Phone (609) 677-9454
Fax (609) 677-9455
The Law Offices of Joel Schwartz
You may have significant defenses, that you are not even aware of, that may stop or prevent the foreclosure of your home. Why do nothing and let your home be foreclosed?
How will using your rights help you?
There are law firms across the United States that only handle mortgage foreclosure cases. Because of the way these law firms handle cases, they are commonly referred to as “foreclosure mills”.
Did you know these foreclosure mills are graded? Yes! Just like school, large mortgage bankers assign grades to foreclosure mills based on how fast they can foreclose mortgages. An “A” is fast and an “E” is slow. The higher the grade the foreclosure mill gets, the more cases it will receive from the mortgage bankers. Because of this grading system, these foreclosure mills push foreclosures cases through the legal system as fast as possible, often times violating New Jersey law and the New Jersey Rules of Civil Procedure.
It is now common to hear about these foreclosure mills being investigated for violations of the law. On some occasions mortgage bankers have to suspend all foreclosure cases because of these violations.
What makes matters worse is that the majority of all mortgage foreclosure cases go uncontested. Because of this, the cases usually go through the legal system very fast and the Courts do not have the resources to ensure all laws were followed.
With The LAW OFFICES OF JOEL SCHWARTZ, appearing in the case to protect your rights, the case may slow down and put the mortgage banker and foreclosure mill in a position where it will need to comply with all legal procedures, and show the Court it complied with the law. Also, this may give us the opportunity to force the lender to produce all documents in its possession that may assist in your defense. If a discrepancy is found, we may be in a much better position to negotiate a FAIR settlement with your lender.
The LAW OFFICES OF JOEL SCHWARTZ's goal is to save your home, whether by defending your case to trial, obtaining a fair loan modification, or assisting you with bankruptcy.
YOUR LENDER HAS AN ATTORNEY. YOU SHOULD HAVE AN ATTORNEY.
OUR GOAL IS TO SAVE YOUR HOME BY:
THE LAST THING YOUR LENDER MAY WANT IS FOR YOU TO CALL THE LAW OFFICES OF JOEL SCHWARTZ
FAILURE TO ACT MAY RESULT IN THE LOSS OF YOUR HOME IN AS LITTLE AS 60 DAYS. CONTACT US NOW.