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Foreclosures

New Jersey Mortgage Foreclosure Law

Failure to make timely mortgage payments can result in the loss of your home. Under New Jersey state law, a mortgage lender has the right to begin the mortgage foreclosure process as soon as you enter into default.

New Jersey Foreclosure Attorney Explains The Foreclosure Process

Before you panic, contact an experienced foreclosure attorney at Garces, Grabler & LeBrocq. A lawyer for foreclosure will review your case, walk you through the process, and explain your foreclosure options. As a judicial foreclosure state, New Jersey gives lenders the right to foreclose on your property after a single missed payment — so long as they adhere to the process outlined in the New Jersey Fair Foreclosure Act. Read on for a brief overview of the mortgage foreclosure process.

State law requires lenders to complete the following acts before the foreclosure process:

  1. Send a Notice of Intent To Foreclose.
  2. File a Foreclosure Complaint with the Office of Foreclosure. The foreclosure will be handled through the Office of Foreclosure unless you speak with a lawyer for foreclosure and file an answer to the complaint.
  3. Serve a Complaint.
  4. Send Entry of Default and Entry of Final Notice if no answer is filed. If you receive either notice and are unable to pay the defaulted amount, an experienced lawyer for foreclosure will explain your foreclosure options, based on your circumstances.

Sheriff’s Sale and Your Right to Redeem Your Property

If no response to a complaint is filed, a sale date will be announced. Defaulted homeowners are permitted to delay the sale for up to two weeks. For delays longer than 14 days, a foreclosure attorney must file a request with the court. If your home is sold, you have 10 days to legally redeem your property by curing the defaulted balance on your mortgage. If you take no action, your home will be sold, and the title will be transferred.

Trusted New Jersey Mortgage Foreclosure Attorneys Help You Exercise Your Rights To Foreclosure Options

If your home has been foreclosed on, and you are in danger of losing everything you’ve worked for, contact the experienced Foreclosure Attorneys at Garces, Grabler & LeBrocq at 1-800-923-3456 to learn your rights. Our team will work tirelessly to ensure that your family’s home remains in your possession.

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Thank you very much for all your help and great service!
, Mar 22, 2017
Great Experience. Wouldn't hesitate to give you a call back when i mess up again. Great Service, Great Lawyer. Couldnt ask for more. Thank You Guys Once Again.
, Jul 23, 2016
The BEST I WILL RECOMMEND
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, May 16, 2016
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, Jun 14, 2016
Staff was very helpful and explained the case as it went along.
, Jul 21, 2016
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, Oct 17, 2017
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, May 25, 2016
Thanks for everything my life change Good bless thanks
, Jul 21, 2016
U guy's r amazing LAWYER'S! I will always recommend u to all my friends and family members. Thank u for going above and beyond with my case. Awesomeness!!!!!!
, Oct 6, 2016
Great representation.
, Nov 3, 2017
Very satisfied withow my case was handled
, Oct 17, 2016
Arlindo and Gisela were extremely helpful. They told us exactly what to do, what we could expect and gave us options for working with our situation. Thank you!
, Oct 26, 2017
Jonathan A Kessous did an outstanding job in handling my case. He was able to get the most serious charge and several other charges against me dropped and my fine greatly reduced. I was most impressed with his professionalism.competence and the timely manner in which he responded to all my questions and concerns. This demonstrated to me that I was a priority and not just a client!
, Jun 13, 2016
Good job
, Jun 15, 2016
Hi, it was a very good experience !! I appreciate all the things the Lawyer did for me, he won the case, thank you so much again, I am 100% satisfied!
, Mar 29, 2017
My uncle had some problems with meals at a Monmouth Count assisted living home. The home charged over $5,000 per month and he was not being offered food that he liked on many occasions and his complaints did not resolve the issue. I called Garces & Grabler on his behalf and they sent an attorney to the home to first speak with my uncle, then speak with the director. Within a few day, his dietary needs were met. Everything was resolved amicably and the law firm charged, in my opinion, a very reasonable fee for their services.
, Jul 12, 2016
Google
I was represented by Mr.Araujo from this firm in a disciplinary job hearing. Mr. Araujo was very professional and prepare my case very well and I was able to return to my job a few days after the hearing.
, Oct 5, 2017
They have done great work for me and my family.
, Oct 9, 2016
Google
I would love to sincerely thank you for your patience and assurance during the whole period. It was very easy to get hold of you even on the phone and you always explained things to the best of your ability to me. I would quickly and highly recommend you to anyone who may have a case like the one i had. Thank you.
, Jul 7, 2017
It was a slow process..but MR.Kotchta and Evelyn were freaking great..i cant say any more about them to..they always answered my questions in a professional manner while i was being an pain in the butt with them..👍👍👍👍
, Sep 7, 2016
Google
Very happy with the services provided - was dealing with Arlindo and his assistant Gisela. My case was dealt with in a timely manner, with no errors, and all advice was spot on. Will definitely use them again in the future.
, Apr 3, 2017
Google
The best In Plainfield, Thanks Garces+Grabler+Lebrocq for your help! Beating my case and my wife case.
, Jun 15, 2016
Best of the best. Thanks you
, Aug 7, 2017
El mejor abogado muy eficaz
, Jan 26, 2017
Excellent service would recommend to others
, Feb 7, 2017
Gracias x hacer todo lo posible dios los bendiga
, Aug 3, 2016
I had the good fortune of Mr. Pasquale Vella representing in a matter that I had deemed a bleak one, with no positive outcome in sight. Vella assured me that he would work hard to get me the best results possible, and that is exactly what he did. He worked tirelessly making sure he covered all possible angles, and in the end I was extremely pleased with his services. Vella proved to be diligent, aggressive in yielding results, and very professional, all while maintaining a communicative yet good natured rapport with me as his client. I would most certainly use his services again in the future as well as highly recommend him to anyone in need of a great criminal defense attorney.
, Nov 9, 2016
My lawyer was great Mr White and Anita was very helpful returned calls and let me know every step of the way
, Nov 7, 2017
Very satisfied
, Aug 3, 2016
Far exceeded my expectations. Mr. Vella was confident and professional. Should I require legal assistance in the future I won't hesitate to call them.
, Oct 21, 2016
Thank you Mr. Lawrence LeBrocq, I have no words for the amount of appreciation I have for what you've just done.
, May 9, 2017
I love when a team gets together and get the job done with out me calling to see how everything moving along. I will always recommend this firm to anyone . Go team
, Oct 20, 2017
La atención muy eficaz son muy profesional me sentí muy sastifecho gracias
, Jul 5, 2017
Todo muy bien
, Jul 21, 2016
My case is still a work in progress. I will say that my Lawyer here has done more for me pre court than I had expected. If you need a lawyer for anything you can find someone here to help you.
, Oct 26, 2017
Google
Less then a year the lawyer from GGL resolved my case ,,, it is the second time they help me !!!
, Sep 28, 2017
Great people they do help thank you for everything you've done
, Jul 18, 2017
Great practice they always get the job done for a reasonable price.
, Feb 3, 2017
The best lawyers and Their excellent assistants
, Jun 14, 2016
Very please with law firm
, Apr 2, 2017
Los mejores
, Jul 7, 2017
Son muy buenos abogados,llevan los casos con mucha responsabilidad y empeño.
, Nov 28, 2017
Increíbly Professional and dedicated peple to the service of the Law. William Garces has to be One of the Nicest most professional lawyers I ever come across...I know not a lot of people trust lawyers but This firm will treat you with such consideration and dedication that You forget you are a Client. I would recommend this Firm to every Person I know .
, Mar 1, 2017
Son buenos los mejores abogados buen equipo en general
, Jul 7, 2017
Thanks for helping and you have the best service
, Jul 26, 2016
Estoy feliz por el trabajo que hisieron, gracias por todo.
, Oct 5, 2017
The representation this firm did to me was above and beyond what I expected to receive. Especially Mr. Grabler who was extremely professionals. I was very proud to have him as my lawyer. For this reason I recommend this firm to everybody.
, Jul 19, 2016
Excellent Lawyers and paralegals. They kept me informed and updated on the progression of my case. I was pleased and will be referring others to them. Outstanding customer service.
, Jul 22, 2016
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, Jul 15, 2017
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Los mejores abogados gran equipo
, Jul 7, 2017
Google
I was very impressed with the professionalism and quick turn-around time from all the participants from GGL that assisted me. I would like to especially thank my attorney Jonathan Kessous. His credentials are very notable he is one of four attorneys throughout the entire state of NJ certified by the NJ Supreme Court as a Trial Specialist in both Criminal and Municipal Court Law matters. My case was very serious and could have resulted in jail time or suspension of my license. Jonathan was able to resolve my case very favorably. I am extremely thankful for his assistance. I would also like to recognize and thank his Paralegal Jasmin Caba and his Personal Assistant Marianne Crisitello for their assistance in communicating and preparing me for my trial. They are a great team and I would highly recommend them.
, Feb 27, 2017
Garces Grabler LeBrocq is the BEST!
, Oct 13, 2017
Muchas gracias. Exelente abogado yo se lo recomiendo alas personas por ser muy buen abogado
, Jul 8, 2017
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, Jun 16, 2016
Felt very well taken care of. Excellent!!!!!
, Jul 19, 2016
I found my attorney, Mr. Kessous, to be highly professional, knowledgeable, friendly and effective. He was highly responsive to my questions and concerns and easy to work with, and achieved the desired settlement for me in regard to my traffic ticket. If I were in the same situation all over again, I would choose to work with him without hesitation, and expect that if I were to face a similar situation in the foreseeable future, I would contact him. I would also provide his name with the highest recommendation to others in the area for such problems. (I also found his assistant, Gabriela Vargas, to be quite responsive and helpful as well.) Thanks again for all of your help!
, Jan 25, 2017
Very professional and know what they're doing which is hard to find nowadays. Arlindo Araujo was very clear, precise, and on point!!!
, Jul 20, 2016
EL ABOGADO GARCES Y SU EQUIPO SIEMPRE ESTÁN LISTOS PARA DEFENDER LOS CASOS DE LA COMUNIDAD LATNA CON HONESTIDAD Y GRAN PROFESIONALISMO.
, Jan 5, 2017
Facebook
Son exelentes y recomentables
, Sep 4, 2015
Perfect !!!!!!
, Oct 7, 2016
I was very pleased with the service from your firm, especially my attorney Allen, he always returned mu calls and was very courteous.
, Jul 18, 2017
I HAVE BEEN A CLIENT FOR A YEAR NOW(JUNE 2016)AND THE FIRM HAS BEEN DIRECT AND HANDS ON WITH ME ON EVERY ASPECT.
, Jul 6, 2017
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, Jun 8, 2017
This firm is everything a law firm should be in this diversified world we live in today. The entire staff & attorneys are always on top of your legal matter. You can rest & trust that you are going to receive the best legal advice possible. The staff makes you feel at home with them. They are always extremely personable & knowledgeable about whatever issue they are handling for you. I love them & would highly recommend them to everyone & anyone.
, Dec 7, 2017
Great service and support from start to end.
, Jun 15, 2016
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, Feb 4, 2017
When it comes to traffic John K gets the job done in the courtroom Job Well Done
, Aug 16, 2017
Google
very satisfied with the outcome. You did a very good job
, Dec 26, 2016
thank you guys for representing me!
, Jun 17, 2016
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, Nov 22, 2017
Google
Excelente
, May 23, 2016
Son exelentes abogados muy honestos y muy responsables con sus clientes y sobretodo muy amables poreso yo tengo mucha confianza en ellos y. Poreso los he recomendado ampliamente con otras personas
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, May 21, 2016
Thank you very much you guys were helpful compassionate in my situation I really appreciate the ladys in Perth Amboy are very nice I recently send it a friend and she has the same opinion.
, May 24, 2016
Jonathan was brilliant!!! He is an expert in the field of DUI's. He is patient, well prepared and first and foremost he was concerned for the well-being of me and my family... Thanks so much for your representation!!!!
, Jun 29, 2016
Saved my life twice!!
, Jul 13, 2016
The lawyer Ana bontempo very profesional.
, Jul 19, 2016
I would like to say thank you for all your help you've giving me.
, May 24, 2016
I was happy with your service and professionalism with handling my case. I was treated with respect and always told the truth and not half of a story or what I wanted to hear. My team was awesome thank you
, Jul 14, 2017
MaryanN and Jasmine both very helpful and professional. Jonathan Kessous very professional. Would recommend the firm.
, Aug 5, 2016
Buen trabajo. Muchas gracias.
, Oct 23, 2016
Great job , thank you very much, I'm glad I found you,
, Oct 22, 2016
Very helpful in getting speeding ticket points reduced.
, Jun 15, 2016
Very good
, May 21, 2016
Best lawyer I ever had
, Nov 9, 2017
I would highly recommend this law firm to anyone. The service was epicable. Very thorough, efficient and friendly. It was a pleasure having you represent me.
, Jul 8, 2017
Excellent service John K gets the job done in the courtroom
, Aug 16, 2017
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, Sep 28, 2017
My lawyer Pat was very efficient on my case and I definitely give GGL 5 stars
, Oct 23, 2016
Like to thank u for your profession and with my traffic ticket
, Jul 24, 2016
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, Aug 18, 2016
Excellent service. Very respected law firm. Will use again and definitely recommend
, Oct 12, 2016
I can honestly state that JONATHAN is an excellant negotiator and timely attorney, whom prepares you for the worst and gets you the best.
, Jun 12, 2017