About Foreclosure Defense
The main thing that people are looking for when they come to us involving a mortgage default or foreclosure is knowledge to be able to make an informed and intelligent decision.
When you meet with me, or any of our associates, we will explain how the system works and how the game is played and what the possible outcomes are.
For example, you don’t need a lawyer for a loan modification. If you are entitled to a modification it doesn’t matter if you work with your loan servicer or not. Nine times out of 10 getting a lawyer involved to get a loan modification will not help you.
People seem to want to deal with what the bank tells them. Should you believe your bank? No, not necessarily. You need to be proactive to work out a settlement that meets your needs and get your servicer to work with you.
When you sit down with us you are going to get knowledge that will help you make an informed and intelligent decision. You will leave knowing what your rights are, whether they have been violated, and how we can enforce your rights so that you get the settlement for the outcome you need. You leave armed with the best strategy based on you rights, and the liability and costs to enforce them. The consultation is free. We don’t take every case, but we are willing to meet with you at no charge to explain how the system works and how the game is played.
About the Foreclosure Process in NJ
The NJ foreclosure process is guided by the fact that New Jersey is a “judicial foreclosure” state.
This means that all foreclosure actions must be prosecuted by attorneys before judges in the court system.
This structure is intended to impose a level of due diligence on lenders and assure an accurate disposition on the merits of a lender’s claim. The result however, is a bloated legal field that incentivizes cutting corners and rushed, even if not prompt, resolutions.
This is why a proper foreclosure defense is so important. The homeowner is the only person who understands their situation and truly cares about their home. Therefore they must be the one to stand up for their rights.
The problem for many individuals is that the system is confusing, complicated, and overwhelming. The average homeowner is not a legal expert, nor do they truly have the resources to understand a growing and nuanced area of the law. The internet is rife with foreclosure defense theories – some of which worked in 2007, some of which work now, some that work in other states, and some that never had a shot. The key to asserting a proper defense is understanding your rights, your lender’s obligations, how the court system works, and the rules, statutes, and case law that control everything.
The following pamphlet attempts to summarize that information based on our representation of hundreds of foreclosure clients in New Jersey over the course of the last eight years. The pamphlet outlines the anticipated foreclosure process when you retain the attorneys at Denbeaux & Denbeaux for your foreclosure defense. This outline does not hold true in every case, nor are the timelines suggested guaranteed. Rather, we offer this information to hopefully provide some clarity as your case progresses.
1.) What are Your goals?
2.) Why get a foreclosure lawyer?
3.) How to pick the best one?
How We Can Help You With Your Family
Denbeaux & Denbeaux announces the expansion of their Family Law Practice. The group is led by Partner Marcia Denbeaux, a family law practitioner with more than 25 years’ experience.
Joining her are attorneys Abigail Kahl, a 2012 New Jersey Super Lawyer “Rising Star”, and the firm’s managing associate, Nicholas Stratton.
Mrs. Kahl previously clerked for Chief Judge John W. Bissell in New Jersey Federal District Court in Newark and practiced criminal defense law and employment litigation before coming to Denbeaux & Denbeaux’s litigation department in 2011.
Mr. Stratton is a graduate of Seton Hall Law, and has quickly risen through the ranks at Denbeaux & Denbeaux. Since 2013, Mr. Stratton has been the managing associate at the firm and led the firm’s foreclosure defense team before transitioning his practice to family law.
The Denbeaux team handles an array of family related cases including divorce, estate planning, custody disputes, domestic violence actions and real estate matters. “Our firm prides itself on zealous, goal-centric, advocacy in all areas of the law, including our family practice. Our hope, win or lose, is that a client leaves us in a better place than when they met us” says Mrs. Denbeaux.
“Our clients come to us in some of the most exciting times of their lives, like when they buy or sell a home, and some of the absolute worst times, like when they are confronted with divorce and other intra-family disputes” reflects Mr. Stratton. “No matter the situation, good or bad, we tackle the case with the same passionate and creative problem solving approach that Denbeaux & Denbeaux has come to be known for” adds Mrs. Kahl.
Mrs. Denbeaux has been a respected member of the legal community but time constraints have limited her practice to a select few clients each year. With the addition of the dedicated advocacy of Mrs. Kahl and Mr. Stratton, Denbeaux & Denbeaux aims to bring their brand of personalized, high level legal representation to the masses in 2016.
Denbeaux and Denbeaux, located at 366 Kinderkamack Road in Westwood, is a family operated law firm rooted in New Jersey. Since 1989 they have provided zealous advocacy for individuals, families and small to mid-sized New Jersey businesses. Areas of expertise for the firm's attorneys include financial consumer rights law, foreclosure defense, real estate closings, estate planning, family disputes, and business planning. Denbeaux & Denbeaux, aims to provide its clients with individualized representation tailored to the specific objectives of each client. To accomplish this goal the firm works with its clients to assess needs, goals and concerns, to aggressively pursue a plan of action resulting in meaningful resolution. To speak with Denbeaux & Denbeaux, call 201-664-8855 and set up a free initial consultation to see if we are the right legal team to advance your goals.
Address Denbeaux and Denbeaux
366 Kinderkamack Road
Westwood, N.J., 07675.
Phone (201) 664-8855