Essex County Foreclosure attorney

1. I defend the rights of homeowners and may be able to help you with one or more of several options, including: 1. Loan Modification 2. Refinance 3. Short Sale 4. Deed In Lieu 5. Chapter 13 Repayment Plan In a foreclosure, you may find yourself potentially losing the house that you and your family call home and that you worked so hard to get. Worse, if you lose your home in a foreclosure, New Jersey law allows a lender to obtain a "deficiency judgment" for the balance of what you owe after selling your house at the foreclosure sale. This is often an important factor to consider when considering your course of action to take. After reviewing your case with you, I will determine the ways to successfully achieve your goals. I proudly use my many years of experience to protect and empower the rights of homeowners and real estate investors. I constantly develop legal strategies to provide insight and information for the client to make the best strategic decisions possible. Just because you are behind in your loan payments does not necessarily mean you will lose your home. In fact, there are a variety of methods to avoid foreclosure depending on your circumstances. If you are trying to save your home from foreclosure and wish to remain in it, a loan modification may be a good option. If you don't qualify for a loan modification, then we can consider a refinance or Chapter 13 bankruptcy filing. If you wish to give up your home but do not want the foreclosure to affect your credit history, you can consider a short sale or even a deed in lieu of foreclosure. In many cases, a foreclosure combined with a Chapter 7 bankruptcy is the best choice. I will be happy to listen carefully to your situation and to recommend the appropriate action to achieve your goals. To Know More: http://www.jerseylaws.com/pages/foreclosures