New Jersey Foreclosure Defense Blog

  https://njforeclosuredefenseattorneys.com/

You have 35 days to file an Answer once you are served with a Foreclosure Complaint.    New Jersey Court Rule 4:6 – Defenses and Objections .  Those facing foreclosure frequently ask if they can get additional time to Answer, and while this is possible in some situations – the Court strictly enforces the Answer deadline and you do not want to risk being declared in default and losing your right to defend the case over a few additional days. What Form Should the Answer to the Foreclosure Complaint Take? Answer Many homeowners wrongly assume that they can write a letter to the Court or explain their situation informally to the Judge.  This is not the case.  The New Jersey Court Rules have specific and formal requirements for the form and content of your Answer.  New Jersey Court Rule 4:5-3. Answer; Defenses; Form of Denials . The Answer must address the numbered paragraphs of the Foreclosure Complaint and “admit” or “deny” each allegation in the same order th...

1) You Have to Apply to Be Considered – Sisyphus Never Got to Underwriting. The most important thing you need to know is that you cannot get a loan modification unless you get a complete loan modification application “under review.”  This is no easy task as the call center operators you deal with are expert at shuffling papers, asking for missing documents, claiming signatures are illegible, and changing “Point[s] of Contact”—(“POC”) just when things are coming together, without accomplishing anything. As attorneys, we know the rules that govern servicers like Wells Fargo, JP Morgan Chase, Bank of America, CitiMortgage, Mr. Cooper (formerly Nationstar), Ocwen Loan Servicing, Caliber Home Loans, Carrington Mortgage, M&T Mortgage, Ditech Financial, PHH Mortgage, and Specialized Loan Servicing.  We can hold their feet to the fire, where you have failed. While you may be doing everything you are asked by your POC, you still may be stuck at the “document gathering” stage. ...