New Jersey Foreclosure Help Line – Call (888) 718-0986

New Jersey Foreclosure Help Line – (888) 718-0986

Your call will be directly routed to a foreclosure defense law firm licensed to practice in NEW JERSEY. Speak to experienced legal professionals, and get answers today with a FREE CONSULTATION.

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 in New Jersey, you can find it here!


New Jersey Foreclosure Help – Foreclosure Defense Attorneys

Stop Foreclosure Attorney New Jersey

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


New Jersey Foreclosure Help – Foreclosure Defense and Loan Modification Attorneys

Foreclosure Defense Attorneys

We 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.

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


New Jersey Foreclosure Help – Hardest Hit Fund

New Jersey Homekeeper Hardest Hit Fund

New 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 Seal

HUD 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.

HUD Approved Foreclosure Avoidance Counseling in New Jersey

In 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, have a free consultation with a foreclosure defense attorney.

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
AddressLanguages
JERSEY COUNSELING AND HOUSING DEVELOPMENT, INCP: 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, INP: 856-541-1000
T:
F:
E:
W:
A: 80407
1844 S Broadway
Camden, New Jersey 08104-1334
– English
NEIGHBORHOOD HOUSING SERVICES OF CAMDEN, INCP: 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 CLARIFIP: 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
– English
GREENPATH FINANCIAL WELLNESSP: 888-860-4167
T:
F:
E: housingdepartment@greenpath.com
W: www.greenpath.org
A: 90542
1060 Kings Hwy N
Suite 315
Cherry Hill, New Jersey 08034-1910
– English
– Spanish
NEW JERSEY CITIZEN ACTIONP: 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 COUNTYP: 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
URBAN LEAGUE OF UNION COUNTYP: 908-351-7200
T:
F:
E:
W: www.uioucnj.org
A: 80403
1139 E Jersey St Ste 515
Elizabeth, New Jersey 07201-2444
– English
– Spanish
COUNTY OF BERGEN, DEPARTMENT OF HUMAN SERVICES, DIVISION OF SENIOR SERVICESP: 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
– Other
– Spanish
FAIR HOUSING COUNCIL OF NORTHERN NEW JERSEYP: 201-489-3552
T:
F:
E:
W: www.fairhousingnj.org
A: 80399
131 Main St Ste 140
Hackensack, New Jersey 07601-7140
– English
– Spanish
NEW JERSEY CITIZEN ACTIONP: 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 SOLUTIONSP: 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, NJP: 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 MANAGEMENTP: 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 MANAGEMENTP: 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: 973-860-7106
T:
F: 973-744-5333
E: info@homecorp.org
W: www.homecorp.org
A: 90058
17 Talbot St
Montclair, New Jersey 07042-2919
– 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
– Czech
– English
– Polish
– Spanish
– Ukrainian
PUERTO RICAN ACTION BOARD, INC.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 PEDROP: 973-485-0701-4601
T:
F: 973-485-9984
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, NJP: 973-679-2601
T: 617-250-6222
F: 877-329-6222
E:
W: https://www.naca.com
A: 84368
60 Park Pl Fl 15
Newark, New Jersey 07102-5511
– English
– Other
– Spanish
NEW JERSEY CITIZEN ACTIONP: 973-643-8800
T: 800-656-9637
F: 973-643-8100
E: application@njcitizenaction.org
W: https://www.njcitizenaction.org
A: 80765
625 Broad St Ste 270
Newark, New Jersey 07102-4418
– English
– Spanish
TRI-CITY PEOPLES CORPORATIONP: 973-675-4484
T: 000-000-0000
F: 862-930-3745
E: tcaldwell@tri-citypeoples.org
W: www.tri-citypeoples.org
A: 83474
675 S 19th St
Newark, New Jersey 07103-1033
– English
URBAN LEAGUE OF ESSEX COUNTYP: 973-624-9535
T:
F:
E:
W: www.ulec.org
A: 83500
508 Central Ave
Newark, New Jersey 07107-1430
– English
– Spanish
NEW JERSEY CITIZEN ACTIONP: 800-656-9637
T: 800-656-9637
F: 973-643-8100
E: application@njcitizenaction.org
W: www.njcitizenaction.org
A: 81024
128 Market St.
PASSAIC, New Jersey 07055-7623
– English
– Spanish
PATERSON TASK FORCE FOR COMMUNITY ACTION, INCP: 973-279-2333
T:
F: 862-264-1112
E: lstokes@patersontaskforce.com
W: www.patersontaskforcenj.org
A: 80404
109 Washington St
Paterson, New Jersey 07505-1301
– English
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 AMBOYP: 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
NID-HCA PLAINFIELDP: 908-941-1112
T:
F:
E: MuhammadM@nidhousing.com
W: www.nidhousing.com
A: 90527
1132 Park Ave
PLAINFIELD, New Jersey 07060-3011
– English
FAITH FELLOWSHIP COMMUNITY DEVELOPMENT CORPORATIONP: 732-727-9500
T:
F:
E:
W: epiccdc.net
A: 82472
2707 Main St
Sayreville, New Jersey 08872-1457
– English
– Spanish
CENTRAL JERSEY HOUSING RESOURCE CENTER, INC.P: 908-446-0036
T:
F:
E: 2cjhrc@gmail.com
W: www.cjhrc.org
A: 80650
92 E Main St
Suite 407
Somerville, New Jersey 08876-2319
– English
– Spanish
MONEY MANAGEMENT INTERNATIONAL – SPRING LAKEP: 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
AFFORDABLE HOUSING ALLIANCE, INC. TOMS RIVER BRANCH OFFICEP: 732-256-8650
T:
F: 732-240-3639
E: hrrclead@housingall.org
W: www.housingall.org
A: 90482
1415 Hooper Avenue
Suite 301
TOMS RIVER, New Jersey 08753-2585
– English
– Spanish
OCEAN, INC. (OCEAN COMMUNITY ECONOMIC ACTION NOW, INC.)P: 732-288-2614
T:
F: 732-288-2619
E:
W: www.oceaninc.org/
A: 90545
40 Washington Street
TOMS RIVER, New Jersey 08753-7669
– 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, INCORPORATEDP: 609-341-4783
T:
F: 609-341-4767
E: homehelp@isles.org
W: https://isles.org
A: 80988
33 Tucker St
Trenton, New Jersey 08618-4705
– Cantonese
– English
– Spanish
CCCS OF DELAWARE VALLEY, INC. DBA CLARIFIP: 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
Keep your family in your home!

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

Agency NamePhone
Website
AddressLanguages
Jersey Counseling and Housing DevelopmentPhone: 856-541-1000
Web:
1840 S. Broadway
Camden, New Jersey 08104
– English
CCCS of New JerseyPhone: 973-267-4324
Web: www.cccsnj.org
185 Ridgedale Ave
Cedar Knolls, New Jersey 7927
– English
Consumer Credit Counseling Service of Delaware ValleyPhone: 800-989-2227
Web: www.clarifi.org
One Mall Drive Suite 615
Cherry Hill, New Jersey 8002
– English
Housing PartnershipPhone: 973-659-1414
Web:
2 East Blackwell Street, Suite 12
Dover, New Jersey 07801
– English
Housing Partnership for Morris CountyPhone: 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:
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 InternationalPhone: 800-873-2227
Web:
3073 English Creek Ave.
Egg Harbor Township, New Jersey 08234
– English
Brand New DayPhone: 908-282-0781
Web:
202 2nd Street
Elizabeth, New Jersey 07206
– English
Urban League of Union CountyPhone: 908-351-7200
Web:
288 N. Broad Street, 2nd Floor
Elizabeth, New Jersey 07208
– English
Urban league of Union CountyPhone: 908-351-7200
Web: www.uloucnj.org
272 North Broad Street
Elizabeth, New Jersey 07207
– English
Union League of Bergen CountyPhone: 201-568-4988
Web:
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 JerseyPhone: 201-489-3552
Web: fairhousingnj.org
131 Main Street, Suite 140
Hackensack, New Jersey 07601
– English
Family Guidance CenterPhone: 609-586-2574
Web:
1931 Nottingham Way
Hamilton, New Jersey 8619
– English
Mercer County Hispanic AssociationPhone: 609-587-8800
Web:
18 East 6th Ave.
Hamilton, New Jersey 08619
– English
Consumer Credit and Budget CounselingPhone: 609-390-9652
Web:
299 South Shore Rd., US Route 9 South
Marmora, New Jersey 08223
– English
NID-HCAPhone: 973-223-9967
Web: www.nidonline.org
301 E. Hanover Avenue
Morristown, New Jersey 7960
– English
Urban League of Morris CountyPhone: 973-539-2121
Web:
300 Madison Ave., Suite A
Morristown, New Jersey 07960
– English
Puerto Rican Action BoardPhone: 932-249-9700
Web:
90 Jersey Ave.
New Brunswick, New Jersey 08901
– English
LaCasa de Don PedroPhone: 973-485-0701
Web:
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 CountyPhone: (973) 624-9535
Web: www.ulec.org
508 Central Avenue
Newark, New Jersey 07107-1430
– English
Faith Fellowship CDCPhone: 732-727-9500
Web:
2707 Main St.
Sayreville, New Jersey 08872
– English
MMI – Sea GritPhone: 800-308-2227
Web: www.moneymanagement.org
2200 Highway 35
Sea Girt, New Jersey 8750
– English
Isles, Inc.Phone: 609-341-4789
Web:
10 Wood Street
Trenton, New Jersey 08618
– English
Cuban American National Council, Inc.Phone: 305-642-3484
Web:
4428-30 Bergenline Ave.
Union City, New Jersey 07087
– English
Consumer Credit Counseling Service of Delaware ValleyPhone: 800-989-2227
Web: www.clarifi.org
595 Rancocas Road
Westhampton, New Jersey 8060
– English
Burlington County Community Action ProgramPhone: 609-835-4329
Web:
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 Notice

Security 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.* * *