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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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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
Estuvo bien gracias muchas gracias
, Jul 12, 2017
Thank you for your help and good job
, Oct 17, 2017
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 satisfied
, Aug 3, 2016
Son buenos los mejores abogados buen equipo en general
, Jul 7, 2017
Less then a year the lawyer from GGL resolved my case ,,, it is the second time they help me !!!
, Sep 28, 2017
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
, May 23, 2016
I was satisfied, and the service was very good, my lawyer was very professional and did a great job.
, Feb 3, 2017
Very good
, May 21, 2016
Great people they do help thank you for everything you've done
, Jul 18, 2017
Estoy feliz por el trabajo que hisieron, gracias por todo.
, Oct 5, 2017
I would like to say thank you to ALL at Garces, Grabler, & Lebrocq. I believe all work with great integrity. The patience and effectiveness really shows in my life. From car accident to divorce. Purchasing home. Even with help making my dreams come true and starting my own business. I appreciate ALL. Definitely know I will always be in good hands. Thanks!!!
, Oct 20, 2017
Very good i will recommend your services to other people
, Mar 2, 2017
Joe Delgado was the best attorney anyone could ever have! I had a very complicated case but he took it and we won!!
, Sep 28, 2017
I recently had gotten a ticket that was worth 5 points. I choose this firm because they were local to where the incident occurred. I was very nervous and unsure of the possible outcomes. They were so patient and reassuring with my case. Everything went smoothly and quickly and I was very happy with the final results! I would highly recommend them!
, Feb 25, 2016
Great service and support from start to end.
, Jun 15, 2016
Johnathan Kessous did a fantastic job handling my case. I hope i never need his expertise again...but if I do, he would be my first choice for legal representation. I had gotten a speeding ticket on the NJTPK going 84 in a 55 which resulted in a state trooper issuing me a 5 point ticket. Johnathan got it reduced down to zero points... just a fine.
, Oct 4, 2017
I was very satisfied with the services provided . Graces and Grabler handled my case in a excellent manner.
, Feb 18, 2018
, Jan 5, 2017
Outstanding service very professional attorneys thumbs up all the way
, Feb 4, 2017
The best!!!
, Jul 6, 2017
Very satisfied...highly recommend!
, Jun 14, 2016
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
Everyone in the office was very nice and pleasing. I had a sense of comfort when i walked into the door.
, Jan 9, 2018
Mr. Lebroq is an excellent Attorney. The office staff has always been prompt , respectful and helpful. I highly recommend this firm.
, Oct 10, 2015
The best In Plainfield, Thanks Garces+Grabler+Lebrocq for your help! Beating my case and my wife case.
, Jun 15, 2016
Los mejores abogados gran equipo
, Jul 7, 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 service John K gets the job done in the courtroom
, Aug 16, 2017
Tuve una buena experiensia confien son los mejore.yo tube dos caso y sali muy bien gracias a ellos
, May 7, 2016
Great expletive with Esq Arindo. He is practical, honest, and thorough. I really appreciate his help.
, Jun 16, 2016
Compassion and professional
, Oct 27, 2017
Very professional group I'm really satisfy with service provided
, Feb 19, 2018
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
Lo mejor de lo mejor como abogados para mi caso de compensación de trabajo gracias a tan buen equipo en general y sus secretarias tambien que se esperan en ayudarte gracias de nuevo
, Jan 31, 2018
You guys are number 1 for me! always have an answer to help people
, Dec 21, 2017
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
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
Very professional I'm very happy with their service.
, Aug 29, 2017
They were very effective in getting my ticket and fines knocked down to lesser offence. I appreciate all their help.
, Jul 15, 2017
Son exelentes y recomentables
, Sep 4, 2015
Sarita was great, she sealed with every detail of the process. i recommend this firm
, Jun 22, 2017
Excellent service.
, Apr 1, 2017
Great service,would recommend to anybody!
, Jul 10, 2017
Knowledgeable, helpful, and friendly guy. Thanks for the service!
, Jun 13, 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
, Oct 22, 2017
, Jul 6, 2017
Buenos profesionales, completamente satisfecho con sus servicios
, Jul 11, 2017
Yo ELSA, estoy muy agradecida y muy feliz de haber escogido como mi abogado. Es un buen y excelente preparado e inteligente ABOGADO. Trabaja muy profesional y consciente igual todo su personal que trabaja en su oficina. Me ayudó mucho con mi Caso. Lo recomiendo a cualquiera persona que necesita sus servicios de un buen ABOGADO.
, Feb 17, 2017
Perfect !!!!!!
, Oct 7, 2016
Very satisfied withow my case was handled
, Oct 17, 2016
Great personal service from your staff!
, Feb 28, 2018
Best lawyer I ever had
, Nov 9, 2017
I would highly recommend these attorneys to all my friends and family!!! Best of the Best!!!!
, Mar 2, 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
Professional, smart and most importantly, effective. Great attorneys that help in every aspect of the legal process. The office staff was always very helpful and polite, while the legal professionals were direct and extremely efficient. I highly recommend this office to anyone seeking advice or council.
, Feb 16, 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
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
Great service all the way around
, Feb 16, 2018
100% satisfaction, very good. I like to recommend.
, Jun 16, 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
I would like to say thank you for all your help you've giving me.
, May 24, 2016
Great service everytime.
, Aug 18, 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
Lawrence and his team are A+++ when it comes to all aspects of law.
, Jun 17, 2016
Great job , thank you very much, I'm glad I found you,
, Oct 22, 2016
He helped me fight a battle that I put off for years. Thank you so much for your services.
, Aug 31, 2016
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
Great mr. Allen g. Still rolling out of bed. Thx.
, Mar 19, 2018
Excellent service would recommend to others
, Feb 7, 2017
Muy bueno y excelente
, May 21, 2016
They were very helpful and address any questions I had about my case.Great team, very happy overall
, Nov 22, 2017
Great attorney , Pat Vella . Got all points dropped from my record . I owe this man 100xs over ! Thank you !
, Oct 21, 2016
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
When it comes to traffic John K gets the job done in the courtroom Job Well Done
, Aug 16, 2017
Very helpful in getting speeding ticket points reduced.
, Jun 15, 2016
Best of the best. Thanks you
, Aug 7, 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
Estoi satifecha por supervisio grasia a
, May 16, 2016
Great lawyers great service highly recommended
, Dec 29, 2017
Yo estoy muy satisfecha con su servicio gracias abogados de G G. Lo volviera a contratar todas lss veces k los nesecite por su rapides y su eficiencia. Son muy dedicados a sis clientes Gracias
, Jun 19, 2017
Buen trabajo. Muchas gracias.
, Oct 23, 2016
Garces Grabler LeBrocq is the BEST!
, Oct 13, 2017
Really good and reliable service This is my second time using your services and I always come out wining.
, Oct 21, 2016
Very please with law firm
, Apr 2, 2017
thank you guys for representing me!
, Jun 17, 2016
Bill Grabler handled several comp case's for me including permanent worker's comp. He did a fantastic job.
, Jul 21, 2016
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
My lawyer Pat was very efficient on my case and I definitely give GGL 5 stars
, Oct 23, 2016
Gracias x hacer todo lo posible dios los bendiga
, Aug 3, 2016
A well-prepared staff who handled everything we asked. Made us feel welcome and handled everything professionally.
, Jun 13, 2016
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
Los mejores
, Jul 7, 2017
Thanks for everything my life change Good bless thanks
, Jul 21, 2016
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
Son muy buenos abogados,llevan los casos con mucha responsabilidad y empeño.
, Nov 28, 2017
Anna is the best lawyer I ever had the pleasure to hander my case, very knowledgeable in workers comp law, I would recommend to anyone.
, Jul 10, 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