Fighting For New Jersey Homeowners
We Help Homeowners Save Their Homes
Request a free consultation(201) 529-8024
Fazzio Law Offices
Let’s talk about your home.
Tell us where things stand. We’ll review your situation and discuss the next steps.
Meet your foreclosure defense team →From our practice & the courts
Live from the Field
Real-time Results
The work behind the result. Follow our case-report series for developments from the docket, inside the courtroom, and the resolutions that matter to homeowners.
Explore case updates & client stories →What happened. Why it matters.
Legal Breakdown
Court decisions, legislation, bank oversight, and mortgage and real-estate news. We look beyond the headline to explain the questions that matter to property owners.
Read Legal Breakdown →Practice Areas: Foreclosure Defense
Get back on track with your mortgage. We help homeowners navigate the modification process and push back against unnecessary servicer delays.
Loan modifications are a type of loss mitigation. The modification reduces your monthly payment to an amount you can afford. But, getting a modification on your own can be difficult because the Servicer and Bank often give homeowners the run around. As a result, having a guide can help in getting your modification approved.
A foreclosure complaint is not the end of the road. We examine your lender’s claims, identify defenses, and fight to protect your home.
Defending your foreclosure case starts with filing an Answer by the 35-day Deadline and then asserting all the defenses and counterclaims you have against the lender. Often, Banks and Servicers violate the law and deprive you of your rights. But, when you need to fight back to save your home, it helps to have an experienced attorney in your corner.
When keeping your home is no longer the best option, a short sale may help you resolve mortgage debt and regain control of your finances.
A short sale is a way to gain time and maintain control. When your loan is underwater or you have other debts, such as 2nd mortgages, tax liens, tax judgments, and/or business debts – a short sale can be the perfect solution. And with a short sale, it is possible to satisfy multiple debts and pay the bank less than you owe.
Facing an approaching sale date? Time matters. We evaluate available adjournments, court applications, and ways to protect your equity.
New Jersey law provides two debtor-requested adjournments of up to 30 calendar days each. They must be requested; they are not an automatic 60-day extension. Prior adjournments and the current sale status matter. Review our sheriff’s-sale options and bring every notice and order to your consultation.
New Jersey Foreclosure Defense and Loan Modification Attorneys
Foreclosure timing depends on the stage of the case, service, supported defenses, court orders, and any applicable loss-mitigation protections. Start with our New Jersey foreclosure process guide and current foreclosure timing update.
Our Hudson County and Bergen County pages explain local court resources, home-equity evidence, sheriff’s sales, and refinance considerations.
Mortgage Loan Modifications Can Be Difficult to Prosecute On Your Own
A loan modification may change the terms of an existing mortgage, subject to the loan program, eligibility, and the servicer’s review. A complete, documented application matters. Keep copies of the documents submitted, delivery confirmations, requests for additional information, and decisions.
Find your company in our mortgage-servicer directory and review our loan-modification services. Court and sale deadlines require separate attention while an application is pending. Federal loss-mitigation protections depend on timing, completeness, and applicable exceptions.
Your Foreclosure Defense Team
From our clients
Client perspectives
Let’s talk about your home.
Phone
+ (201) 529-8024
contactus@fazziolaw.com
Address
New Jersey Office
Court Plaza South
21 Main Street, Ste. 255
Hackensack, NJ 07601