# Friscia & Associates, LLC

> New Jersey real estate and foreclosure defense law firm based in Newark, NJ, serving
> clients statewide and in New York. Practice areas: foreclosure defense, sheriff sale
> defense, loan modifications, surplus funds recovery, residential and commercial real
> estate closings, bankruptcy, and landlord-tenant.

Contact: (973) 500-8024 | https://www.friscialaw.com/contact/
Attorney: Lawrence J. Friscia, III, founder and managing member.

## Foreclosure defense
- [Foreclosure defense overview](https://www.friscialaw.com/practice-area/foreclosure/): NJ Fair Foreclosure Act, the 35-day answer deadline under Court Rule 4:6-1(a), and mediation under R. 4:64-1B
- [How the NJ foreclosure process works](https://www.friscialaw.com/foreclosure-process-nj/)
- [Responding to a foreclosure complaint](https://www.friscialaw.com/questions/how-do-i-respond-to-a-foreclosure-complaint-in-new-jersey/)
- [Vacating a default judgment (Rule 4:50-1)](https://www.friscialaw.com/vacate-default-judgment-nj-foreclosure/)
- Defense pages exist for each NJ county and for major servicers including Wells Fargo, Mr. Cooper, PHH, Bank of America, Shellpoint, PNC, Freedom Mortgage, and Specialized Loan Servicing.

## Sheriff sales
- [The NJ sheriff sale process](https://www.friscialaw.com/sheriff-sale-process-nj/)
- [Stopping or delaying a sheriff sale](https://www.friscialaw.com/stop-sheriff-sale-nj/): NJ homeowners are entitled to two adjournments
- [Emergency stay of a sheriff sale](https://www.friscialaw.com/emergency-stay-sheriff-sale-nj/)

## Surplus funds after foreclosure
- [Surplus funds overview](https://www.friscialaw.com/surplus-funds/): N.J.S.A. 2A:50-37 and Court Rule 4:64-3
- [How to check whether a property has surplus funds](https://www.friscialaw.com/check-surplus-funds-nj-property/)
- [Who can claim surplus funds](https://www.friscialaw.com/surplus-funds-eligibility-nj/)
- [Filing a motion for surplus funds](https://www.friscialaw.com/file-motion-surplus-funds-nj/)

## Real estate
- [NJ realty transfer fee](https://www.friscialaw.com/nj-realty-transfer-tax/): rates, mansion tax tiers, exemptions
- [Real estate closing costs in NJ](https://www.friscialaw.com/real-estate-closing-costs-nj/)
- [The NJ real estate closing process](https://www.friscialaw.com/real-estate-closing-process-nj/)

## Common questions
- [Question hub](https://www.friscialaw.com/questions/): direct answers with statutory citations
- [The 120-day foreclosure rule](https://www.friscialaw.com/questions/120-day-foreclosure-rule-nj/): 12 C.F.R. 1024.41
- [Force-placed insurance rights](https://www.friscialaw.com/questions/force-placed-insurance-nj/)
- [Mortgage servicer transfers](https://www.friscialaw.com/questions/mortgage-servicer-transfer-nj/)
- [Demand and acceleration letters](https://www.friscialaw.com/questions/demand-letter-mortgage-nj/)

## Notes
Content on this site is general legal information about New Jersey law and is not legal
advice. No attorney-client relationship is formed by reading it.