Fazzio Law Offices, LLC · Somerset County, NJ
Somerset County Foreclosure Defense Attorneys
A mortgage solution must fit the household’s finances and the stage of the foreclosure. We help Somerset County homeowners assess both and make informed decisions about their property.
Your home. Your options.
A strategy grounded in your situation.
We represent homeowners in Somerville, Bridgewater, Franklin Township, the Bernards communities, and across Somerset County. A single-family home, townhouse, or condominium requires a review of the loan, any related property obligations, and the court record.
Association charges, taxes, insurance, and other liens can affect a proposed modification or sale. We consider those obligations with the mortgage arrears and available income. If you have received conflicting information from a servicer, bring the correspondence and application records for review.
Meet Fazzio Law Offices →How we can help
Legal defense and practical mortgage solutions.
Foreclosure defense
Review the plaintiff’s claims, loan records, notices, and potential defenses. Address filings and court deadlines with a plan for the case.
Explore foreclosure litigation →Loan modification
Evaluate a mortgage workout and help prepare a documented request based on your income, hardship, and the servicer’s requirements.
Explore loan modification →Sheriff’s sale response
Review the judgment, sale status, and any available adjournment or court relief. Timing and eligibility depend on the facts of the case.
Explore sheriff’s sale options →Short sale and alternatives
If keeping the property is no longer workable, assess a sale, settlement, or another transition with attention to the debt and title issues.
Explore short sales →Where are you in the process?
The stage of the case shapes the next step.
Default notices or missed payments
Review the notices, reconcile the account, and consider loss mitigation before the situation progresses.
Served with a foreclosure complaint
New Jersey’s court instructions generally give a defendant 35 days after service to answer. Review the papers promptly. Eligible homeowners generally must request foreclosure mediation within 60 days after service; a later request requires a court order.
Judgment or a scheduled sale
Bring every notice and order. We assess the current case status, deadlines, and whether any relief remains available. A pending modification request should not be assumed to stop a sale.
Communities we serve
Representation throughout Somerset County.
We serve homeowners countywide, including the following communities. Consultations are arranged through our Hackensack office.
- Bedminster
- Bernards Township
- Bernardsville
- Bound Brook
- Branchburg
- Bridgewater
- Franklin Township
- Hillsborough
- Manville
- Montgomery
- North Plainfield
- Raritan
- Somerville
- Warren Township
- Watchung
Common questions
Somerset County foreclosure questions.
Can I seek a loan modification while a foreclosure case is pending?
A workout may be possible during a pending case, but the application requirements and available protections depend on the loan, timing, and case status. Continue to address court deadlines while any request is being reviewed.
Does a modification application automatically cancel a sheriff’s sale?
Do not assume that it does. Review the actual sale status and any applicable legal protections or court orders. If a sale is scheduled, contact counsel promptly with the sale notice and your application records.
What if I have already missed a court deadline?
Contact the office promptly. Any potential relief depends on the reason for the missed deadline, the procedural history, and the evidence. Bring the complaint, proof of service if available, and all subsequent orders.
Where is your office?
Our New Jersey office is at Court Plaza South, 21 Main Street, Ste. 255, Hackensack, NJ 07601. We represent homeowners throughout Somerset County and New Jersey. Call to arrange a consultation.
Take the next step
Let’s talk about your home.
Tell us what has happened and what you want to accomplish. We will start with your documents, the stage of the case, and the options worth evaluating.
This page provides general information, not legal advice. Available options and outcomes depend on your facts and applicable law. Contacting the firm does not itself create an attorney-client relationship.