These are five areas that you should focus on for best outcomes if in foreclosure: communication, document management, records, time and finance management. Communication – It is imperative that you communicate with your lawyer. Often times nothing will happen with your case for weeks on end.  However, if you ever want an update on where...Read More

The best time to get a consultation for foreclosure prevention is before you miss a mortgage payment. Many homeowners have told us that it is matter of pride that they maintain control of the situation. However, while they think that they have the situation under control, the loan servicer can be moving them closer and closer to...Read More

This pamphlet is for informational purposes only, not for the purpose of providing legal advice. It is not a guarantee of a particular result.  This pamphlet should not be construed as an offer to provide legal services and your receipt and or review of this document does not create an attorney client relationship.  You should...Read More

Click to view guide As many of 94% do not answer a lawsuit related to foreclosure. The problem is people are scared and freeze up hoping the problem will go away. These people will lose their homes eventually because they didn’t even try, and they gave up. Fear can do that to people…but it doesn’t...Read More

According to CoreLogic’s National Foreclosure Report New Jersey has a serious mortgage delinquency rate of 7.0% which is more than double the national average of 3.2% State Foreclosure Data New Jersey leads the nation with the highest foreclosure inventory as a percentage of mortgaged homes, as well as the highest rate of serious delinquency, according to the CoreLogic National Foreclosure report...Read More

Why is this important? It is the idea that the best defense is to be able to be in control and have an aggressive offensive strategy. This applies to whether you are trying to stop a foreclosure, get a loan modification, or believe that you were subject to fraud. This is why this ruling is...Read More

First Every foreclosure situation is as unique as every person who confronts foreclosure. Second Whatever your desired outcome is when facing foreclosure you’ll need to have a plan. Many homeowners delay in creating an effective strategic plan for their situation, and federal consumer protection laws can impact a desired outcome. Click here to read more on how we fight foreclosure...Read More

What is the NJ foreclosure process? The NJ foreclosure process is guided by the fact that New Jersey is a “judicial foreclosure” state. Click the button below to download the guide and learn more: Foreclosure Guide Download This means that all foreclosure actions must be prosecuted by attorneys before judges in the court system. This structure...Read More

In New Jersey, the trend in foreclosure litigation has been to narrow the defenses available to homeowners almost to the point of non-existence. In light of CFPB Director Richard Cordray’s recent remarks regarding “mandatory pre-dispute arbitration clauses”, Joshua Denbeaux explains how his firm combats this growing problem, by using federal laws enforced by the CFPB...Read More

NJ law firm Denbeaux & Denbeaux says continued mortgage-servicing problems, such as breached loan modification agreements, play a major role in why the state leads the nation in foreclosures, and is the cause for the recent RealtyTrac report which revealed that NJ has highest foreclosure rate in the U.S. New Jersey consumer rights and foreclosure defense...Read More