Can I be Removed from my Home After a Monmouth County Sheriff Sale in a Foreclosure by an Order to Show Cause for Ejectment? Ejectment of a homeowner after a sheriff sale can be contrary to Equity and Law and may violate Due Process Rights. Once your home has been sold at a sheriff sale […]
Beware of Fake Loan Modification Companies
Updated December 2018 A Warning Regarding Loan Modification Scams With the recent increase in New Jersey foreclosures, there has been a rise in fraudulent companies claiming to offer the following: “Loss Mitigation Consulting” “Foreclosure Prevention” “Mortgage Loan Modification” Any related service where the company is offering to negotiate your loan with your lender in exchange […]
The New Owner Of My House Is Claiming I Owe Money. What Do I Do?
I Am Facing an Ejectment Action From my Foreclosed Home. What Are My Rights? After the foreclosure process, when your home has been sold to a new owner at a sheriff sale, it is only a matter of time before you have to move. However, you still have rights that must be observed by the […]
Can I File a Motion to Stay Sheriff Sale?
What is a New Jersey Motion to Stay Sheriff Sale? A New Jersey Motion to Stay Sheriff Sale is a written request to the Court in your County to ask a Judge to temporarily halt Sheriff Sale. Generally, these motions are filed on an emergent basis on or near the day of the sale. However, […]
Can I Get a Loan Modification While in Bankruptcy?
Avoiding Foreclosure with a Loan Modification Falling behind on mortgage payments or having your house foreclosed on is always extremely stressful and it can seem like there is little you can do to stop it. However, there are ways to relieve the pressure or temporarily halt the foreclosure. One of the best actions you can […]
What You Need to Know about VA Mortgages
What are VA Mortgages? Veterans Affairs mortgages, also known as VA Home Loans, help veterans get financing to buy a home through loans that are easier to qualify for than traditional mortgages. Some important information about VA Mortgages: They are available to all active military members, military veterans, and spouses of military members who died […]
Beware of Hard Money Lenders
What Are Hard Money Lenders? Hard money lenders offer an alternative way of getting loans, including those you would use to pay off your mortgage. They differ from traditional mortgage lenders in that the loans come from private individuals or investors based on the property you are using as collateral (in this case, your home). […]
Does a Chapter 7 Bankruptcy Stop Foreclosure?
Chapter 7 Bankruptcy and Foreclosure It is a common misconception that if you file for Chapter 7 bankruptcy, your foreclosure goes away forever. While it does temporarily halt all foreclosure proceedings, it is not a permanent solution. Your lender will eventually be able to foreclose on your property. What Happens To My Mortgage When I […]
I’ve Defaulted on a Step Rate Loan Modification. What Should I Do?
At the Law Firm of Ira J. Metrick, we often receive calls from homeowners who had a prior modification, but defaulted due to loss of employment, health issues or because of an increase in their modification’s interest rate. Unfortunately, defaulting on modifications is a common situation that arises when your modification has a “step rate” […]
How Long Do I Have Until the Sheriff Sale?
When Will My Sheriff Sale Be Scheduled? Once your lender has received a Final Judgment in the foreclosure, they are permitted to schedule a sheriff sale. When your home is scheduled for a sheriff sale in New Jersey, it can be a very stressful experience. A common question we are asked is, “How long do […]
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