3 Ways To Avoid Foreclosure

Free Foreclosure Case Evaluation

Keaveney Legal Group offers a free evaluation of your case and provides you with all the information necessary to make an informed decision.

1Applicant Info
2Summary Info
3Case Details
4Contact Info

Foreclosure is a legal process and there are ways to avoid foreclosure, even if the process has started. When your home lender begins the foreclosure process, they file a foreclosure lawsuit. In this blog, we go over three important ways to avoid foreclosure.

1.   The Time Limit

The foreclosure process begins like many other lawsuits. You are served by a processor or sheriff and from the date, you are served, you have 35 days to make a legal response in New Jersey and just 20 days in Pennsylvania. . Doing nothing will not help you. During the time period allowed for your response, you can employ one or more legal options, such as a hardship application.

While the rules give you a limited timed to respond to the legal notice or summons, you may have more time than that if the lender’s legal team postpones filing an entry of default. But that it not common and you have no control over when the Plaintiff will enter default.  It is much better to speak with a foreclosure attorney who is willing to review your case and explain your legal rights.

2. Never Do “Nothing” Because You Fear You Have No Options

First, foreclosure is very common, and it happens for a variety of reasons. An experienced foreclosure attorney can often help you save your home. The key is to find an equitable solution that benefits both you and the lender. We can help you file a hardship case if you’re a good candidate for it. The process involves explaining and documenting:

  • Why you are behind on mortgage payments
  • How that situation will change and when
  • Outline a plan so that you either sell the house in a short sale or you and the lender reach a repayment plan that brings your loan back to a normal status.

Doing nothing is never a good option. When you do nothing to save your house, you could eventually lose it and all the equity. Also, consider that the problems you face may not be of your creation. An example would be a lender failing to apply payments that you made to your loan.  We will look at your case, at your loan, and give you the best legal advice so that you understand your legal rights during the process.

3. Check for Due Process

In most foreclosure cases, the defendant is looking for a favorable solution that stops the foreclosure. In truth, most lenders want the same. Checking for due process means that your attorney will look at the legal process to make sure that the lender followed all the rules and regulations needed to file a foreclosure lawsuit. If they have not, there might be administrative reasons to stop it. That in itself may not make it go away, but it gives you time to work out a solution that gives you the best result.

Are You Facing Foreclosure & Need Assistance?

Facing foreclosure can be overwhelming.  The attorneys at Keaveney Legal Group have decades of experience helping people navigate their options. Learn more about how the process works and what your rights are under New Jersey law. We help save people’s homes and are happy to evaluate your foreclosure case too. Contact us today for your free consultation!

Keaveney Legal Group

1000 Maplewood Drive, Suite 202,
Maple Shade, NJ 08052
Phone: 1-800-219-0939

Keaveney Legal Group *

233 Mt. Airy Road, 1st Floor
Basking Ridge, New Jersey, 07920
Phone: (908) 279-0114

Keaveney Legal Group *

2001 Route 46, Waterview Plaza,
Suite 310
Parsippany, New Jersey, 07054
Phone: (732) 733-6025

Keaveney Legal Group *

2225 Sycamore Street
Harrisburg, PA 17111
Phone: (215) 501-7480

Keaveney Legal Group

1650 Market Street, Suite 3600
Philadelphia, PA 19103
Phone: (215) 710-0713

Keaveney Legal Group *

197 State Route 18 South,
Suite 3000 South Wing
East Brunswick, New Jersey, 08816
Phone: 732-733-6025

Keaveney Legal Group *

103 Carnegie Center Drive,
Suite 300
Princeton, New Jersey, 08540
Phone: (609) 751-0398

Keaveney Legal Group *

429 Fourth Avenue
Suite 300
Pittsburgh, PA 15219
Phone: (412) 746-0201

Keaveney Legal Group *

50 Tice Blvd, Suite 340
Woodcliff Lake, New Jersey, 07677
Phone: (732) 587-6120

Keaveney Legal Group *

411 Hackensack Avenue, 2nd Floor
Hackensack, New Jersey, 07601
Phone: (908) 279-0114

Keaveney Legal Group *

125 Half Mile Road,
Suite 200
Red Bank, New Jersey, 07701-6749
Phone: (732) 733-6025

Keaveney Legal Group

999 Riverview Drive, 2nd Floor,
Totowa, New Jersey, 07512
Phone: (908) 279-0114

Keaveney Legal Group *

Harborside Financial Center
160 Greene Street
2500 Plaza 5, 25th floor
Jersey City, New Jersey, 07311
Phone: (908) 279-0114

Keaveney Legal Group *

51 JFK Parkway, First Floor West
Short Hills, New Jersey, 07078
Phone: (732) 587-6120

* By Appointment Only

Disclaimer – This website is a public resource of general information concerning our law firm. The website or the associated pages is not intended to be and it is not a source of legal advice. Links on this website are not intended to be referrals or endorsements of the linked entities. No recipient of content from this site, client, whether current or otherwise, should act or refrain from acting based on information at this site. Any and all information on this website is not intended to, nor does it, constitute or establish an attorney-client relationship.

We are a debt relief agency. We help people file bankruptcy relief under the Bankruptcy Code.

NJ Clients: Pay Now

PA Clients: Pay Now