New Jersey Foreclosure Defense Lawyers – We help Families Keep Their Homes

Jul 12, 2021 | New Jersey Foreclosure Defense

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

When someone asks for “the Best NJ Foreclosure Lawyer near me”, we are the logical choice.  We focus on helping people not big banks. We represent clients throughout the State of New Jersey including: Hudson County, Monmouth County, Bergen County, Essex County, Union County, Ocean County, Passaic County, Middlesex County, Sussex County ,Atlantic County, Somerset County, Burlington County, Camden County, Cape May County, Cumberland County, Gloucester County, Hunterdon County, Mercer County, Morris County, Salem County, and Warren County. We also represent homeowners in New York City, Kings County, The Bronx, Westchester County, Queens, and Staten Island.
We have assisted NJ Homeowners in evicting tenants and former owners of property after foreclosure.

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:

  1. Defend yourself in court;
  2. Negotiate a loan Modification;
  3. Refinance your loan with a different bank;
  4. Sell your home at the current market level to take out your equity;
  5. Bankruptcy
  6. Reinstate your Loan
  7. 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

If you are trying to avoid foreclosure in NJ, you have options.
Do you need assistance negotiating with your lender?
A decent NJ Foreclosure attorney will have experience to effectively negotiate with your lender to avoid a foreclosure sale or find alternative solutions. If you have been turned down for a loan modification in the past speak with our attorneys to review your previous paperwork for free.
Based on past work with banks and loan servicers as NJ foreclosure attorneys we can give you a honest answer whether you will likely qualify for a loan modification, or what you would need to do to make your loan modification request to likely be successful.  No everyone will qualify for a loan modification, and foreclosure attorneys should be able to understand that.  If you feel like you had your money stolen by loan modification or attorney, you have remedies that we can help with.


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:

Link to Consumer Finance Loan Modification Regulations 

The Law Offices of Patel & Cardenas

Why Choose Us?

Free Initial Consultations

Multilingual Attorneys

Thousands of Clients Served

Focus On Quality Client Care

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(973) 542-9407