We are Your NJ Foreclosure Defense

5857938426_6d62d99022_zPhoto Credit: Images of Money

If you are in danger of losing your home to a foreclosure, Veitengruber Law is here to be your New Jersey foreclosure defense. In order to make sure homeowners are aware of the foreclosure process, today we’ll do a rundown of what a potential foreclosure entails.

Firstly, a New Jersey foreclosure is a legal process wherein the court system orders that your home be sold because you haven’t been paying the mortgage. Homeowners will be considered in default if they have missed one mortgage payment. If you feel that your lender has filed for foreclosure in error, foreclosure can be prevented.

What is a mortgage?

Your mortgage is the agreement that you and your bank or lender have signed regarding the purchase of your home. It includes things like the interest-rate, the principal amount left on your loan, and a document called a Note. A Note is simply a fancy way of writing an IOU. It lists the exact amount of money you owe your lender and all of the terms regarding repayment of that money. As soon as you miss a payment on your mortgage, you will have violated the terms of the Note, and your bank may file a foreclosure case with the courts.

If the bank is successful at winning the foreclosure case in court, your home will eventually be sold at a public sale, also referred to as a “Sheriff’s Sale.” During a foreclosure case, you will not be able to attempt to sell your home in order to escape the foreclosure judgment. A ‘lis pendens’ will be published and available to the public noting that your property is in the process of being foreclosed upon.

Typically a foreclosure in New Jersey takes around one year to be completed, if it is not contested. If you want to contest the foreclosure, that is where Veitengruber Law comes in. Regardless of what stage of foreclosure your home is in, Veitengruber Law can help. We have helped many clients in various stages of foreclosure. We can allow for you to stay in your home while we defend your case.

The threat of losing your home to a foreclosure case is a stressful and completely overwhelming time. You will need help from an experienced attorney who knows how to defend you regarding foreclosures.

As soon as you contact our office, you will be set up with a  consultation appointment as soon as possible. Want to make this consultation free? Like our Facebook page. During our consultation regarding your foreclosure, we will take our time to get to know you and your specific situation. We respect that every client is an individual and every case is unique.

All options will be discussed with you, including: your desire to stay in your home, modifying your loan, selling your home as a short sale and more. From there, we will work closely with you to formulate a plan that is aggressive and smart.

We know what we’re doing, we have the experience you need, and we want to get you the results you’re looking for. The next step for you is clicking on this form so that we can call you today and start working on your foreclosure defense as soon as possible.

13 Responses to We are Your NJ Foreclosure Defense

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