If you are facing the prospect of losing your home in Middlesex County, NJ, to foreclosure or a sheriff’s sale, it is important to understand that you have rights under New Jersey law, and we can help you understand them and help you try to save your home. Attorney Ira J. Metrick has spent over two decades representing homeowners across the state. Regardless of where you are in the foreclosure timeline, call our firm for a free Middlesex County Foreclosure Defense consultation to discuss your options.
Foreclosure Defense in Middlesex County NJ
Dealing with confusing legal paperwork and the looming threat of a Sheriff Sale in New Brunswick is incredibly stressful. However, you have multiple options that can help defend against foreclosure and much more.
Saving Your Home From Foreclosure
We take on all major mortgage servicing companies and their aggressive legal teams. Our firm makes absolutely certain that lenders possess the actual authority to foreclose while meticulously scrutinizing their procedures to catch any rights violations. We act as a solid shield directly between you and the lenders.
Securing Loan Modifications
Modifying your loan permanently adjusts your mortgage terms so you may be able to afford to permanently halt the foreclosure and save your home. We handle the demanding application paperwork and force your servicer to evaluate your request fairly under both federal and state regulations.
Stopping Sheriff Sales
Even with an auction already stamped on the calendar at the Middlesex County Sheriff’s Office, we can still intervene. By exercising your statutory rights to adjourn the sale or filing an emergent court motion, we can help to secure the vital time needed to save your home from being sold.
Recovering Surplus Funds
If a sheriff sale has already happened, any remaining money after paying off the mortgage and other liens rightfully belongs to you. We manage the complex legal work necessary to retrieve this surplus money on your behalf.
Taking Action Against Servicer Violations
Large mortgage companies routinely break the rules when attempting to take properties. Lenders frequently commit offenses such as:
- Dual tracking by moving forward with a complaint, Final judgment or Sheriff Sale, while the first loan modification is still pending review.
- Ignoring modification applications completely or failing to provide a detailed reason for denial.
- Unfairly rejecting valid reinstatement funds, modification payments or regular mortgage payments
- Issuing aggressive foreclosure threats despite homeowner accounts being completely current and up to date
When lenders violate your rights, we fight to hold them accountable. We can work with you to discuss what your available legal options are and help you pursue justice.
Schedule Your Free Middlesex County Foreclosure Defense Consultation Today
Foreclosure deadlines approach rapidly. Do not wait until it is too late to explore your options. Whether you recently missed a single payment or face an impending auction next week, our dedicated team will help determine your exact next steps. Reach out to the law office of Ira J. Metrick today for a free and completely confidential evaluation to begin protecting your home.