Foreclosure In New Jersey Is A Long And Complicated Process

Foreclosure in New Jersey is a complex process that requires immediate attention. From receiving a Notice of Intent to Foreclose to the potential Sheriff’s Sale of your home, each step is critical, and appropriate actions can prevent the sale in certain circumstances.

First Step When Facing Home Foreclosure

The process starts with a Notice of Intent to Foreclose. After thirty days, your servicer may file and serve a foreclosure Complaint. You have thirty-five days to respond, and your Answer should be filed with the Office of Foreclosure in Trenton, New Jersey.

New Jersey Office Of Foreclosure And Next Steps

The Office of Foreclosure determines if your Answer is contesting or non-contesting. A contesting answer leads to case management and potentially a trial. NJ foreclosure defense attorneys can guide you through these stages.

Weighing Your Options & Rights As A NJ Homeowner

Foreclosure litigation and the modification/home retention process are distinct but related. While courts focus on foreclosure procedures, the modification process involves negotiating home retention options with your lender.

Friscia & Associates assists borrowers in navigating both aspects of foreclosure. If you’re facing foreclosure or at risk, or if you have any related questions, contact us for guidance. Call us at (973) 500-8024 or (212) 960-8308, or submit your contact information online for direct support.