New Jersey Foreclosure Defense Lawyers – We help Families Keep Their Homes
Let us use are 30 years of experience to help with your Foreclosure Issue
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We can help you and your family defend you against your bank in a foreclosure. We want you to keep your home. If you have a high-interest rate we can work to reduce your loan payments through refinancing or a loan modification. If you are looking to buy time to reorganize, we can discuss bankruptcy, but only if there is no easier way out. We have helped many homeowners like you secure loan modifications from dozens of banks and loan servicers.
Only Serving Homeowners, Probate Estates and Real Estate Owners throughout the State of New Jersey in real estate tax foreclosures, residential mortgage foreclosure, Commercial Foreclosure Proceedings, Partition Actions, and Emergency Applications to Vacate NJ County Sheriff Sales. We only represent creditors in federal bankruptcy court to submit Proof of Claims or defending Proofs of Claims proceedings in Federal Bankruptcy Courts in Newark, Trenton and Camden Federal Bankruptcy Courts. We do not bring foreclosure actions against homeowners. We defend homeowners and help small businesses.
Our NJ Foreclosure Attorneys focus on representing property owners in residential foreclosure cases and commercial property owned by families and small businesses throughout the State of New Jersey, including real estate tax foreclosures. PSCB Law has NJ Foreclosure Lawyers with extensive experience saving people’s comes from foreclosure.
We have Foreclosure Defense experience in:
- Defending NJ Residential Foreclosures in NJ Court
- Defending NJ Tax Lien Foreclosures in NJ Chancery Court
- IRS Tax Resolution (Including lifting Income Tax Liens)
- Redeeming NJ Sheriff Sales
- Vacating Final Judgments in NJ Tax Lien Foreclosures
- Representing Property Owners in NJ Bankruptcy Court and NY Bankruptcy Courts
- Chapter 13 Bankruptcy (Ability to lift liens if they interfere with Homestead Exemption)
- Chapter 7 Bankruptcy
- Prosecuting Bankruptcy Violations by Creditors
- Recouping overages after a Sheriff Sale that the former Homeowners are entitled
- Loan Modifications
- Negotiating loan workouts and forbearance agreements on behalf of property owners
- Short Sales
- Foreclosure Mediation
- Defending Construction Lien Foreclosures
- Prosecuting or Defending a Partition Action
FAQs Related to New Jersey Foreclosure Lawyers
Is your lender using illegal means to steal your home? New Jersey is a judicial foreclosure state. This means your bank/loan servicer has to follow a strict set of rules and regulations under both NJ State and United States Federal law to go to court to try to take your home away through the foreclosure process. (If you are facing a tax lien foreclosure, there is a different process.) New Jersey’s Chancery Court handle lawsuits related to foreclosure. If you answer your foreclosure complaint the wrong way, you may give up the defenses that you have to save your home. When we review foreclosure complaints, we go through all of the NJ State Laws and Regulations as related to your specific situation. We do not just apply boilerplate solutions, we craft a defense and timeline specific to your situation and desired outcome. What are the alternatives to foreclosure?To avoid foreclosure in NJ, you can:
- Defend yourself in court;
- Negotiate a loan Modification;
- Refinance your loan with a different bank;
- Sell your home at the current market level to take out your equity;
- Bankruptcy
- Reinstate your Loan
- Ask your bank for loss mitigation options, these include:
- Loan Modification
- Short Sale
- Short Pay Off
- Deed-in-lieu-of-Foreclosure
- Forbearance
- Repayment plan
- Debt Forgiveness
TESTIMONIAL
HIGHLY RECOMMEND Attorney Veer Patel! We needed urgent and complex legal advice from a local Hudson County Real Estate Attorney and was referred to Veer Patel by a trusted local real estate broker we’ve dealt with for years. Mr. Patel’s office immediately responded and scheduled time to speak with us. Mr. Patel and his assistant were polite, professional, patient in listening to us and most importantly, demonstrated their years of experience and expertise in explaining the options available for our legal situation. Mr. Patel promptly reviewed our legal paperwork and gave us a dose of reality on what the law says we can do. When looking for an Attorney, you want someone who is experienced and also knows how to handle referrals and clients. We’d use their services again without hesitation and highly recommend you do the same. They were easy to talk to and never rushed us off the phone or treat us as a nuisance as some attorneys do.”- Additional Resources:
