August 5, 2025 By

Foreclosure Defense

If you are facing foreclosure in New Jersey, all hope is not lost. Trusted New Jersey foreclosure defense lawyer, Ira J. Metrick, Esq., fights to protect your rights and save your home. Whether it’s challenging the foreclosure in court, contesting a Sheriff Sale, or pursuing loan modifications, we can help. Contact our office today for a free consultation.

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The Foreclosure Timeline in NJ

This detailed document explains the timeline for foreclosure in New Jersey. If you have questions or need further information, call my office for assistance.

Understanding the Foreclosure Process

The foreclosure process in New Jersey follows a judicial timeline, meaning the lender must file a lawsuit to foreclose. After receiving a complaint, homeowners have a chance to respond and defend. If no resolution is reached, the court may issue a final judgment and schedule a Sheriff Sale. For a full overview, see the timeline above.

How Do I Stop Foreclosure?

Foreclosure defense in New Jersey can be straightforward or complex. Some homeowners just need time and guidance. Others need to fight in court. I offer flat-fee representation for simpler cases, including responding to the complaint and reviewing the lender’s documents, but I also take on complex matters where litigation is required. No matter the path, I stay involved, explain each step, and help you make informed decisions.

How Can a Foreclosure Defense Lawyer Help?

The threat of losing your home can take a toll on you and your family, no matter what stage of the foreclosure process you are in. The most important thing for you to do to protect them and your home is to retain an experienced New Jersey foreclosure defense attorney.

With a foreclosure defense lawyer, you will have a strong advocate who will pursue every possible option for helping you retain your home, from modifications to litigation in court. Call our office today to discuss your NJ foreclosure defense options with a free consultation.

What Are My Options?

If you’re behind on your mortgage, you may have more options than you realize. Foreclosure isn’t automatic, and there are legal ways to slow down or stop the process. I help homeowners choose the right path based on their specific situation. Every homeowner’s case is different, and the right option depends on your goals and how far along the process is. Fill out the form on this page, and I’ll help you understand what steps to take next.

Loan Modifications

A modified loan can adjust your monthly payment, interest rate, or loan term to make repayment more manageable.

Repayment Plans

Repayment plans let you catch up on missed payments over time while continuing with your regular mortgage payments.

Forbearance

Temporarily pauses or reduces your payments if you’re facing a short-term financial hardship.

Challenging the Foreclosure

If the lender does not have proper documentation or has violated your rights, we can fight the foreclosure in court.

Defend Your Home From Foreclosure Today

The sooner you take action, the better the chance of saving your home from foreclosure. Call my office today: I will listen to your story, explain the foreclosure process, and lay out your available options, such as a loan modification, a short sale, or more time. My focus is helping New Jersey homeowners stay in control and fight back when it matters. Reach out today.