Ngingafaka impendulo kangaki ku-NJ?

Ingabe kufanele ngifake impendulo ekubonakalweni kwe-NJ Foreclosed yami yize izinsuku zami ezingama-35 seziphezulu?

Ingabe kufanele ngifake impendulo ekubonakalweni kwe-NJ Foreclosed yami yize izinsuku zami ezingama-35 seziphezulu?

Le nkampani eqinisa umthetho wokuvikela ukubikezela esifundazweni saseNew Jersey naseNew York. Umbuzo wanamuhla uthi: "Ngabe kufanele ngifake impendulo yize izinsuku zami ezingama-35 zisesimweni sami sokudalulwa kwaseNew Jersey."

Njengoba kunezimpendulo eziningi zomthetho impendulo ithi, “Mhlawumbe.” Izikhathi eziningi besingathi, “Yebo. Kufanele. ”Isizathu sokungafaki impendulo zivame ukuhlobana nezindlela zokuzivikela ezingaphakanyiswa, noma ukuthi ngabe udinga ngempela ukuphendula. Sinabaqashi beze kithi babuze ukuthi ngabe bafuna ukufaka noma yini inkantolo, futhi sesithole umqashi owayenesizathu sokufaka ifayili.

Yini emisa impendulo ekuvezweni kwami ​​kwe-NJ Foreclosed ngemuva kwezinsuku ezingama-35?

Into eyodwa ekususa ekugcwaliseni impendulo ngemuva kwezinsuku zakho ezingama-35 akusona isikhathi sezinsuku ezingamashumi amathathu nanhlanu; isicelo ngeseluleko esiphikisayo sokukuthola usuzenzakalelayo. Lokhu kugcwaliswa yikho okulawula ukufakwa kwempendulo. Noma kunjalo, noma ngabe usenziwe iphutha, kusenokwenzeka faka impendulo sekwedlule isikhathi ngemuva kokuphuma kokuzenzakalelayo.

Njengesibonelo, ake sithi ngemuva kokuphela kwezinsuku ezingama-35, manje sekuwusuku ezingama-45 mhlawumbe wawunjalo noma wawungekho ohlelweni lweNew Jersey Foreclosure Mediation. (Lokhu kwehlukile kune-a ingqungquthela yokulawulwa kwecala lokudalula.) Kodwa-ke, ummeli webhange akazange afake isicelo sokuthi wenze iphutha. Uma ufaka impendulo inkantolo izoyamukela ngokungathi ifakwe ngesikhathi. Ngikwenze kaningi lapho amakhasimende engakaze angiqashe kuze kuphele izinsuku ezingama-35.

Yini ebangela ukuthi ummeli webhange angavumi ukufaka umuntu ozenzakalelayo ekubonakaleni kweNJ?

Kwesinye isikhathi kuba nokuxhumana ukukhipha phakathi kwebhange nabameli babo. Kwesinye isikhathi ungahle ube nesivumelwano nommeli wamabhange, njengoba ucele izinsuku ezingama-45 kuye thengisa ikhaya lakho ngenkathi uku-Foreclosure, noma ukhona ukusebenza noma kuvunyelwe ukuguqulwa kwemalimboleko futhi bavuma ukuthi bangaqhubeki phambili. Kwesinye isikhathi icala lingaba semkhawulweni wamacala okusho ukuthi abameli abakwazi ukuqhubeka nokubekwa kwakho phambili. Kwesinye isikhathi abameli bebhange baphuthelwa ukufayila okwenzekile ngokushesha okusemandleni ngoba akusebenzi kahle njengoba kufanele, ummeli useholidini, iparelegal ayiphumi, ifayela lafakwa ngendlela engafanele, imalimboleko yathengiswa ebhange elisha , kwaqashwa izeluleko ezintsha…. Uhlu luyaqhubeka nokuthi kungani kungenzeka ukuthi ukufayila kungekenzekanga masinyane njengoba kungenzeka kwenziwe.

Kuzo zonke lezi zibonelo, lokhu kunikeza wena ithuba lokuba ummangalelwa afake impendulo, noma sekuphelelwe izinsuku ezingama-35. Ngakho-ke, hlala ukhumbula, ngoba zithi ezinsukwini ezingama-35 ekubizeni kwakho okuvela ngaphambi kwesikhalazo nesikhalazo usengafaka impendulo ecaleni lakho lokumbulwa kwembokodo laseNew Jersey uma ungakahlulwa. Izikhathi eziningi lapho imali isemgqeni webhange, ukufayila okuzenzakalelayo ngemuva kwezinsuku ezingama-35 kuyinto eza kuqala. Sibe namakhasimende acishe abe sezingeni lokuthi lapho kukhona izindlu endalini zikhishwe cishe izinyanga ezi-4 ngemuva kokudalulwa kwecala futhi azange zilwe. Ngakho-ke, ungakholelwa kunoma ngubani othi uneminyaka yokuzikhulumela ukubona ngaphambi kwesikhathi.

Kodwa-ke, kwesinye isikhathi abameli bebhange abafaki ngokushesha okukhulu njengoba kufanele ngakho kufanele kusebenzela wena. Ngakho-ke yimpendulo yombuzo: "Ngabe kufanele ngiphendule impendulo ekumbonweni kwami ​​kwe-NJ yize izinsuku zami ezingama-35 sezikhuphukile?"

Noma ungeyena umnikazi ekubikezelweni kwegama njenge-an umsizi noma, umqashi futhi unemibuzo uzizwa ekhululekile ukushayela a Ummeli Wezokuvikela weNW ukuthuthukisa isu lokugcina ikhaya lakho noma ukuhamba ngezindlela zokuthengisa ikhaya lakho noma uvuselele isikweletu sakho ngemuva kokudalulwa, noma uxoxe noma yiziphi izingqinamba ezingokomthetho ongaba nazo. Shayela 973-200-1111 noma i-imeyili [Email protected]

Isimo sezulu Esingaziwa - I-NJ Ummeli wakho

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