If you are facing a problem with Foreclosure then we will help you regarding for the same for more datils click on the following link.

2. Judicial
Non-
Judicial

3.  As it is difficult to face foreclosure,
it is essential to hire an attorney to
take care of the legal process to
stop foreclosure in New Jersey. As
most people are unaware of the
court proceedings, it is good for
them to connect with an attorney. A
lawyer can help the homeowner in
several proceedings, of which the
homeowners do not have any
knowledge.

4.  Even if a homeowner is a defaulter for non-
payment of the dues, they still have the right
to stop foreclosure in New Jersey by either
negotiating with the bank or filing Chapter 13
bankruptcy. It is a wise decision to file for
Chapter 13 bankruptcy in the foreclosure
process as it can save them a lot of time and
money in the long run. It is beneficial to file for
bankruptcy than to defend when it comes to
the foreclosure action. It is because when one
files for Chapter 13 bankruptcy, it leads to the
automatic stay which legally stops all debt
collection from the homeowner.

5. Contact Your
Lender
Apply for
Refinancing
or
Modification
Contact
State
Departments

6.  Contact Your Lender:
 After familiarizing yourself
with Massachusetts
foreclosure law, you should
give your lender a call to see
if you are eligible for
modification or refinancing.
 Typically, your lender will
offer refinancing if your
mortgage is current and you
have exhibited a stellar
history of on-time
payments.

7.  Apply for Refinancing or Modification:
 When corresponding with your lender,
it is essential to know about
modification or refinancing. Both of
these maneuvers will effectively lower
your monthly payment amount to
better fit your financial situation.
 In addition to refinancing, you can
apply for forbearance, which is a
temporary suspension of your
mortgage obligation. This maneuver
is typically only achieved if you can
definitely prove that you suffered a
hardship that resulted in loss of
income.

8.  Contact State
Departments:
 If your homeowner is not
willing to negotiate, you
should call the state
department to help you
out.
 Also you must not be
delayed by more than one
month when contacting
the state department.

9.  Engage in short sale
 File for bankruptcy
 For more info, visit us at:
consumerproponents.org