bar

Jason C. Bost, Esq. , MBANew York - Managing Partner

Frequently Asked Questions

What happens if I leave a creditor out of my Bankruptcy?

It depends on what time of bankruptcy was filed and if you have assets.  In a chapter 13 bankruptcy and in a chapter 7 bankruptcy where there are...

Are Pay Day loans covered by bankruptcy?

If you have taken out payday loans, they be forgiven in bankruptcy.  The issues may arise that if the payday loans were taken our within 90 days...

Is social Security considered income in a bankruptcy?

Social security is considered income in a bankruptcy, but it is also considered exempt.  Looking at the laws of the US for social security and...

Are taxes dischargeable in bankruptcy?

You can have income tax over 3 years old forgiven in bankruptcy.  There are 3 rules for this.

You filed your taxes. If you filed your taxes on...

What is a PREFERENTIAL TRANSFER TO AN INSIDER? Or, can I sell my condo to my sister for a dollar and declare bankruptcy?

If you sell any property to someone for less than close to what it is worth (Full Market Value), and then declare bankruptcy, the bankruptcy...

My wife and I are an elderly, retired couple with 5 credit union loans from a credit union. Four Loans are not secured and one is secured against our car. The credit union is saying they are going to go after our car because we are behind on all of the notes except the car. Can they do that?

Unfortunately, Credit Unions do something called cross-collateralized. The Credit Unios will normally have wording in their loans that says...

I am a senior and defaulted on my HELOC (home equity line of credit). What are my options to avoid foreclosure?

If you have defaulted on your home line of credit or a reverse mortgage you have several options.

  1. Work out an agreement with the...
My mother passed away after I filed for bankruptcy. Does her estate become part of my bankruptcy?

If your mother, father or anyone else passes away and leaves you something within 180 days of your filing for bankruptcy that item may be pulled...

I was paying my car loan through a chapter 13 for 2 years, and had to convert to a chapter 7. Can I file a chapter 13 again?

Yes, you can file a chapter 13 after a chapter 7.  This is jokingly called a chapter "20" 13+7... Maybe it isn't the funniest joke, but it shows...

Can I file for a Chapter 7 Bankruptcy if I make too much money?

There are exemptions to the Chapter 7 means test.

  1. If the majority of your debt is business related, you can avoid the chapter 7 means...

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We will do 3 things in this meeting:

  1. We will listen to you.
  2. We will go over all of your options.
  3. We will prepare a written statement about your case that you can take to another attorney if you chose not to work with us.

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