Are you facing foreclosure, a sheriff sale, or need help claiming surplus funds? For more than two decades, Ira J. Metrick has worked with hundreds of New Jersey homeowners to pursue loan modifications and save their home from mortgage foreclosure. No matter what stage you’re at in the foreclosure process, you may still have options. Contact us today for a free consultation.

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Meet Ira J. Metrick
Mr. Metrick has been helping New Jersey consumers for over 20 years and is prepared to help you with a variety of complex legal issues, including Surplus Funds, Foreclosure Defense, and Mortgage Loan Modifications. Clients often express an overwhelming sense of relief after meeting with Mr. Metrick and his team, understanding where they are in the process, and what legal options exist. Contact us today to schedule a free consultation to discuss the details of your case.






See What Past Clients Have to Say
Experienced Foreclosure Defense Attorney That Gets Results
We have defended against foreclosures from many different mortgage servicing companies and many different foreclosure Law Firms. We have also brought several Federal Lawsuits when lenders, or their attorneys, have violated your rights in the foreclosure or modification process. Grounds for a Federal lawsuit can include, but are not limited to:
- Pursuing a foreclosure or sheriff sale while your loan modification application is still being reviewed (also known as Dual Tracking).
- Refusing to honor or review your loan modification.
- Not responding to your loan modification application within 30 days.
- Refusing to accept your mortgage payment or mortgage reinstatement.
- Declaring you in default and threatening foreclosure even though you are up to date on your payments.
- Contacting you directly when you are represented by an Attorney
If any of these or other situations have happened to you, contact the law office of Ira J. Metrick today to discuss your options.

We Help Homeowners Fight Foreclosure, Stop the Sheriff Sale, and Pursue Loan Modifications
Many homeowners believe that all hope is lost once their mortgage lender starts the foreclosure process. You have the right to fight foreclosure, and there are many laws in place in New Jersey to make sure that you have every possible opportunity of saving your home. Even if you are facing a sheriff sale, you may still have options. Our office can work with you to help make sense of important foreclosure notices and pursue a loan modification that will stop foreclosure.

Claiming Surplus Funds
When a property is foreclosed in New Jersey and sold at auction, any funds left after paying off the mortgage and other liens may be owed to the former homeowner. These are known as “surplus funds,” and they represent an opportunity for previous owners to recover some of their property’s value. However, claiming these funds is often complex and involves specific steps. We can easily guide you through the process, so call our office if you need help or believe you are entitled to surplus funds.






