New Jersey Foreclosure Help

Call (888) 718-0986!

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 are looking for assistance with a troubled mortgage or foreclosure, you have come to the right place.

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 Attorney Evaluation! ◄ ◄

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:

http://www.njhomekeeper.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 a FREE ATTORNEY CONSULTATION or completing our FORECLOSURE DEFENSE ATTORNEY EVALUATION.

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: www.cccsnj.org
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

HUD Approved Housing Counseling Agencies

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
Address Languages
JERSEY COUNSELING AND HOUSING DEVELOPMENT, INC P: 856-309-0040
T:
F: 856-309-0111
E: Jerseycou@aol.com
W: N/A
1729 Erial Rd.
BLACKWOOD, New Jersey 08012-4483
– English
– Spanish
TRI-COUNTY COMMUNITY ACTION AGENCY P: 856-451-6330 x6679
T: 800-457-3188
F: 856-451-3121
E: cstringfield@gatewaycap.org
W: gatewaycap.org
110 Cohansey St.
BRIDGETON, New Jersey 08302-1922
– English
– Spanish
JERSEY COUNSELING AND HOUSING DEVELOPMENT, INC P: 856-541-1000
T:
F:
E: Jerseycou@aol.com
W: N/A
1844 S Broadway
Camden, New Jersey 08104-1334
– English
– Spanish
NEIGHBORHOOD HOUSING SERVICES OF CAMDEN, INC P: 856-541-0720
T:
F: 856-541-8440
E: nhscamden@comcast.net
W: www.nhscamden.org
601-603 Clinton St
CAMDEN, New Jersey 08103-1415
– English
– Spanish
– Vietnamese
CCCS OF NEW JERSEY P: 973-267-4324
T: 888-726-3260
F: 973-267-0484
E: customerservice@clarifi.org
W: www.cccsnj.org
185 Ridgedale Ave
Cedar Knolls, New Jersey 07927-1812
– English
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
1 Mall Drive
Suite 615
Cherry Hill, NJ 08002
CHERRY HILL, New Jersey 08002-2101
– Cantonese
– Chinese Mandarin
– English
NEW JERSEY CITIZEN ACTION P: 800-656-9637
T: 800-656-9637
F: 973-643-8100
E: application@njcitizenaction.org
W: www.njcitizenaction.org
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: contact@hpnj.us
W: www.housingpartnershipnj.org
2 E Blackwell St Ste 12
Dover, New Jersey 07801-4645
– English
– Spanish
TRI-CITY PEOPLES CORPORATION P: 973-676-5506-2165
T:
F: 973-675-4497
E: tcaldwell@tri-citypeoples.org
W: www.tri-citypeoples.org
55 Washington St. 4th Floor
EAST ORANGE, New Jersey 07017-1426
– English
– Spanish
AFFORDABLE HOUSING ALLIANCE, INC. P: 732-389-2958
T:
F:
E: info@housingall.org
W: www.housingall.org
59 Broad St
Eatontown, New Jersey 07724-1528
– English
– Spanish
MONEY MANAGEMENT INTERNATIONAL EGG HARBOR TOWNSHIP P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
3073 English Creek Ave Ste 3
Egg Harbor Township, New Jersey 08234-9711
– English
– Spanish
BRAND NEW DAY P: 908-282-0781-103
T:
F: 908-282-0788
E: penny.m@bndcdc.org
W: www.brandnewdaycdc.org
200 Second Street
ELIZABETH, New Jersey 07206-1901
– English
– Spanish
URBAN LEAGUE OF UNION COUNTY P: 908-351-7200
T:
F: 908-351-9906
E: ulunioncty@aol.com
W: www.uloucnj.org
288 N. Broad Street
ELIZABETH, New Jersey 07208-3711
– Creole
– English
– Portuguese
– Russian
– Spanish
URBAN LEAGUE FOR BERGEN COUNTY P: 201-568-4988
T:
F: 201-568-4989
E: info@ulbcnj.org
W: www.ulbcnj.org
40 N Van Brunt St Ste 28B
ENGLEWOOD, New Jersey 07631-2716
– 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: novadebthousing@novadebt.org
W: www.novadebt.org
225 Willow Brook Rd
Freehold, New Jersey 07728-5921
– English
– Spanish
GARDEN STATE CONSUMER CREDIT COUNSELING, INC. D/B/A/ NAVICORE SOLUTIONS P: 866-472-4557
T: 866-472-4557
F: 732-409-6284
E: education@navicoresolutions.org
W: www.navicoresolutions.org
225 Willowbrook Road
FREEHOLD, New Jersey 07728-5921
– English
– Spanish
GARDEN STATE CONSUMER CREDIT COUNSELING, INC.D/B/A NAVICORE SOLUTIONS- HPF AFFILIATE P: 732-409-6281
T: 866-472-4557
F: 732-863-5052
E: novadebthousing@novadebt.org
W: www.novadebt.org
225 Willow Brook Rd
Freehold, New Jersey 07728-5921
– 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
4 East Jimmie Leeds Road
Suite 10
Galloway, NJ 08205
GALLOWAY, New Jersey 08205-4465
– English
FAIR HOUSING COUNCIL OF NORTHERN NEW JERSEY P: 201-489-3552
T:
F: 201-489-8472
E: fhcnnj1@optimum.net
W: www.fhcnnj.org
131 Main Street
Suite140
HACKENSACK, New Jersey 07601-7052
– English
FAMILY GUIDANCE CENTER CORPORATION P: 609-586-2574
T:
F: 609-586-1465
E: jeff.robbins@fgccorp.org
W: www.fgccorp.org
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
75 Raritan Ave., Suite 200
HIGHLAND PARK, New Jersey 08904-2450
– 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
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
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:
F: 973-744-5333
E: admin@homecorp.org
W: www.homecorp.org
1 Woodland Ave
Montclair, New Jersey 07042-4606
– English
– Spanish
URBAN LEAGUE OF MORRIS COUNTY P: 973-539-2121
T:
F: 973-998-6520
E: mdavis@ulmcnj.org
W: www.ulmcnj.org
300 Madison Avenue, Suite A
MORRISTOWN, New Jersey 07960-6169
– English
– Spanish
PUERTO RICAN ACTION BOARD, INC. (HOUSING COALITION UNIT) P: 732-249-9700
T:
F: 732-249-4121
E: hgorman@prab.org
W: www.prab.org
90 Jersey Ave
NEW BRUNSWICK, New Jersey 08901-3258
– English
– Portuguese
– Spanish
LA CASA DE DON PEDRO P: 973-485-0701-4601
T:
F: 973-485-7448
E: aries@lacasanwk.org
W: www.lacasanwk.org
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: N/A
W: www.naca.com
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
744 Broad St Ste 2080
Newark, New Jersey 07102-3805
– English
– Spanish
URBAN LEAGUE OF ESSEX COUNTY P: 973-624-9535
T:
F: 973-624-9597
E: alarkins@ulec.org
W: www.ulec.org
508 Central Avenue
NEWARK, New Jersey 07107-1430
– 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
128 Market St.
PASSAIC, New Jersey 07055-7623
– English
– Spanish
CATHOLIC FAMILY AND COMMUNITY SERVICES, A CATHOLIC CHARITIES AGENCY FOR THE DIOCESE OF PATERSON P: 973-279-7100-20
T:
F: 973-523-1150
E: aalonso@catholicharities.org
W: www.catholicharities.org
24 DeGrasse Street
PATERSON, New Jersey 07505-2001
– English
– Hindi
– Spanish
HOUSING AUTHORITY OF THE CITY OF PATERSON P: 973-345-5085
T:
F: 973-977-9085
E: lruiz@patersonha.org
W: www.patersonhousingauthority.org
60 Van Houten Street
Paterson, New Jersey 07505
– 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
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: eugenia@perthamboyha.org
W: www.perthamboyha.org/
881 Amboy Avenue
PERTH AMBOY, New Jersey 08861-1911
– English
– Other
– Spanish
FAITH, BRICKS & MORTAR, INC. P: 908-756-5774-1
T:
F: 908-756-4413
E: faithbricksandmortar@verizon.net
W: N/A
164 East Front Street – REAR-
PLAINFIELD, New Jersey 07060-1202
– English
CENTRAL JERSEY HOUSING RESOURCE CENTER, INC. P: 908-704-9659
T:
F: 908-704-9235
E: cjhrc@verizon.net
W: www.cjhrc.org
600 1st Ave Ste 3
Raritan, New Jersey 08869-1346
– English
– Spanish
FAITH FELLOWSHIP COMMUNITY DEVELOPMENT CORPORATION P: 732-727-9500
T:
F: 732-653-0208
E: cbulluck@ffmwoc.org
W: www.ffcdc.net
2707 Main St
Sayreville, New Jersey 08872-1457
– English
– Spanish
MONEY MANAGEMENT INTERNATIONAL P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
2200 Highway 35
Sea Girt, New Jersey 08750-1014
– English
– Spanish
OCEAN COMMUNITY ECONOMIC ACTION NOW, INC. (O.C.E.A.N., INC.) P: 732-244-2351-22
T:
F: 732-557-4120
E: pford@oceaninc.org
W: www.oceaninc.org
22 Hyers St
Toms River, New Jersey 08753-7428
– 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
26 South Warren Street
TRENTON, New Jersey 08608-2108
– English
– French
– Russian
– Spanish
ISLES, INCORPORATED P: 609-341-4747
T:
F:
E: prose@isles.org
W: isles.org
10 Wood St
Trenton, New Jersey 08618-3921
– English
– Spanish
CUBAN AMERICAN NATIONAL COUNCIL, INC. – NEW JERSEY P: 201-325-8840
T:
F: 201-325-8841
E: gpera@cnc.org
W: www.cnc.org
4428-30 Bergenline Ave 2nd Floor
UNION CITY, New Jersey 07087-5004
– 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
595 Rancocas Road
Westhampton, NJ 08060
WESTAMPTON, New Jersey 08060-5628
– English
BURLINGTON COUNTY COMMUNITY ACTION PROGRAM P: 609-239-4008
T:
F: 609-835-9607
E: kxavier@yahoo.com
W: www.bccap.org
One Van Sciver Parkway
WILLINGBORO, New Jersey 08046-1026
– English
– Spanish

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.* * *