NEW JERSEY BANKRUPTCY FAQ

1. Does filing bankruptcy stop a foreclosure?
2. Do I qualify for a Chapter 13 bankruptcy?
3. What is a Chapter 13 Bankruptcy?
4. What is the means test?
5. Who is eligible for relief under Chapter 7?
6. What are the benefits associated with a Chapter 7 filing?

NEW JERSEY FORECLOSURE FAQ

1. Should I hire a foreclosure defense attorney?
2. How can I save my house if I am in foreclosure in New Jersey?
3. How much time do I have to respond to a foreclosure lawsuit in New Jersey?
4. What do I do if I was served with a foreclosure lawsuit in New Jersey?
5. What is a Notice of Intention to Foreclose?
6. What’s the Emergency Homeowners Loan Program?
7. What’s a short sale? What are the benefits and drawbacks?
8. What is the New Jersey Judiciary’s Foreclosure Mediation Program?
9. How does the foreclosure process work in New Jersey?
10. Can an attorney stop a foreclosure?
11. What are the first steps I should take when facing foreclosure in New Jersey?
12. What legal rights do I have as a homeowner facing foreclosure in New Jersey?
13. What is the typical timeline for a foreclosure process in New Jersey?
14. How does foreclosure impact me and my family in New Jersey?
15. What strategies can help prevent foreclosure on my New Jersey property?
16. What is a deficiency judgment, and how does it apply to foreclosures in New Jersey?
17. What is the role of a foreclosure defense attorney in New Jersey, and how can they assist me?
18. How does foreclosure affect my rental properties in New Jersey?
19. How does foreclosure affect co‑borrowers and guarantors of a mortgage in New Jersey?
20. What is the right of redemption in foreclosure, and how does it apply in New Jersey?
21. How can I prevent foreclosure with a repayment plan in NJ?
22. How can I protect my credit score during the foreclosure process in New Jersey?
23. What are reinstatement rights during foreclosure in New Jersey?
24. Can filing for bankruptcy stop a foreclosure on my home in New Jersey, and what are the implications?
25. What to do if you can’t make your mortgage payment in New Jersey?
26. How do I respond to a foreclosure complaint in New Jersey?
27. What is a Forbearance Agreement in New Jersey?
28. Will a loan modification stop foreclosure in New Jersey?
29. How long do you have to answer a foreclosure complaint in New Jersey?
30. What are the stages of foreclosure in New Jersey?
31. Foreclosure Defense Attorney vs. DIY Defense: Pros and Cons
32. How to prepare for your foreclosure defense case
33. Common mistakes to avoid during NJ foreclosure defense
34. How to challenge a wrongful foreclosure in NJ
35. How can I avoid foreclosure scams?
36. Benefits of early legal intervention in NJ foreclosure cases
37. What should I do if I receive a Notice of Intention to Foreclose in NJ?

NEW JERSEY REAL ESTATE FAQ

1. What is a Mortgage and Note?
2. What does the borrower pay at the time of closing?
3. What happens during a real estate closing?
4. What is an escrow?
5. What is a real estate closing?
6. What are the steps to owning my own home?
7. How can I sell my home quickly in a competitive NJ real estate market?
8. How can I navigate the home buying and selling process in NJ?
9. What should I expect during a home inspection in NJ?
10. Legal requirements for selling a home in NJ
11. How can I prepare my home for sale in NJ?
12. Pros & cons of buying a condo vs. single‑family home in NJ
13. What are the steps to buying a home in NJ?
14. Closing costs when buying a home in NJ?
15. Benefits of buying a newly built home in NJ
16. Common contingencies in NJ home‑purchase contracts
17. How to successfully negotiate a home purchase in NJ?
18. Avoid common pitfalls when selling my home in NJ?
19. Handle multiple offers when selling my NJ home?
20. Improve my home’s value before selling in NJ?
21. Buying a fixer‑upper home in NJ – what to know?
22. Making an offer on a home in NJ – what to know?
23. Benefits of home staging when selling in NJ
24. Handling a bidding war when buying in NJ?

NEW JERSEY SHERIFF’S SALE FAQ

1. How does the sheriff sale process work in New Jersey?
2. How can a sheriff’s sale be delayed or stopped in New Jersey?
3. What is a sheriff’s sale? How does it work in NJ?

NEW JERSEY MORTGAGE MODIFICATION FAQ

1. Different mortgage‑mod options through HAMP?
2. Possible mortgage‑mod / workout options for distressed homeowners?
3. What is the Obama HAMP program for borrowers?
4. What is a mortgage modification?

NEW JERSEY SURPLUS‑FUNDS FAQ

1. What are surplus funds?
2. Am I eligible?
3. How do I know money exists?
4. What’s the deadline?
5. How long does the process take?
6. How much does it cost?
7. Can heirs claim surplus funds?
8. Will surplus funds affect my bankruptcy?
9. Are surplus funds taxable?
10. What happens if no one claims?