Foreclosure

Facing foreclosure is a stressful and daunting experience for homeowners. New Jersey homeowners have specific rights and timelines to be

We are a New Jersey Consumer Defense Law Firm that focuses on Defending Foreclosures and helping our clients get Mortgage

FREE REVIEW OF Notices of Intent to Foreclose and Notices of Intent to Accelerate If you fall behind on your

What Happens to a Mortgage When the Borrower Dies? When a homeowner dies, the lender can foreclosure, but the foreclosure

Can my Second Mortgage Lender Foreclose on my Property? Your second mortgage lender has as much right to foreclose on

Supporting Successor in Interest Claim in an NJ Divorce Property Settlement Agreement When people get divorced, if one person wants

What are Mortgage Surplus Funds? If your lender has obtained a Final Judgment of Foreclosure, they will attempt to sell

How to Stop Foreclosure on an Inherited Home in NJ If you inherited a home that is at risk for

As of December 31, 2021, the Federal Regulations preventing foreclosures for those who have federally-backed mortgages have come to an

If you are facing foreclosure in the state of New Jersey, it is important to keep track of the steps

What is a New Jersey Tax Sale Foreclosure? If you fail to pay your property taxes in New Jersey, the

Attention NJ Homeowners: FHA foreclosure complaints are now being filed in New Jersey by the following three mortgage servicing companies:

While commercial foreclosures have continued to proceed during the COVID-19 pandemic, courts have paused issuing writs of possession and enforcing

Phelan Hallinan Diamond and Jones, LLP, a Major Foreclosure Mill Law Firm, Has Closed Phelan Hallinan Diamond and Jones, LLP,

New Jersey Lenders CANNOT Charge Late Fees During Foreclosure Once your lender has filed a foreclosure complaint, they can no

During the ongoing COVID-19 situation, many New Jersey homeowners are receiving relief on their mortgage payments through mortgage forbearance. This

NCLC’s chart, Summary of Foreclosure Alternatives for Borrowers with COVID-19 Hardships (updated April 21, 2020), is a key resource summarizing

While many New Jersey mortgage lenders are offering mortgage forbearance due to the Coronavirus and foreclosures are paused for the

Care Act Mortgage Forbearance Can Apply To Reverse Mortgages Federally Backed Mortgages are eligible for a Mortgage Forbearance under the

Mortgage Forbearance For GSE (Government Sponsored Enterprise) Loans If you have a federally backed mortgage loan, the CARES Act provides

This is a summary of information on mortgage forbearance that originally appeared on the National Consumer Law Center (NCLC) website.

What is Mortgage Forbearance? What Will Happen Afterwards? There are new state and federal programs to provide “Forbearance” on mortgage

The Federal Housing Finance Agency (FHFA) has directed Fannie Mae and Freddie Mac (the Enterprises) to suspend foreclosures and evictions

My Loan Was Transferred From Ocwen to PHH and My Home was Sold at Sheriff Sale. Is This Legal? We

What is an Occupancy Inspection in New Jersey? If a homeowner falls behind on their mortgage payments, their mortgage lenders

BEWARE MISLEADING NOTICES OF INTENT TO FORECLOSE A NOTICE OF INTENT TO FORECLOSE CANNOT CLAIM THAT A FORECLOSURE HAS BEEN

The Federal Housing Administration (FHA), a branch of U.S. Department of Housing and Urban Development (HUD), insures mortgages for homeowners

Understanding HomeOwners Association (HOA) and Condominium Foreclosure In New Jersey In New Jersey, if you live in a condominium, townhome

Mr. Metrick recently had a published decision against a bank and law firm on behalf of a disabled New Jersey

On Monday April 30th, Governor Phil Murphy signed a package of bills into law designed to help New Jersey homeowners

Foreclosure can be a lengthy ordeal. While dealing with foreclosure can be stressful, it is important to understand the process

Foreclosure and the Statute of Limitations Many mortgage lenders end up with a backlog of delinquent loans, and processing these

Can I be Removed from my Home After a Monmouth County Sheriff Sale in a Foreclosure by an Order to

I Am Facing an Ejectment Action From my Foreclosed Home. What Are My Rights? After the foreclosure process, when your

What are VA Mortgages? Veterans Affairs mortgages, also known as VA Home Loans, help veterans get financing to buy a

What Are Hard Money Lenders? Hard money lenders offer an alternative way of getting loans, including those you would use

Chapter 7 Bankruptcy and Foreclosure It is a common misconception that if you file for Chapter 7 bankruptcy, your foreclosure

Foreclosing Based Upon An Assignment of Mortgage? Sometimes we receive calls from homeowners who have been mailed a foreclosure complaint

What is a Short Payoff? At the law office of Ira J. Metrick, we help homeowners stop foreclosures in a

What Happens After a Sheriff Sale? Can the New Owner Walk In and Change the Locks? Once your home is

FORECLOSURES DON’T TAKE YEARS IN NEW JERSEY New Jersey has the unfortunate distinction of leading the nation in foreclosures. In

If you are a Defendant in a foreclosure case in New Jersey, you have the option to represent yourself. Should

IF YOU FILE 3 BANKRUPTCIES WITHIN ONE YEAR, THERE IS NO AUTOMATIC STAY AND YOU WILL NOT STOP THE FORECLOSURE

Is The New Owner Allowed to Lock Me Out of My Home After Foreclosure? When the foreclosure process is over

Mr. Cooper, Formerly Nationstar Mortgage In August 2017, Nationstar Mortgage, one of the country’s largest non-bank mortgage lenders, announced that

The Right To Cure Default Pursuant To Section 6 Of The New Jersey Fair Foreclosure Act The New Jersey Fair

What is a Reverse Mortgage? In a traditional mortgage, a homeowner borrows a sum of money from a lender to

CAN MY LENDER PURSUE ME FOR MONEY (DEFICIENCY) AFTER FORECLOSURE? At the end of the foreclosure process, after the lender

What is a Notice of Intent to Foreclose? If you fall behind on your mortgage payments, before a foreclosure complaint

My Lender Has Gotten a Final Judgment of Foreclosure. Can I Still Get a Loan Modification? Many people get nervous

We are often asked what can be done to stop a Sheriff Sale once it has been scheduled. In New

What is a New Jersey Mortgage Foreclosure Summons and Complaint? The New Jersey mortgage foreclosure process starts when you receive

I Received a Foreclosure Complaint. What Is My Next Step? Getting served with a foreclosure complaint is a stressful experience.

Stopping Foreclosure Through Reinstatement In situations where a borrower is behind on their mortgage payments, they have the option of

What is Mortgage Reinstatement? If a borrower is behind on their mortgage loan payments, they may be in a position

The NJ Courts Foreclosure Mediation Program in MONMOUTH COUNTY is CLOSED. The Court’s foreclosure Mediation program in Monmouth County is

What is a Deficiency After Foreclosure? Many houses are “underwater,” meaning that the homeowner owes more than the house is

NEW LAW TO STOP FORECLOSURES ON SANDY DAMAGED HOMES A new statute has gone into effect regarding property that was

HELP! MY NEW LENDER TOOK MY MONTHLY PAYMENT BUT SAID I AM IN DEFAULT Although your original lender may be

A foreclosure is one of the most stressful events a homeowner can go through. It is normal to feel a

After a mortgage lender has obtained a final judgment in a foreclosure, they have the option to schedule a Sheriff

When is The Sheriff Sale and How Do I Stop It? One of the most common questions we get asked

MANY TRANSFERRED MORTGAGES CONTAIN VIOLATIONS OF FEDERAL STATUES. We are a cutting edge and aggressive Foreclosure Defense firm that can