Category

Foreclosure
How Banks Think: Banks know how the system works, how long it takes to ‘win’ a foreclosure case … how expensive it is to litigate a defended foreclosure case.  You should know this, too, which is why I created the Foreclosure Infographic. I’ve talked about this in my earlier newsletters and in several blog posts,...
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The New Jersey Supreme Court just issued its second Omnibus Order … here‘s what you need to know! The New Jersey Supreme Court has issued two emergent ‘Omnibus’ Orders related to Covid 19. The second, issued today, addresses foreclosure for the first time. Previously, The Governor has already issued Executive Order 106 which prevents anyone...
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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...
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You will be asked three questions: How much is your home worth?How much do you owe on the mortgage?           And …What do you want? The first two are fact finding questions, so that I know the basic facts. The last question is empowering. It is not what the bankIt is not...
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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...
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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...
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Loan Modification Representation We can reveal your eligibility for a loan modification with a specific lender along with the terms and payment amounts to provide more successful outcomes. Clients have found this helpful in order to make short term and long term financial decisions related to servicing their mortgage debt. We have the resources to...
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Woman Says Bank Foreclosed On Her Home Despite Making Mortgage Payments CBS New York / Pittsburgh November 17, 2017  (Running time 2 min 31 seconds) “I purchased my home Feb. 20, 2004. In 2010 I received through the mail an offer from Bank of America (my mortgage bank), soliciting me for the Making Homes Affordable...
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Coalition of NJ Homeowners will be meeting tomorrow, Thursday, September 28th, 2017 at the East Orange New Jersey Council Chambers, located at 44 City Hall Plaza, ( at Main Street and No. Arlington) East Orange, N.J. Coalition of NJ Homeowners will be meeting tomorrow, Thursday, September 28th, 2017 at the East Orange New Jersey Council Chambers, located at 44...
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Homeowners with Loan Modifications No Longer at the Mercy of Banks NJ Supreme Court unanimously rules a loan modification agreement is a permanent agreement and cannot be unilaterally altered by mortgage lenders WESTWOOD, NJ (August 15, 2017) – In a major victory for distressed NJ homeowners, the NJ Supreme Court reversed two lower court decisions and ruled...
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