A forbearance of payments on your mortgage may or may not be right for you. Here is a breakdown of the hidden pitfalls and opportunities built in that you need to understand before making this decision. FHA Back Mortgage Loans and Forbearance Postponing or reducing loan payments while interest continues to accrue is a forbearance. …
What is RESPA and how does it relate to your mortgage, your FHA Forbearance, and the CARES Act? The Real Estate Settlement Procedures Act (RESPA) is the federal statute that governs the mortgage servicing industry and protects your rights under the CARES Act. It is an extremely complex and nuanced statute such that few New…
Americans desperately need the CARES Act payments for food, rent, utilities & healthcare. Debt collectors could grab the money. Congress forgot to add an exemption to these funds the way they do for other public disbursements such as Medicare. Protect your money from the debt collection industry. Denbeaux & Denbeaux has teamed up teaming up…
It is best to hire an attorney to represent you in a foreclosure case, but if you want to handle this on your own, this is how you go about answering the Complaint. You MUST File an Answer to the Foreclosure Complaint. It is basic to New Jersey – and American – laws that a Plaintiff, even…
Bankruptcy, or not to bankruptcy, that is the question … Clients email me or come into my office and hand me stacks of letters from my so-called competitors, promising the sun, the moon and the stars. There are several attorneys out there who are sending letters encouraging you, New Jersey consumers fighting with creditors and…
You will be asked three questions: The first two are fact finding questions, so that I know the basic facts. The last question is empowering. That’s it. Think about it. When, in this whole process, was the last time someone asked you that question? When was the last time in this process someone said to…
What is New Jersey Foreclosure Mediation? I created the video here addressing that question. If you want to understand further, the following is a deeper dive into the topic. So what is it? The foreclosure mediation program is a mediation handled through the court system and set up by Chief Justice Stuart Rabner of the…
Answer the Complaint! You do not need to hire a lawyer to Answer a foreclosure complaint. You really don’t. You can … and the right attorney can add value because there are multiple additional actions that can be taken to take advantage of the foreclosure litigation system, but you do not need to pay a…
No. That said, in 2014, Pressler obtained over 50,000 judgments in New Jersey Courts. Please get us all communications you still have from Pressler and the docket number of the lawsuit that Pressler filed against you. How Do I Know if I Have a Claim Against Pressler? In order for us to review your case,…
If you were sued by Pressler & Pressler you may have the opportunity to sue them for up to $1,000, plus any actual damages you have suffered. Federal law penalizes debt collectors such as Pressler & Pressler for violations of the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits…