How Foreclosure Works in Somerset County
If you are facing foreclosure in Somerset County, New Jersey, you have legal rights that can protect your home. Under the NJ Fair Foreclosure Act (N.J.S.A. 2A:50-53 et seq.), your lender must follow strict procedures before taking your property. Friscia & Associates has helped homeowners across New Jersey fight foreclosure, negotiate loan modifications, and preserve their homes. Call (973) 500-8024 for a free consultation.
New Jersey ranked among the worst states in the nation for foreclosure activity in 2025, with approximately 1 in every 273 housing units receiving a foreclosure filing. Somerset County homeowners are not immune to this trend.
New Jersey is a judicial foreclosure state. For Somerset County, foreclosure cases are filed in the Superior Court located at 20 North Bridge Street, Somerville, NJ 08876. Cases are processed through the Somerset/Hunterdon/Warren Vicinage.
Your mortgage servicer cannot file a foreclosure complaint until you are more than 120 days delinquent (12 C.F.R. § 1024.41(f)). Before filing, the servicer must send a Notice of Intention to Foreclose under the Fair Foreclosure Act (N.J.S.A. 2A:50-56), giving you at least 30 days to cure the default. Once a complaint is filed and served, you have 35 days to file an Answer (Court Rule 4:4-1). Within 60 days, you may request court-sponsored mediation (Court Rule 4:64-1B).
Homeowners who participated in New Jersey’s Foreclosure Mediation Assistance Program kept their homes 78% of the time and were nearly three times more likely to receive a loan modification.
Foreclosure Defenses Available to Somerset County Homeowners
Lack of Standing
The party filing the foreclosure must prove it has the legal right to enforce the mortgage and note under N.J.S.A. 12A:3-301. If the mortgage was sold, transferred, or securitized, the chain of assignments may be incomplete or defective.
Fair Foreclosure Act Violations
The NJ Fair Foreclosure Act requires specific notices, cure periods, and procedural steps. If the servicer failed to send a proper Notice of Intention to Foreclose or did not give you the required 30-day cure period, the court may dismiss the complaint.
RESPA and Federal Servicing Violations
Federal law (12 C.F.R. § 1024.41) requires mortgage servicers to evaluate you for loss mitigation options before proceeding with foreclosure. Dual tracking — pursuing foreclosure while your modification application is under review — is prohibited.
Truth in Lending Act (TILA) Violations
If your mortgage was originated with improper disclosures or predatory terms, you may have rescission rights under 15 U.S.C. § 1635 or damage claims under 15 U.S.C. § 1640.
Alternatives to Foreclosure
Loan Modification: Permanently changes the terms of your mortgage to make payments more affordable. Forbearance: Temporarily reduces or suspends payments. Short Sale: Sell the property for less than the outstanding balance with lender approval. Bankruptcy Protection: Filing Chapter 13 triggers an automatic stay (11 U.S.C. § 362) that immediately halts all foreclosure proceedings.
Why Choose Friscia & Associates
Friscia & Associates is led by Lawrence J. Friscia III, a University of Pennsylvania Law School graduate who began his career at Schulte Roth & Zabel LLP. The firm has been recognized by Rolling Stone, The Wall Street Journal, NJ.com, and Super Lawyers. We serve homeowners in all 21 New Jersey counties and have experience defending against Wells Fargo, Bank of America, Mr. Cooper, PHH Mortgage, Shellpoint, Freedom Mortgage, and Specialized Loan Servicing.
Serving Somerset County Communities
Friscia & Associates represents homeowners throughout Somerset County, including residents of Franklin Township, Bridgewater, Hillsborough, Bernards Township, Warren, Montgomery, North Plainfield, Bound Brook, Manville, Watchung, Somerville, Branchburg.
Get Help Today — Free Consultation
If you are facing foreclosure in Somerset County, do not wait. You have 35 days to file an Answer after being served, and 60 days to request mediation. Call (973) 500-8024 for a free consultation.
NJ Office: (973) 500-8024 | NY Office: (212) 960-8308