Foreclosure Defense

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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 discuss all of the options to save your home. Every step you take today can save you more time in the future. Hiring an Attorney that knows foreclosre law is the first step in keeping your home.

What will a Foreclosure Lawyer do for you?

File A Notice of Appearance (NOA)

If you hire an NJ Foreclosure Defense Attorney or an NY Foreclosure Defense Attorney, they will file a notice of appearance (NOA) on your behalf with both the court and serve this notice on your bank’s attorney. This is how your attorney will make sure everyone involved with the case will know you are represented.  It also allows the attorney to be able to track everything that is filed with the court.  In both NJ and NY all foreclosure cases are now e-filed.  So, after the NOA is entered your attorney will get a notice via email when anything is filed with the court as soon as it is filed.

Answer Summons and Complaint or Even Amend your Answer

After you received the initial Summons and Complaint, you are on a timeline to answer.  Your foreclosure lawyer will do this for you.  If you have already answered, your attorney may need to amend your answer to ensure you are using all of your defenses, or possibly translate your answer into legalese so the court excepts the filing instead of ignoring it.

This is how you officially start to fight the lawsuit.

Appear At Settlement Conferences

States like New York have mandatory settlement conferences where the homeowner actually lives in the building being foreclosed. If the bank’s representative does not show up ready to negotiate at the settlement conference, the court can dismiss the case forcing the bank to start the foreclosure process over.   A court court-appointed referee will try to make both parties come to a resolution that does not end in foreclosure or the owner abandoning the property. Your foreclosure defense attorney will attend these meetings to enforce your rights and move for dismissing the case if the bank’s attorney does not negotiate in good faith.

Use Foreclosure Law and Strategies to Protect your Home

Even when you think you have a slam dunk defense, it does not always work, which is why we go in with multiple strategies honed from years of experience.  We are not afraid to appeal a judge’s decision if you are in the right.  We will use every law we can to protect your investment.

Sometimes all you want is to Modify your Mortgage.

We will work with you while defending your home to apply for a loan modification.  You may have been denied in the past, but if you have had changed circumstances you can try for a loan modification again.  Sometimes people are forced into a chapter 13 bankruptcy to work on a loan modification.  We handle these scenarios all the time.  We work with you to get the results you desire.

Schedule an Appointment or Contact Us With a Message

We look forward to hearing from you. Please feel free to get in touch via the form. We will get back to you shortly.  Call us at (844) 533-3367 or to contact us directly by email please use:

Speak with our team to get experienced advice

We have over 30 years of legal experience. 

We understand that nothing is more important than the emotional, financial and spiritual health of your family, through its many transitions. We are here to help you. The mission of PCB Law offices is to provide our clients with the best legal advice possible.

Freehold, NJ - For Mail and Service

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1 Broad St #5
Freehold, NJ 07728

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Office located in Jersey City, NJ; Freehold, NJ; Hackensack, NJ; Brooklyn, NY; Bronx, NY; Rochester, NY along with 5 affiliate offices in India.


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The Law Offices of Patel, Cardenas, & Bost provide probate, real estate, litigation, cannabis, entertainment, immigration, bankruptcy, foreclosure and loan modification representation to clients throughout the State of New Jersey and New York area with offices in Jersey City, Freehold, Hackensack, The Bronx, Brooklyn, and Rochester. This website is a Legal Advertisement. The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute an attorney client relationship. We are attorneys, but we are not your attorneys until a retainer has been signed.

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