Foreclosure Lawyer Trenton
If you are looking for a Foreclosure Lawyer in Trenton, you could be staring at a notice of intention to foreclose, a notice to appear in court, or a notice of Sheriff’s sale. These sobering documents all mean one thing: you are in danger of losing your home. You and your family are facing a highly-motivated bank employing experienced foreclosure lawyers funded by significant financial resources. If keeping your house is important to you, you need a good attorney on your side. Our foreclosure attorneys are ready to help with your legal needs.
New Jersey foreclosure law is friendly to homeowners who find themselves in trouble. This is in part due to the historically unscrupulous lending practices that banks followed during lead-up the great recession. These lending practices led to a devaluation of homes in and around Trenton and the rest of New Jersey. Therefore, a lender who wishes to foreclose on a property in New Jersey must take several steps.
From the filing of the notices, to the filing of the complaint, final judgment papers, the entry of default, the writ of possession, and the scheduling of the Sheriff’s sale, each step takes time. With the help of our experienced attorneys, you can make the most of that time. For example, lenders must comply with New Jersey’s Fair Foreclosure Act. Pursuant to that act, a lender must send you, the homeowner, notice of the foreclosure by certified mail, return receipt. Additionally, New Jersey law requires the mailing of a Notice to Cure. If you have not signed for these notices, you may have a defense to foreclosure.
Our office also specializes in more complex Foreclosure defenses. You may have heard of the phenomenon called “robo-signing.” Prior to the great recession, banks engaged in improper execution of mortgage documents, including the automatic reproduction of signatures. By conducting a title search and forensic review of your mortgage documents, we will be able to determine whether your bank improperly used duplicate or incorrect signatures on your loan documents, and force the bank to the negotiation table. This defense is more common than you might think, especially for certain mortgages that originated in the early 2000s.
We have attorneys with extensive bankruptcy experience. Hopefully, you will not need this experience. But if you do, we are here for you. Bankruptcy is especially useful if you find yourself very late in the foreclosure process. If your house is up for Sheriff’s sale in short order, the only guaranteed method of stopping a Sheriff’s sale is the filing of bankruptcy. Federal bankruptcy law imposes an “automatic stay,” the second that bankruptcy is filed, meaning that if bankruptcy is filed any time before your house comes up for Sheriff’s sale, that sale is stopped. We hope that our clients do not wait this long to seek legal help, but if you do, we are able to help you at any stage in the process.
Do not spend any more time alone with these documents. Call our office to schedule a free consultation with one of our Foreclosure Defense Lawyers. Let’s work on this together.
This content was written on behalf of Greg Prosmushkin.