Turn a Complex Legal Process into a Clear Path Forward
The New Jersey Foreclosure Mediation Program is your opportunity to sit down with your lender and negotiate a solution to save your home. It effectively forces the bank to stop their automated collections process and listen to you.
However, you may have already discovered that dealing with the bank is frustrating. Unreturned calls, “lost” documents, and confusing letters are the norm. We are here to stop the runaround.
Let Us Carry the Burden
When you retain Friscia & Associates, the first thing we do is take the weight off your shoulders.
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We Handle the Communication: No more waiting on hold. We deal with the bank’s attorneys directly. -
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We Manage the Paperwork: Lenders require precise documentation. We compile, organize, and submit a professional package that meets their strict guidelines. -
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We Protect Your Rights: While we negotiate, we also ensure you are legally protected in the court system.
How We Secure Your Approval
The bank makes decisions based on math, not emotion. To get your loan modification approved, your application needs to pass their internal financial tests. We use a 3-Step Strategy to ensure your case is built for success.
We don’t guess—we calculate. Before we submit anything, we run the same “Net Present Value” (NPV) and Debt-to-Income (DTI) tests the bank uses. If there is a problem with your numbers, we help you fix it before the bank sees it.
The #1 reason for denial is “incomplete documentation.” We create a bulletproof application package. We track every submission to ensure the bank cannot claim they “lost” your file to delay the process.
We fight for terms you can actually afford. We aggressively negotiate for interest rate reductions, term extensions (up to 40 years), and principal deferment to lower your monthly payment.
Who Is Eligible?
The program is designed for homeowners who want to keep their property. If you fit this profile, we can help you fight for your home.
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Primary ResidenceYou currently live in the home (it is not a rental/investment).
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Residential PropertyThe property is a 1, 2, or 3-family home.
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Source of IncomeYou have income (wages, SSI, family help, or rental income) to support a modified payment.
You Don’t Have to Do This Alone.
The consultation is free, confidential, and there is no obligation. Let us review your case and explain your options.
Past results do not guarantee future outcomes. Attorney Advertising. Friscia & Associates LLC | 199 Wilson Ave., Suite A, Newark, NJ 07105.