BEWARE MISLEADING NOTICES OF INTENT TO FORECLOSE A NOTICE OF INTENT TO FORECLOSE CANNOT CLAIM THAT A FORECLOSURE HAS BEEN FILED. SENDING THE NEW JERSEY COURT MEDIATION PACKET MAY BE IMPROPER. YOU SHOULD NOT RECEIVE A PACKET OF DOCUMENTS THAT LOOKS LIKE THIS: Click here to see a full example of an incorrect Foreclosure Mediation […]
What Are My Options For Stopping an FHA Foreclosure?
The Federal Housing Administration (FHA), a branch of U.S. Department of Housing and Urban Development (HUD), insures mortgages for homeowners who may not qualify for traditional mortgage due to poor credit or other financial struggles. There are several differences between FHA insured mortgages and traditional mortgages: Borrowers with FHA loans can pay a much smaller […]
Can Bankruptcy Stop an HOA Foreclosure?
Understanding HomeOwners Association (HOA) and Condominium Foreclosure In New Jersey In New Jersey, if you live in a condominium, townhome or a single family home that is part of a common interest development, you most likely have to pay dues and assessments to a condominium association (COA) or a homeowners’ association (HOA). Falling behind on […]
Ira Metrick Wins FDCPA Violation Case On Behalf of Disabled NJ Veteran
Mr. Metrick recently had a published decision against a bank and law firm on behalf of a disabled New Jersey veteran for claims under the FDCPA (FLORY v. MCCABE, WEISBERG & CONWAY, LLC and FIRST ATLANTIC FEDERAL CREDIT UNION et al (3:18-cv-15522), New Jersey District Court). In their decision, the court required the bank and […]
Breaking Down The New NJ Foreclosure Laws
On Monday April 30th, Governor Phil Murphy signed a package of bills into law designed to help New Jersey homeowners facing foreclosure stay in their homes, as well as addressing other aspects of the NJ foreclosure crisis. Here is a breakdown of these new laws. We will be providing more information as it becomes available. […]
Breaking Down the NJ Foreclosure Process
Foreclosure can be a lengthy ordeal. While dealing with foreclosure can be stressful, it is important to understand the process and your options. The following is intended to help understand what you can expect in a foreclosure case. The NJ Foreclosure Process: Step by Step Default The foreclosure process can begin after a default of […]
What Is the Statute of Limitations on NJ Foreclosures?
Foreclosure and the Statute of Limitations Many mortgage lenders end up with a backlog of delinquent loans, and processing these can take months or even years after the borrower ceased to make payments. This means foreclosure actions on a property may be subject to a time limit known as a statute of limitations. Any legal […]
Am I Entitled to Mortgage Surplus Funds?
What are Mortgage Surplus Funds? If your lender has obtained a Final Judgment of Foreclosure, they will attempt to sell your home in a Sheriff Sale for an amount that will cover what you owe on the mortgage, plus any costs and fees, as long as the costs and fees were added to the Final […]
I Am Facing An Ejectment Action in Monmouth County. What Do I Do?
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 […]
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 […]
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