In October, 2008, the New Jersey Superior Court announced the creation of a Foreclosure Mediation Program to assist homeowners at risk of losing their homes.  Whether the foreclosure is contested or uncontested, homeowners will have the option of utilizing the mediation program before the Sheriff's Sale takes place in an attempt to modify their mortgages.  If the homeowner has not filed an Answer to the Foreclosure 
Complaint and the matter is uncontested, the homeowner can still request mediation and attempt to modify their mortgage.   
     
      If a Sheriff's Sale is scheduled, an application to postpone the Sheriff's Sale can be filed with the Court to allow the homeowner time to complete mediation and attempt to modify their mortgage. 

      Andrew G. Greenberg is a New Jersey attorney with sixteen years of experience working with lenders to resolve foreclosure matters on behalf of homeowners.  Andrew G. Greenberg is an attorney with mortgage modification experience in New Jersey. Let us help you through the mediation/modification process.  If a resolution is not possible, a homeowner retains the right to file a Chapter 13 bankruptcy petition before the Sheriff's Sale takes place in an effort to save their home and cure the mortgage arrears over sixty months.  Call us today toll free at 1-888-805-8684 to schedule a free consultation to learn your options.

      Whether or not a Foreclosure Complaint has been filed, a mortgage modification can also be requested by contacting your lender directly.  Let Andrew G. Greenberg, an experienced mortgage modification attorney in New Jersey, help you through the process.

     Many homeowners take no action until it is too late.  If you wish to save your home, your chances for a successful mortgage modification will be greater if you take action as soon as possible.