New Jersey Foreclosure Help Line - Call (877) 400-8577
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
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
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 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 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.
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 Website Agency ID | Address | Languages |
JERSEY COUNSELING AND HOUSING DEVELOPMENT, INC | P: 856-309-0040 T: F: 856-309-0111 E: [email protected] 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: [email protected] 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: [email protected] W: www.clarifi.org A: 82100 | 1060 Kings Highway North Suite 315 CHERRY HILL, New Jersey 08034-1910 | - English |
GREENPATH FINANCIAL WELLNESS | P: 888-860-4167 T: F: E: [email protected] W: www.greenpath.org A: 90542 | 1060 Kings Hwy N Suite 315 Cherry Hill, New Jersey 08034-1910 | - English - Spanish |
NEW JERSEY CITIZEN ACTION | P: 973-643-8800 T: 800-656-9637 F: 973-643-8100 E: [email protected] 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 |
URBAN LEAGUE OF UNION COUNTY | P: 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 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 - Other - Spanish |
FAIR HOUSING COUNCIL OF NORTHERN NEW JERSEY | P: 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 ACTION | P: 800-656-9637 T: 800-656-9637 F: 973-643-8100 E: [email protected] 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: [email protected] 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: [email protected] 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: [email protected] 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: [email protected] 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: [email protected] 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: [email protected] 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: [email protected] 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: 973-485-9984 E: [email protected] 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: https://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: [email protected] W: https://www.njcitizenaction.org A: 80765 | 625 Broad St Ste 270 Newark, New Jersey 07102-4418 | - English - Spanish |
TRI-CITY PEOPLES CORPORATION | P: 973-675-4484 T: 000-000-0000 F: 862-930-3745 E: [email protected] W: www.tri-citypeoples.org A: 83474 | 675 S 19th St Newark, New Jersey 07103-1033 | - English |
URBAN LEAGUE OF ESSEX COUNTY | P: 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 ACTION | P: 800-656-9637 T: 800-656-9637 F: 973-643-8100 E: [email protected] W: www.njcitizenaction.org A: 81024 | 128 Market St. PASSAIC, New Jersey 07055-7623 | - English - Spanish |
PATERSON TASK FORCE FOR COMMUNITY ACTION, INC | P: 973-279-2333 T: F: 862-264-1112 E: [email protected] 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: [email protected] 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: [email protected] W: www.perthamboyha.org/ A: 83664 | 881 Amboy Avenue PERTH AMBOY, New Jersey 08861-1911 | - English - Other - Spanish |
NID-HCA PLAINFIELD | P: 908-941-1112 T: F: E: [email protected] W: www.nidhousing.com A: 90527 | 1132 Park Ave PLAINFIELD, New Jersey 07060-3011 | - English |
FAITH FELLOWSHIP COMMUNITY DEVELOPMENT CORPORATION | P: 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: [email protected] W: www.cjhrc.org A: 80650 | 92 E Main St Suite 407 Somerville, New Jersey 08876-2319 | - English - Spanish |
MONEY MANAGEMENT INTERNATIONAL - SPRING LAKE | P: 866-232-9080 T: 866-232-9080 F: 866-921-5129 E: [email protected] W: www.moneymanagement.org A: 82645 | 700 Allaire Rd Spring Lake, New Jersey 07762-2289 | - English - Spanish |
AFFORDABLE HOUSING ALLIANCE, INC. TOMS RIVER BRANCH OFFICE | P: 732-256-8650 T: F: 732-240-3639 E: [email protected] 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: [email protected] 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: 609-341-4767 E: [email protected] W: https://isles.org A: 80988 | 33 Tucker St 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: [email protected] W: www.clarifi.org A: 82443 | 595 Rancocas Road WESTAMPTON, New Jersey 08060-5628 | - English |
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: | 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 | Phone: 973-659-1414 Web: | 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: | 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: | 3073 English Creek Ave. Egg Harbor Township, New Jersey 08234 | - English |
Brand New Day | Phone: 908-282-0781 Web: | 202 2nd Street Elizabeth, New Jersey 07206 | - English |
Urban League of Union County | Phone: 908-351-7200 Web: | 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 |
Union League of Bergen County | Phone: 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 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: | 1931 Nottingham Way Hamilton, New Jersey 8619 | - English |
Mercer County Hispanic Association | Phone: 609-587-8800 Web: | 18 East 6th Ave. Hamilton, New Jersey 08619 | - English |
Consumer Credit and Budget Counseling | Phone: 609-390-9652 Web: | 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: | 300 Madison Ave., Suite A Morristown, New Jersey 07960 | - English |
Puerto Rican Action Board | Phone: 932-249-9700 Web: | 90 Jersey Ave. New Brunswick, New Jersey 08901 | - English |
LaCasa de Don Pedro | Phone: 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 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: | 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: | 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 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: | 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
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.* * *