Bankruptcy in your Foreclosure Action

 First and foremost, we will employ all available resources to stop the foreclosure process in the New Jersey Court system and work through the hardship package and subsequent modification process with you.  However, in some instances, albeit a smaller percentage of our cases, your lender may refuse to give you a modification on your loan.   Although we would have delayed the foreclosure for a significant period of time, year(s) in most cases, and kept you in your home (while not having to make a mortgage payment), the sheriff's sale could be scheduled.  When this happens, bankruptcy becomes a viable alternative to obtain a modification on your loan and, most importantly, save your home.  When we file your bankruptcy, one of the petitions we file is to submit your file into the bankruptcy portal where we can work out your modification with your lender while maintaining the protections in bankruptcy.