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New Jersey Foreclosure Defense

Todd Murphy Law NJ Foreclosure Lawyer loan modification bankruptcy

Defending homeowners against foreclosure actions has been a major part of our practice since the financial crisis of 2008-2009.

New Jersey has the dubious distinction of being number one in foreclosures resulting in many New Jersyans losing their homes through a sheriff sale.

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(862) 217-2136  

Default: Once you have missed three (3) mortgage payments, your lender will declare your loan in default and accellerate the payments making the entire balance due immediately.

Steps to avoid a foreclosure acton: Once there is a default and even prior to default, you should contact the bank to discuss options to get back into repaymet status if it is at all possible. Options might include a forebearance or a temporary reduced payment plan.  

Commencement of Foreclosure action: Upon default, a lender will send you a Notice of Intent to Foreclose advising you of the right to reinstate your loan by fully paying off the missed payments within 30 days. If you cannot make that payment, the lender will go forward with filing the foreclosure action to enforce the note and mortgage.

35 Days to respond: The sheriff's office will serve you with a Summons and Complaint in foreclosure which requires your immediate attention to avoid a default judgment. An answer or other filing must be filed within 35 days of your receipt of the summons and complaint.

You must file an Answer: At Todd Murphy Law, we can help you save your home from foreclosure by filing the answer and then taking steps to help you get back on the repayment path.

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(862) 217-2136

How We Help  

If you're lying awake at 2 am, worrying about not knowing how to save your home- you should be able to find the answer here. Browse around our website to find answers to most if not all of your questions.

Go ahead, take a look and get all of the free information you want. By the time you've read some case studies and articles, studied our consumer guide and watched some of our videos and webinars, you'll be a mini-expert on the subject.  

If you can't call now, book a Free 30-Minute Phone Appointment below.  

We get so many calls coming in throughout the day, and it can be difficult to connect with everyone. We rely upon technology to do the work for the both of us. My online calendar is right below with lots of day, evening and weekend time slots. 

Choose a time, and I will call you at the time you choose; it's as easy as that. 

Booking an appointment will ensure that we can reach one another and discuss your situation one-on-one. Then we can develop a strategy that works for you. I look forward to helping you!  

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