Facing Foreclosure in New Jersey?

In many cases, filing for bankruptcy protection triggers an automatic stay — a federal court order that may temporarily halt:

• Foreclosure sales
• Collection lawsuits
• Wage garnishments
• Repossession efforts

Timing is critical. Early evaluation improves available options.

Chapter 13 bankruptcy allows individuals with regular income to:

• Pause foreclosure proceedings
• Repay mortgage arrears over time
• Maintain ongoing mortgage payments
• Preserve home equity where legally available

Court approval and plan feasibility determine long-term outcome.

Even if a foreclosure sale has been scheduled, options may still be available depending on timing and prior filings.

Immediate review of:

• Sale date
• Mortgage arrears
• Income stability
• Prior bankruptcy history

is necessary to determine next steps.

1. Review of foreclosure status and mortgage history
2. Income and arrears analysis
3. Strategic assessment of Chapter 13 eligibility
4. Petition preparation and filing
5. Court-supervised repayment plan development

Clients receive structured communication and defined expectations throughout the process.

Stopping a foreclosure temporarily does not resolve underlying financial pressure.

When appropriate, structured repayment planning under federal court supervision may provide a path toward long-term housing stability.

In some situations, loan modification, foreclosure mediation, or negotiated resolution may be appropriate.

Each option requires case-specific evaluation of mortgage terms, arrears, and financial capacity.

Our role is to provide a structured legal assessment — not promises — so you can make informed decisions.