Moratorium on Government Backed Mortgage Loans Extended!

FHFA Extends Foreclosure and Eviction Moratorium The Federal Housing Finance Agency announced an extension to the moratorium on filing foreclosure complaints. Originally set to end on June 30, 2020 – the moratorium has been pushed back to Aug 31, 2020. Two more months! This is the time to prepare, think strategize, and get ready. Pay…

How The Banks Think & How To Outthink The Banks

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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New Jersey Supreme Court Just Issued Its Second Omnibus Order

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, Today, Where the CARES Act and Governor Murphy has pretty much…

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CARES Act Protects Against FHA Forbearance Violations

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…

What Happens When You Talk With Attorney Denbeaux?

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…

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What is New Jersey Foreclosure Mediation?

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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Loan Modification

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…