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 with.  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 Probate, Foreclosure Defense, Real Estate Transactions, Bankruptcy, and Debt Collection/Consolidation.  We also have New York Licensed attorneys that focus on Probate, Foreclosure Defense, Real Estate Transactions, Bankruptcy, 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 write to the answers you need.

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

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.

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

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

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.

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.



We can help you prepare a will, along with a living will/advanced medical directive, or create a trust to protect your assets.  Our New Jersey Probate attorneys will assist you as the executor of the estate you manage. We will work with the beneficiaries on your behalf, and manage the estate’s creditors if you need help.

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. 



Bankruptcy, including New Jersey bankruptcy and New York Bankruptcy, are federal court processes designed to help both consumers and businesses eliminate or repay their debts under the protection of bankruptcy court. The federal law in Title 11 of the United States Code governs New Jersey bankruptcy as well as all other bankruptcies.

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.

Appellate Work

In England, the burden of proof in civil proceedings is in general, with a number of exceptions such as committal proceedings for civil contempt, proof on a balance of probabilities.In civil cases in the Maldives, the burden of proof requires the

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

Why I became a Foreclosure Defense Attorney focusing on Saving People’s Homes:

Since founding the law firm in Jersey City, I’ve been working as a Foreclosure Defense Lawyer helping families fix or alleviate their burdens in tight spots mostly related to NJ Home Foreclosure. Every day, I become a better Foreclosure Defense Lawyer, offering more options and better advice to my clients in NJ Tax Lien Foreclosures and NJ Mortgage Foreclosures, and I couldn’t be happier with my area of work. I’ve had the great luck and honor of having excellent partners who compliment me in their own passions and areas of practice and this means better results and more resources for our clients. The most rewarding moments are seeing the impact I have on entire families, and how the result of my work leads to a completely different life for many.

My passion for law started in college at Rutgers and it started from the beginning. You see, I didn’t have law school in my cards. My initial intention was to attend a community college and then transfer to a four-year university. Possibly, become a teacher. I had no idea what a University looked like, or what higher education truly meant. It was thanks to support from a special cousin who pushed me to take a hard look at Rutgers. I obtained admission through the Education Opportunity Fund – EOF program (a program designed to give those among us from tough backgrounds a shot at higher education). The moment I walked onto campus, it was like a lightbulb went off.

Free Consultations available for:

  • Foreclosure, Bankruptcy, Loss Mitigation, Real Estate, and Chancery Matters.


  • JDRutgers Law, Newark NJ
  • BA, Political Science, Rutgers, University College

Bar Admission & Licenses

How I transformed into a great New Jersey Foreclosure Defense Lawyer

I helped found a fraternity, became the youngest student government president in Rutgers’ school history, sat on committees with State Legislators. I even wrote speeches for Cory Booker (that’s a different story!), gave the valedictory address for my graduating class (see it here: https://www.youtube.com/watch?v=4qBdz7oBd7Q), and my greatest accomplishment… I found my future wife in a social phycology class. (We now have our first child on the way.)

During my time at Rutgers, I went through a transformation, and started thinking big! I wanted to learn about civil rights leaders, not only here in the United States but abroad – this is what lead to my passion for law, specifically as a Foreclosure Defense Lawyer saving peoples’ homes.  I applied for law school and started in 2009. In school, I started identifying social injustices that I noticed here and there, and through time. Keep in mind I was going through law school right after the great recession took hold, watching trillions flow to big banks with little to no help for millions of hard-working Americans who lost their homes to foreclosure. The culmination of all these things lead to my interest in foreclosure law, working for families, not banks.

The moment I had the chance, I spoke with Derek and Lazaro and we established this firm together. The goal was simple, work for people in tight spots, and make a living doing it. Since our founding, we haven’t looked back. I am excited that every year we continue to grow, and every year we help more than the last. With our new partner Jason Bost, our mission is now in Brooklyn New York. When my friends ask me what I do, I’m proud. I help people – there isn’t a better way to work.


Veer P. Patel, Esq.New Jersey - Managing Partner
Derek (DJ) Soltis, Esq.,

Why I became a Bankruptcy Attorney focusing on Saving People’s Homes:

Over the years I have helped people save their homes, get loan modifications, fought their cases for years in both state and federal court, helped them cash out the equity in their homes, walked people through bankruptcy, and rebuilding their credit. (A lot of people think that filing for bankruptcy destroys their credit for the rest of their lives, but that is nowhere near true.  We offer a program to people called 7 steps to a 720 Credit Score.” If you want to see an article on Debt Consolidation Versus Debt Negotiation Versus bankruptcy, click here.) I have personal experience with the areas of law my practice focuses on.

In 2005 I fell off a ladder while working as a Branch Manager for Grainger.  I shattered my ankle and broke my leg.  Eight surgeries later over a 7 year period I walk with a limp and take pain medication on a daily basis. (Aleve gets me through the day, but I can still tell you what the weather is going to be like based on the amount of pain in my leg.)

While I was laid up and unable to walk, I was downsized by my company. Nothing like being fired from your job to make you reevaluate your situation. As I always say, “Bad things happen to good people at the worst possible times.”  Grainger was closing branches all across the United States and I was just one of the thousands of people let go.  The one silver lining to the situation was that because of my disability at the time I was able to negotiate a larger severance package than many of the other people from my branch. (So, I have firsthand experience with employment law. Since then I have helped numerous people negotiate severance packages and worked with others on employment discrimination lawsuits.)

Fortunately, I was also in Law School at the time when things started going sideways for me. But unfortunately, after I broke my leg, I was given bad advice by an attorney who happened to be a Personal Injury Attorney and a family friend. He said that I didn’t have a case. If I had consulted with any other Personal Injury attorney, I would have been told I was able to sue multiple business entities and would most likely be retired in Florida based on the settlements. Instead, I work to protect other people’s rights and make sure they do not get bad advice from attorneys. At this time, I have a very personal connection to Personal Injury law and Product Liability law.

While in Law School, I bought a three-family home near my school in an area that was up and coming. Everything was fine until I moved out. Suddenly rent was coming in late or not at all. I had 5 evictions in a two year period. Tenants managed to get bed bugs, break into my basement, steal the property I had stored there, use baby wipes instead of toilet paper which clogged the sewer lines multiple times flooding the basement, one tenant harassed the other tenants in the building so that both of the other floors left with no notice, another eviction and three empty apartments later, 2 apartments infested with bed bugs, a flooded basement, and being about 6 months behind on payments to the bank. The bank moved to foreclose.

The building and tenants had broken my spirit about ever wanting to be a landlord again. I was now literately laid up with a leg recovering from surgery number 8, trying to secure full-time employment, and had a foreclosure looming over my head. I considered bankruptcy, debt consolidation, and debt negotiation. Made my plan and went forward with it.


Core Practice Areas:

Free Consultations available for:

  • Civil Suits, Personal Injury, Product Liability, Employment and Land Lord Tenant Matters including Mitchel-Lama properties in New York City – I rarely take these types of cases, but I am willing to help point you in the right direction.


  • JDRutgers Law, Newark NJ
  • MBA in Management Systems – International Business Designation,  – Fordham University, New York, NY – Honors: Phi Kappa Phi – Collegiate Honor Society (Awarded to top 10% of the class.), Beta Gamma Sigma
  • MS, Information and Communication Systems – Specialization in System Dynamics Fordham University, New York, NY – Honors: Phi Kappa Phi – Collegiate Honor Society (Awarded to top 10% of the class.), Beta Gamma Sigma
  • BBA, Computer Information Systems, University of Houston – Downtown Honors:  Cum Laude, Dean’s List 6 semesters, Beta Gamma Sigma – Business Honors Society

Career Previous to Practicing Law:


  • Bowery Mission, New York City, NY
  • American Red Cross, New York City, NY
  • Street Law Teacher – Alma E. Flag Middle School and Essex County Juvenile Detention Center
  • Domestic Violence Advocacy Project at the Essex County Court House

Bar Admission & Licenses

  • Admitted to the New York State Bar
  • Federal Eastern District of New York
  • Federal Southern District of New York
  • Licensed New York Real Estate Broker

If you want to know how that worked out I can tell you, but at the end of the day, what was right for me may not be right for you. So, I am not going to give you all the details as everyone needs his or her own plan tailored to his or her situation.

At the end of everything, I was eventually facing a sheriff sale of my property. Fortunately, I was able to get the bank to agree to a short sale by using a realtor and a short sale team that took on the stresses I did not want to deal with. So, instead of having a foreclosure on my record and facing a possible deficiency judgment that would have followed me for the rest of my life, I worked with investors that were able to beat up the bank and eventually buy the property for a lot less than I originally paid for it. Originally the bank was asking for $300,000 but the short sale eventually went through at around $180,000.

I lived rent-free while in Law School, learned a lot about landlord-tenant matters, short sales and real estate in general which helped grow my legal practice since I personally went through those issues. Since then I have seen multiple people in the same situation as I. Many people have been able to save their homes, others have had sold their homes to take out the equity, others have had a short sale of their homes, and others eventually lost their homes at auction as they did not have the money to save their homes or future income.

Over the years, I have found that I enjoy helping people get out of debt, and save their homes. So 50% of my practice is focused on foreclosure defense and debt relief. Another 25% is dedicated to protecting people’s assets through probate planning or probate work in court. I do work for some business related to debt collection from other businesses, chapter 11 bankruptcy, and commercial real estate sales. Another 20% of my work is spread between landlord-tenant, civil suits related to personal injury, and employment law. I rather focus on people than businesses especially when it comes to helping people that find them in a rough spot and their only options are using the court system.

Publications & Appearances

Success after Bankruptcy
Rebuilding your life after Bankruptcy

Derek (DJ) Soltis, Esq., MBA/MSPartner, Bankruptcy Practice Manager
New Jersey Real Estate Lawyer

Why I became a Real Estate and Probate Attorney focusing on Protecting People’s Future Today:

Since founding the firm, I’ve had the pleasure of working with countless families. I take my job as a counselor very serious and take great pride in assisting the families that walk through our doors. Every day, I strive to become a better practitioner and to offer more options and better advice to my clients, and this makes me very happy and it is one of the most rewarding experiences of my life.

I’ve also had the good fortune of partnering with two great individuals who truly compliment me and both of whom have similar ethical and moral character. They are equally passionate about their own areas of practice and in the end, this is truly what benefits our clients the most. Often our clients’ issues touch on two or more of our practice areas and have the solution in-house without having to involve other firms are of great benefit to our clients. One of the most rewarding moments is seeing the positive impact I have on entire families, and how the result of my work leads to a better life for many.

I can’t say that I always knew I would be a lawyer, in fact, my path to law school didn’t start until much later in life. I went to college and law school in my late 30s and early 40s. You see, I didn’t have law school in my cards, I am the son of a farmer and a homemaker, and becoming a lawyer was not something that seemed possible. When I returned to college in 2002 my intention was to get a college degree and become an executive at a fortune-100 company. (Your typical ‘climbing the corporate ladder dream). I had been in the corporate world for over a decade at that point, and this seemed to be what everyone else around me was doing.

However, soon after I completed my undergraduate degree I decided to continue with my education and realized that a law degree was what I wanted to pursue. It was thanks to the support I received from my family and some of my friends who pushed me to take a hard look at law school. In hindsight, this was one of the best decisions of my life and it allowed me to exit the corporate hamster wheel and pursue my true passion.

During my time in college, I also started to get involved with social justice issues. I joined an advocacy organization called the Latino Coalition of New Jersey, of which I am still a member, and worked on issues relating to immigration and civil rights. My work for this organization was an eye-opener and, in some ways, it was probably the catalyst that propelled me to attend law school. During my initial work in advocacy, I realized that people in power often misuse their position to manipulate the voiceless and powerless to their advantage. Trying to give those people a voice and advocating for them is the reason I enjoy being an attorney.

Core Practice Areas:


Trust and Estate

Wills, Power of Attorneys and Advanced Medical Directives

Real Estate

Free Consultations available for:

Probate, Real Estate, Foreclosure, Reverse Mortgages, Bankruptcy, Loss Mitigation, and Chancery Matters.


JDRutgers School Law, Newark NJ

BA, Political Science, Rutgers, University College

AA, Business Administration, Brookdale Community College

Bar Admission & Licenses

Admitted to the New Jersey State Bar

Federal District of New Jersey

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

Why I Enjoy being a Foreclosure Defense Attorney in New York

My strong belief in giving back, and assisting to those in need has kept me involved with community-based programs since starting my academic career 25 years ago. After a successful career in the entertainment industry, working with clients on numerous Grammy-nominated and Grammy award-winning projects (Entertainment Bio for Jason Bost can be found here), I decided to go back to school and I earned an MBA in Technology Management from New Jersey Institute of Technology and a JD (law degree) from Rutgers School of law in Newark. While at Rutgers I studied with and met some amazingly talented individuals, three of whom would later become my partners in the practice of law here at Patel, Soltis & Cardenas. It was through my partners that I was introduced to foreclosure defense and quickly discovered that, through the practice of New York foreclosure defense law, I was once again able to lend a helping hand and continue my desire to “giving back” to individuals in need.

The client in my very first foreclosure defense case had previously hired two different attorneys to assist her with fighting her foreclosure and unfortunately for her, both previous attorneys failed to provide much assistance, with one actually being disbarred, in part for his actions in her case. Needless to say, this client did not have must trust in lawyers at that time. Her niece, who was also an attorney, came with her when she met me for our initial intake, to make sure that our firm’s services were legitimate. After retaining me to work on her case, I was able to aggressively defend against the foreclosure action and I successfully negotiated a loan modification for her which forced the bank to withdraw their foreclosure action and helped my client keep the house she had worked so hard to purchase. Needless to say, she was ecstatic and beyond thankful! There are not many professional accomplishments that provide me with as much joy as helping a client meet the goals associated with their home. Whether they want to fight to keep their home, secure more time in their home in order to develop a long-term plan, or start the process of loss mitigation in preparation to either keep their home or sell their home through a short sale process, whatever the client’s goal, fighting to help them reach it is my job, a job that I thoroughly enjoy.

Practice Areas Include:

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

Education/Bar Membership:

  • 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 assets, the debt will not be discharged.  Which means you will still…

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 they need to be paid back.  Any debt that arises 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 disability payments we look to 42 U.S. Code Subchapter II - FEDERAL OLD-AGE, SURVIVORS, AND DISABILITY INSURANCE BENEFITS.…

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 April 10, 2015, for 2014 the taxes are able to be discharged…

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 trustee may view it as a Preferential Transfer to an Insider / FRAUD. An nd,…

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 something like, "Collateral securing other loans with the Credit Union may also secure this loan." This means that even though you only…

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. Work out an agreement with the bank.  This may sound complicated, but many times banks have programs to help get you back…

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 into the bankruptcy estate for the trustee to pay out to your creditors.  However,…

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 that this is such a common occurrence that attorneys and judges joke about…

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

There are exemptions to the Chapter 7 means test. If the majority of your debt is business related, you can avoid the chapter 7 means test. If you are on active duty in the military, you can avoid the chapter…

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