If you have an IRS tax debt and want to resolve it for less than the total amount due or you need special payment arrangements, the IRS will require you to provide a budget to show how much you can afford to pay each month. As set forth in the internal revenue manual, the IRS […]
Free Review of Notices of Intent to Foreclose in NJ
FREE REVIEW OF Notices of Intent to Foreclose and Notices of Intent to Accelerate If you fall behind on your mortgage payments, you should receive a letter from your mortgage lender, by regular and certified mail, called a Notice of Intent to Foreclose (notice of Intent to Accelerate.) This notice is required by the New […]
Can a Bank Foreclose on a Property if the Homeowner Dies? (Updated 2023)
What Happens to a Mortgage When the Borrower Dies? When a homeowner dies, the lender can foreclosure, but the foreclosure must name the heirs, executors and administrators. When a homeowner or mortgage borrower dies, their Will normally dictates who will be in charge of their property, such as an heir, executor, or administrator. This person will […]
What Happens to a Second Mortgage After Foreclosure in NJ? (Updated 2023)
Can my Second Mortgage Lender Foreclose on my Property? Your second mortgage lender has as much right to foreclose on the property if you fall behind on payments as your original mortgage lender does. However, a second mortgage lender must pay off the first mortgage if they foreclose, so they will normally only proceed with […]
Select Portfolio Servicing (SPS) to Acquire Rushmore Loan Management Services
Select Portfolio Servicing (SPS) has announced that it is set to acquire certain Rushmore Loan Management Services assets, along with their servicing personnel and contracts, in a move that will see the two companies enter “a new era,” says Rushmore president, Jocelyn Martin-Leano. This transaction is expected to be completed in 2022’s fourth quarter, pending […]
Were You Denied a Home or Vehicle Loan Due to Your Credit Score?
During the months of March and April 2022, credit reporting giant, Equifax, one of the three largest credit reporting agencies in the country, issued incorrect credit scores for millions of consumers. If you were denied a home or vehicle loan due to your credit score, you may be entitled to receive compensation. As reported by […]
My Mortgage Company Locked My Account. What Should I Do?
My Mortgage Company Locked My Account and I Can’t Get Mortgage Statements or Account Information. What Should I Do? Many people opt to forgo paper mortgage statements in favor of receiving them electronically, via their lender’s system or app. However, we’re seeing many of our clients get locked out of these systems after they default, […]
How To Avoid Surplus Funds Scams in NJ
Being in foreclosure can be very difficult and draining, but if there is equity in the home, you could be entitled to “Surplus Funds” after a sheriff sale. Beware scams and scam artists who try to take large portions of these funds. These scams specifically target people who have just lost their home, or people […]
Who Takes Ownership Of A Home After Death of Parents or Divorce?
Supporting Successor in Interest Claim in an NJ Divorce Property Settlement Agreement When people get divorced, if one person wants to keep the home and be able to get a loan modification, they need to have specific language included in the divorce settlement that states only one party is the sole owner of the home. […]
Am I Entitled to Mortgage Surplus Funds? (Updated 2023)
What are Mortgage Surplus Funds? If your lender has obtained a Final Judgment of Foreclosure, they will attempt to sell your home at a Sheriff Sale and the money paid by the successful Bidder will be used to pay the lender. If the property is worth more than the amount owed to the lender, there […]
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