As a New Jersey Real Estate Lawyer I have helped my clients sell and purchase their homes. Sometimes a short-sale is necessary when you owe more on mortgage than the property is worth. I obtain the approvals from the mortgage company to reduce the mortgage pay off and get the property sold. As a New Jersey Foreclosure Lawyer I have filed answers to complaints and motions to dismiss that have stopped the foreclosure process for my clients.
As a New Jersey Mortgage Lawyer I have helped several hundred clients obtain affordable mortgage payments. Reduced interest rates, principal reduction, extended term and elimination of late fees are some of the ways to modify a mortgage loan. To learn more go to my web page Mortgage Modification. I have filed thousands of petitions for clients in Chapter 7 bankruptcy and Chapter 13 bankruptcy.
Bankruptcy provides a fresh new financial start. In almost all cases my clients can keep their home, cars and personal property because their property is exempt from the bankruptcy.
As a New Jersey Mortgage Lawyer I have helped several hundred clients obtain affordable mortgage payments. Reduced interest rates, principal reduction, extended term and elimination of late fees are some of the ways to modify a mortgage loan. To learn more go to my web page Mortgage Modification. I have filed thousands of petitions for clients in Chapter 7 bankruptcy and Chapter 13 bankruptcy.
Bankruptcy provides a fresh new financial start. In almost all cases my clients can keep their home, cars and personal property because their property is exempt from the bankruptcy.
Services
Chapter 7, otherwise known as liquidation, is probably the simplest and quickest bankruptcy option.
Although referred to as liquidation, a Chapter 7 bankruptcy rarely results in the liquidation of any property for consumer bankruptcies in New Jersey.
Most Chapter 7 cases are "no-asset", which simply means that you do not have any non-exempt property for the trustee to sell and most people that file for a Chapter 7 bankruptcy keep everything they own.
If you have property that might be at risk, we can make a determination of the right course of action to protect all your assets.
Although referred to as liquidation, a Chapter 7 bankruptcy rarely results in the liquidation of any property for consumer bankruptcies in New Jersey.
Most Chapter 7 cases are "no-asset", which simply means that you do not have any non-exempt property for the trustee to sell and most people that file for a Chapter 7 bankruptcy keep everything they own.
If you have property that might be at risk, we can make a determination of the right course of action to protect all your assets.
Lenders are required to follow both Federal and State laws and rules.
The New Jersey Foreclosure Act requires certain steps to be taken before a residence can be sold at sheriff sale.
The process begins with a Notice of Intention to Foreclose which will state that the mortgage is in default and explain the rights of the owner to cure the default.
It will list the amounts due on or before a certain day.
This notice is usually received after you become 90 days delinquent on your payments.
If you have received such a notice, please call for a free consultation immediately.
The New Jersey Foreclosure Act requires certain steps to be taken before a residence can be sold at sheriff sale.
The process begins with a Notice of Intention to Foreclose which will state that the mortgage is in default and explain the rights of the owner to cure the default.
It will list the amounts due on or before a certain day.
This notice is usually received after you become 90 days delinquent on your payments.
If you have received such a notice, please call for a free consultation immediately.
Non-payment of certain debts have sudden and dire consequences for your family.
Deal with these debts immediately-either pay these debts first or otherwise follow this advice on how to manage these debts.
Never pay smaller, low priority debts just because.
Most will say yes.
If they say no - tell them you can't afford to pay them and your workers and their benefits.
Deal with these debts immediately-either pay these debts first or otherwise follow this advice on how to manage these debts.
Never pay smaller, low priority debts just because.
Most will say yes.
If they say no - tell them you can't afford to pay them and your workers and their benefits.
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