New Jersey Foreclosure Help

New Jersey Foreclosure Help LineCall (888) 718-0986 for Immediate Help!

Welcome to the New Jersey Foreclosure Help page. On this page, you will find direct access to foreclosure defense attorneys and non-profit organizations offering foreclosure prevention services. You will also find general information about the New Jersey Foreclosure Process. If you need help with a troubled mortgage or foreclosure, this is a great place to find it.

New Jersey Foreclosure Help – Foreclosure Attorneys

Stop Foreclosure Alabama!Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure, or Notice of Foreclosure Sale/Auction, a foreclosure defense or loss mitigation attorney is in the best position to effectively defend your rights and interests. If you have received one of these notices, contact us today!

New Jersey Foreclosure Help – Foreclosure Defense Attorneys

New Jersey Foreclosure Help - Foreclosure Defense AttorneysWe support foreclosure defense attorneys that can answer complaints, and file counter-claims and motions. They can also represent you at hearings, mediation, and during the entire negotiation process. A foreclosure defense attorney will fight to defend your rights, and achieve the best possible outcome in loan modification and other foreclosure alternatives.

► ► Find A Foreclosure Defense Attorney In New Jersey! ◄ ◄

► ► Complete the Foreclosure Defense Application! ◄ ◄

New Jersey Foreclosure Help – Hardest Hit Fund

New Jersey Homekeeper Hardest Hit FundNew Jersey is a”Hardest Hit Fund” State

($300,548,144)

Eligibility Info and Fact Sheet

For eligibility requirements and application information, please visit:

www.njhousing.gov

New Jersey Foreclosure Help – HUD Approved Agencies

HUD SealHUD Approved Foreclosure Avoidance Counseling Agencies Located in New Jersey

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.

Foreclose Defense Attorney ConsultationIn many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced foreclosure attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. In some instances, negotiating yourself or through a non-attorney third party can even be detrimental to you. Before you do anything else, we recommend speaking with a foreclosure defense attorney or completing the NO OBLIGATION Foreclosure Defense Application.

New Jersey Foreclosure Help – HUD Approved Foreclosure Avoidance Counseling Agencies in New Jersey

This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.

HUD
Agency Name
Phone
Toll-Free
Fax Number
Email
Website
Agency ID
Address Languages
JERSEY COUNSELING AND HOUSING DEVELOPMENT, INC P: 856-309-0040
T:
F: 856-309-0111
E: Jerseycou@aol.com
W:
A: 80408
1729 Erial Rd.
BLACKWOOD, New Jersey 08012-4483
– English
– Spanish
JERSEY COUNSELING AND HOUSING DEVELOPMENT, IN P: 856-541-1000
T:
F:
E:
W:
A: 80407
1844 S Broadway
Camden, New Jersey 08104-1334
– English
NEIGHBORHOOD HOUSING SERVICES OF CAMDEN, INC P: 856-541-0720
T:
F: 856-541-8440
E: nhscamden@comcast.net
W: www.nhscamden.org
A: 80892
601-603 Clinton Street
CAMDEN, New Jersey 08103-1415
– English
– Spanish
– Vietnamese
CCCS OF DELAWARE VALLEY, INC. DBA CLARIFI P: 800-989-2227
T: 800-989-2227
F: 215-563-7020
E: customerservice@clarifi.org
W: www.clarifi.org
A: 82100
1060 Kings Highway North
Suite 315
CHERRY HILL, New Jersey 08034-1910
– Cantonese
– Chinese Mandarin
– English
NEW JERSEY CITIZEN ACTION P: 973-643-8800
T: 800-656-9637
F: 973-643-8100
E: application@njcitizenaction.org
W: www.njcitizenaction.org
A: 81026
1040 Kings Highway
Suite 308
CHERRY HILL, New Jersey 08034-1908
– English
– Spanish
HOUSING PARTNERSHIP FOR MORRIS COUNTY P: 973-659-9222
T:
F:
E:
W: www.housingpartnershipnj.org
A: 81648
2 E Blackwell St Ste 12
Dover, New Jersey 07801-4645
– English
– Spanish
TRI-CITY PEOPLES CORPORATION P: 973-675-4484-2165
T:
F: 862-930-3745
E: tcaldwell@tri-citypeoples.org
W: www.tri-citypeoples.org
A: 83474
60 Evergreen Place, Suite 412
EAST ORANGE, New Jersey 07018-2117
– English
URBAN LEAGUE OF UNION COUNTY P: 908-351-7200
T:
F:
E:
W: www.uioucnj.org
A: 80403
288 N Broad St
Elizabeth, New Jersey 07208-3711
– Creole
– English
– Portuguese
– Spanish
URBAN LEAGUE FOR BERGEN COUNTY P: 201-568-4988
T:
F: 201-568-4989
E: info@ulbcnj.org
W: www.ulbcnj.org
A: 80405
12 Tenafly Road, Suite 103
ENGLEWOOD, New Jersey 07631-2206
– English
– Hindi
– Spanish
CCCS OF DELAWARE VALLEY, INC, DBA CLARIFI P: 800-989-2227
T: 800-989-2227
F: 215-563-7020
E: customerservice@clarifi.org
W: www.clarifi.org
A: 90051
4 East Jimmie Leeds Road
Suite 10
Galloway, NJ 08205
GALLOWAY, New Jersey 08205-4465
– English
COUNTY OF BERGEN, DEPARTMENT OF HUMAN SERVICES, DIVISION OF SENIOR SERVICES P: 201-336-7400
T:
F:
E:
W: www.co.bergen.nj.us
A: 80398
1 Bergen County Plz Fl 2
Hackensack, New Jersey 07601-7075
– English
– Korean
– Spanish
FAIR HOUSING COUNCIL OF NORTHERN NEW JERSEY P: 201-489-3552
T:
F: 201-489-8472
E: fhcnnj1@optimum.net
W: www.fairhousingnj.org
A: 80399
131 Main St
Suite 140
Hackensack, New Jersey 07601-7052
– English
– Spanish
FAMILY GUIDANCE CENTER CORPORATION P: 609-586-2574
T:
F: 609-586-1465
E: mary.halupa@fgccorp.org
W: www.fgccorp.org
A: 82094
1931 Nottingham Way
Hamilton, New Jersey 08619-3554
– English
– Spanish
NEW JERSEY CITIZEN ACTION P: 800-656-9637
T: 800-656-9637
F: 973-643-8100
E: application@njcitizenaction.org
W: www.njcitizenaction.org
A: 80769
75 Raritan Ave., Suite 200
HIGHLAND PARK, New Jersey 08904-2450
– English
– Spanish
GARDEN STATE CONSUMER CREDIT COUNSELING, INC. D/B/A/ NAVICORE SOLUTIONS P: 732-409-6281
T: 866-472-4557
F: 732-863-5052
E: education@navicoresolutions.org
W: www.navicoresolutions.org
A: 84870
200 U.S. Highway 9 North
MANALAPAN, New Jersey 07726-3072
– English
– Spanish
NAVICORE SOLUTIONS – MANALAPAN, NJ P: 732-409-6281
T: 866-472-4557
F: 732-863-5052
E: housing@navicoresolutions.org
W: www.navicoresolutions.org
A: 82226
200 US Highway 9
Manalapan, New Jersey 07726-3072
– English
– Spanish
CONSUMER CREDIT AND BUDGET COUNSELING, DBA NATIONAL FOUNDATION FOR DEBT MANAGEMENT P: 609-390-9652
T: 888-738-8233
F: 609-390-9653
E: help@cc-bc.com
W: www.cc-bc.com
A: 81557
299 S Shore Rd
US Route 9 So
Marmora, New Jersey 08223-1210
– English
– Spanish
CONSUMER CREDIT AND BUDGET COUNSELING, DBA NATIONAL FOUNDATION FOR DEBT MANAGEMENT P: 609-390-9652
T: 888-738-8233
F: 609-390-9653
E: help@cc-bc.com
W: www.cc-bc.com
A: 90224
299 S Shore Rd
US Route 9 So
Marmora, New Jersey 08223-1210
– English
– Spanish
HOMES OF MONTCLAIR ECUMENICAL CORP. (HOMECORP) P: 973-744-4141
T: 973-744-4141
F: 973-744-5333
E: vlindsey@homecorp.org
W: www.homecorp.org
A: 90058
17 Talbot St
Montclair, New Jersey 07042-2919
– English
– Spanish
URBAN LEAGUE OF MORRIS COUNTY P: 973-539-2121
T:
F:
E:
W: ulmcnj.org
A: 83757
300 Madison Ave Ste A
Morristown, New Jersey 07960-6169
– English
GUIDEWELL FINANCIAL SOLUTIONS – NJ BRANCH P: 800-642-2227
T:
F:
E: info@guidewellfs.org
W: www.guidewellfs.org
A: 90411
309 Fellowship Road, Suite 200
MOUNT LAUREL, New Jersey 08054-1234
– English
AFFORDABLE HOUSING ALLIANCE, INC. P: 732-389-2958
T:
F:
E: info@housingall.org
W: www.housingall.org
A: 82133
3535 Route 66
Parkway 100, Building 4
NEPTUNE, New Jersey 07753-2622
– English
– Spanish
PUERTO RICAN ACTION BOARD, INC. (HOUSING COALITION OF CENTRAL JERSEY UNIT) P: 732-249-9700
T:
F: 732-249-4121
E: gmelendez@prab.org
W: www.prab.org
A: 84236
90 Jersey Ave
NEW BRUNSWICK, New Jersey 08901-3258
– English
– Spanish
LA CASA DE DON PEDRO P: 973-485-0701-4601
T:
F: 973-485-7448
E: lprezeau@lacasanwk.org
W: www.lacasanwk.org
A: 84555
317 Roseville Avenue
NEWARK, New Jersey 07107-1703
– English
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) NEWARK, NJ P: 973-679-2601
T: 617-250-6222
F: 877-329-6222
E:
W: www.naca.com
A: 84368
60 Park Pl Fl 15
Newark, New Jersey 07102-5511
– English
– Other
– Spanish
NEW JERSEY CITIZEN ACTION P: 973-643-8800
T: 800-656-9637
F: 973-643-8100
E: application@njcitizenaction.org
W: www.njcitizenaction.org
A: 80765
625 Broad St Ste 270
Newark, New Jersey 07102-4418
– English
– Spanish
URBAN LEAGUE OF ESSEX COUNTY P: 973-624-9535-9535
T: 535-535-9535
F: 973-624-9597
E: psermon@ulec.org
W: www.ulec.org
A: 83500
508 Central Avenue
NEWARK, New Jersey 07107-1430
– English
– Spanish
PUERTO RICAN ASSOCIATION FOR HUMAN DEVELOPMENT, INC. P: 732-442-1081
T:
F: 732-826-3082
E: prahd@prodigy.net
W: www.prahd.org
A: 84906
100 First Street
PERTH AMBOY, New Jersey 08861-4645
– English
– Spanish
THE HOUSING AUTHORITY OF THE CITY OF PERTH AMBOY P: 732-826-3110-631
T:
F: 732-826-3111
E: ehill@perthamboyha.org
W: www.perthamboyha.org/
A: 83664
881 Amboy Avenue
PERTH AMBOY, New Jersey 08861-1911
– English
– Other
– Spanish
CENTRAL JERSEY HOUSING RESOURCE CENTER, INC. P: 908-704-9659
T:
F: 908-704-9235
E: cjhrc@verizon.net
W: www.cjhrc.org
A: 80650
600 1st Ave Ste 3
Raritan, New Jersey 08869-1346
– English
– Spanish
FAITH FELLOWSHIP COMMUNITY DEVELOPMENT CORPORATION P: 732-727-9500
T:
F:
E:
W: ffcdc.net
A: 82472
2707 Main St
Sayreville, New Jersey 08872-1457
– English
– Spanish
MONEY MANAGEMENT INTERNATIONAL – SPRING LAKE P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
A: 82645
700 Allaire Rd
Spring Lake, New Jersey 07762-2289
– English
– Spanish
AMERICAN CREDIT ALLIANCE, INC. P: 609-393-5400
T: 800-332-8648
F: 215-428-6746
E: info@501plan.org
W: www.501plan.org
A: 84140
26 South Warren Street
TRENTON, New Jersey 08608-2108
– English
– French
– Russian
– Spanish
ISLES, INCORPORATED P: 609-341-4783
T:
F:
E: ehung-shum@isles.org
W: isles.org/
A: 80988
33 Tucker Street
TRENTON, New Jersey 08618-4705
– Cantonese
– English
– Spanish
CCCS OF DELAWARE VALLEY, INC. DBA CLARIFI P: 800-989-2227
T: 800-989-2227
F: 215-563-7020
E: customerservice@clarifi.org
W: www.clarifi.org
A: 82443
595 Rancocas Road
WESTAMPTON, New Jersey 08060-5628
– English

HUD Approved Housing Counseling Agencies

New Jersey Foreclosure Help – National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America, located in New Jersey

Agency Name Phone
Website
Address Languages
Jersey Counseling and Housing Development Phone: 856-541-1000
Web:N/A
1840 S. Broadway
Camden, New Jersey 08104
– English
CCCS of New Jersey Phone: 973-267-4324
Web:

185 Ridgedale Ave
Cedar Knolls, New Jersey 7927
– English
Consumer Credit Counseling Service of Delaware Valley Phone: 800-989-2227
Web: www.clarifi.org
One Mall Drive Suite 615
Cherry Hill, New Jersey 8002
– English
Housing Partnership for Morris County Phone: 973-659-1414
Web: www.housingpartnershipnj.org
2 East Blackwell Street, Suite 12
Dover, New Jersey 07801
– English
Housing Partnership for Morris County Phone: 973-659-9222
Web: www.housingpartnershipnj.org
2 East Blackwell Street, Suite 12
Dover, New Jersey 07801
– English
Tri-City Peoples Corp. Phone: 973-675-4484
Web: www.tri-citypeoples.org
55 Washington St.
East Orange, New Jersey 07017
– English
Affordable Housing Alliance, Inc. Phone: 732-389-2958
Web: www.housingall.org
59 Broad Street
Eatontown, New Jersey 07724-1528
– English
Money Management International Phone: 800-873-2227
Web: www.moneymanagement.org
3073 English Creek Ave.
Egg Harbor Township, New Jersey 08234
– English
Brand New Day Inc. Phone: 908-282-0781
Web: www.brandnewdaycdc.org
202 2nd Street
Elizabeth, New Jersey 07206
– English
Urban League of Union County Phone: 908-351-7200
Web: www.uloucnj.org
288 N. Broad Street, 2nd Floor
Elizabeth, New Jersey 07208
– English
Urban league of Union County Phone: 908-351-7200
Web: www.uloucnj.org
272 North Broad Street
Elizabeth, New Jersey 07207
– English
Urban League of Bergen County Phone: 201-568-4988
Web: www.ulbcnj.org
40 N. Van Brunt Street
Englewood, New Jersey 07631
– English
Garden State Consumer Credit Counseling, Inc. Phone: 800-772-4557
Web: www.novadebt.org
225 Willowbrook Road
Freehold, New Jersey 7728
– English
Fair Housing Council of Northern New Jersey Phone: 201-489-3552
Web: fairhousingnj.org
131 Main Street, Suite 140
Hackensack, New Jersey 07601
– English
Family Guidance Center Phone: 609-586-2574
Web: www.fgccorp.org
1931 Nottingham Way
Hamilton, New Jersey 8619
– English
Mercer County Hispanic Association Phone: 609-587-8800
Web: N/A
18 East 6th Ave.
Hamilton, New Jersey 08619
– English
Consumer Credit and Budget Counseling Phone: 609-390-9652
Web: www.cc-bc.com
299 South Shore Rd., US Route 9 South
Marmora, New Jersey 08223
– English
NID-HCA Phone: 973-223-9967
Web: www.nidonline.org
301 E. Hanover Avenue
Morristown, New Jersey 7960
– English
Urban League of Morris County Phone: 973-539-2121
Web: www.ulmcnj.org
300 Madison Ave., Suite A
Morristown, New Jersey 07960
– English
Puerto Rican Action Board Phone: 932-249-9700
Web: www.prab.org
90 Jersey Ave.
New Brunswick, New Jersey 08901
– English
La Casa de Don Pedro Phone: 973-485-0701
Web: www.lacasanwk.org
75 Park Ave.
Newark, New Jersey 07104
– English
Neighborhood Assistance Corporation of America (NACA) Phone: 973-679-2601
Web: www.naca.com
60 Park Place
Newark, New Jersey 7102
– English
Urban League of Essex County Phone: (973) 624-9535
Web: www.ulec.org
508 Central Avenue
Newark, New Jersey 07107-1430
– English
Faith Fellowship CDC Phone: 732-727-9500
Web: www.ffcdc.net
2707 Main St.
Sayreville, New Jersey 08872
– English
MMI – Sea Grit Phone: 800-308-2227
Web: www.moneymanagement.org
2200 Highway 35
Sea Girt, New Jersey 8750
– English
Isles, Inc. Phone: 609-341-4789
Web: www.isles.org
10 Wood Street
Trenton, New Jersey 08618
– English
Cuban American National Council, Inc. Phone: 305-642-3484
Web: www.cnc.org
4428-30 Bergenline Ave.
Union City, New Jersey 07087
– English
Consumer Credit Counseling Service of Delaware Valley Phone: 800-989-2227
Web: www.clarifi.org
595 Rancocas Road
Westhampton, New Jersey 8060
– English
Burlington County Community Action Program Phone: 609-835-4329
Web: www.bccap.org
One Van Sciver Pkwy.
Willingboro, New Jersey 08046
– English

For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in New Jersey, please visit the HUD website.

New Jersey Foreclosure Help – New Jersey Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Mortgage.

Foreclosure Type(s): Judicial.

Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.

Initial Public Notice: Complaint.

Estimated Foreclosure Process Period: 270+ days.

First Notice to Sale Time Period: 270+ days.

Redemption Period?: Yes, 10 days.

Deficiency Balance?: Yes, with restrictions.

* * *This information represents MRP’s current understanding of the New Jersey foreclosure process. For the most detailed and up to date information, you should contact your local county government.* * *