Best Foreclosure lawyers in New Jersey

205 Foreclosure Lawyers in New Jersey

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Paula Cristina Nunes

1283 Route 22 East, Mountainside, NJ

Criminal Defense Discrimination Foreclosure +1 +4

4.5/5

4.5

123 Reviews

21 Aug, 2024 by Samaria liu

To the Lord Kobrin, Alvarez, And Fattell staff thank you, Anthony, Christopher and Mariam for your hard-work, dedication and honesty. God bless this firm

02 Aug, 2024 by Pensy429

Mr. Anthony Fattell and his team were GREAT! They were very professional and nice. It took no time to close my case with no delays and making sure I was compensated with what I deserve. I would HIGHLY recommend choosing this firm to assist you in any of your accident cases.

22 Jun, 2024 by Louis panetta

From our first meeting, I knew that I made the right choice. Alessandra made me feel like family and that I was her only client! She handled every detail and got us a settlement I couldn’t imagine.

Rebecca Schore

316 East Broad Street, Westfield, NJ

Appeals Bankruptcy Consumer Protection +1 +4

4.5/5

4.5

20 Reviews

16 May, 2023 by Holly grom

The staff was exceptional but no one advocated for me on any of the issues and I ended up getting screwed by the seller from every angle. A lot of issues after closing and no reply, no advice, no sorry it’s a done deal….nothing. Very disappointed

23 Jan, 2023 by Glenn roberts

Entire staff is very nice to work with

23 Feb, 2021 by Apoorva srivastava

Justin Martin Gillman

770 Amboy Avenue, Edison, NJ

Bankruptcy Foreclosure +2

+1 (732) 532-3164

4.5/5

4.3

9 Reviews

4.6

10 Reviews

28 Aug, 2017 by Cassie king

We were extremely happy with the legal services provided by Justin and the staff at Gillman & Gillman. Flexible hours and an approachable attitude that made a difficult process a little easier. Highly recommend.

29 Jun, 2017 by Charlie saldutti

I highly recommend Gillman & Gillman if you have to file for bankruptcy. He and his staff very knowledgeable and professional they answered many questions we had. They made the process feel painless and believe me we had a lot of anxiety going into this financial problem we had. Justin is a excellent attorney he made the process easy. Thank You Charlie

31 May, 2017 by Meir d

Extraordinary attorney and amazing staff members. Our bankruptcy was a breeze. thanks so much!

Javier Luis Merino

1520 U.S. Highway 130, North Brunswick, NJ

Consumer Protection Foreclosure +2

4.5/5

4.5

11 Reviews

22 Jun, 2022 by Sandi

Excellent - no delays in communication and I got the results that I needed to keep by home. Kind and understanding always!!!!

30 Nov, 2021 by Benigno and maria

Mr. Merino and his team fulfilled our needs of a financial fresh start. His dedication throughout the bankruptcy process made us feel at ease and convinced that we had made the right decision. Having his support and advice during these difficult times in our lives, was a blessing.

25 Mar, 2021 by Baron

A horrendous experience and one I wish I had ended long before today. I reached out in May of last year for help with a home loan modification. I already had an agreement in place, which I clearly explained, but I hoped for something more flexible considering the pandemic and some other health issues I was going through. I figured legal help might get me what I was hoping for, so I hired Mr. Merino. I was told it would be a 3-4 month long process...that was 9 months ago. My term was "zero sum game", meaning I wanted to be at a point where I could make standard payments without having to tack on thousands monthly to cover arears. I wasn't looking for waivers or forgiveness, or even lower payments. What I wanted was to take the arears and tack it to the principle, if possible, understanding as well that there might be a penalty involved. During the time this was being worked on paperwork constantly disappeared and I was always told it never arrived. The final use of that excuse, I pointed out that it had been sent Certified, requiring a signature: those papers appeared within literal minutes. This went on for 3 months, until I finally insisted on a face-to-face meeting, in the middle of the Covid shutdown, and me with a compromised immune system, to pass the information: there would be no more lost paperwork. I was given a list of things to bring...and when I got there I was asked to supply two more items that weren't on the list. I will say that some was my fault. There were times it would take me a week to get the correct information together, but constantly being requested to provide new and different information, or the same information in a different form, was tiresome, and I work 50hrs to 60+hrs a week. I was told that the bank required it all, but I don't believe for an instant the lender wouldn't know what to ask for from the very start. I asked to be copied on all e-mail correspondence with the lender, and was not. I asked to be e-mailed recaps of all telephone conversations with the lender, and was not. Only at the end of our relationship were most of the e-mail correspondences sent to me, and even then I've been told that there isn't a certainty that all of them were sent, just the ones he could find. Phone calls were sporadic (partly my fault because at first I wasn't diligent, as I should have been), but when they did occur I was very clear on what I wanted, and to his credit there were some calls with good information. Finally, in late October, 4 months after this 3-4 month process should have already concluded, things finally started to move. Of course, because of the holidays, it was early January before we could really push...and it slogged in to March. About 2-3 weeks back, I am going to get some great news! After 8 months and thousands of dollars, I was presented with...the EXACT SAME OPTION I ALREADY HAD IN PLACE! Not a single difference from what I had already worked out prior to my relationship with Mr. Merino. 100% identical. I was presented with an option that I had already explained from the very beginning wasn't feasible. And to my perception it was presented as though it was a huge win for him and his team. When I noted that they had worked all those months to get to the same point I was already at, and ignored what I wanted to try and do, an assistant advocated for the bank about how great the proposal was, and continued to advocate for the bank even after I requested several times that such not be done. NOTHING was done to pursue the goal I put forth 9 months ago, until a few days recent, by which time I had already decided to terminate the relationship. Nine months with nothing to show for it. I cannot begin to relate how disappointed and upset this process has made me.

James David de Stefano

1 Paragon Drive., Montvale, NJ

Criminal Defense Foreclosure Litigation +3

4.4/5

4.4

43 Reviews

26 Jul, 2024 by Harpreet boora

Melissa and her team provided my partner and I (international IPs both in the UK) with legal support during our second surrogacy journey in the US. At the start, she clearly laid out the steps involved, process, timings and her fees. Throughout the process she was very responsive and always available to answer any questions that we had. Thanks to Melissa we had a smooth journey and the pre birth order, post birth order and birth certificates were all obtained in good time. Thank you Melissa for all of your help! We would fully recommend Melissa for any IPs who need legal support during the surrogacy journey.

25 Jul, 2024 by Jorge navarro

Melissa and her team helped us to have all our paperwork done in record time! We are a Spanish couple so it was even more difficult our case, but with their support, everything went smoothly! From the court order to the birth certificate filling and other required official documentation, everything went perfectly so we could have our baby registered, and with no issues. I extremely recommend her services, always replying immediately to any request and supporting us with any incidence that may appear! Great service!

25 Apr, 2024 by Sean noonan

Highly disappointing experience.

Kimberley Catherine Almasy

429 Amboy Ave, Woodbridge, NJ

Child Custody Child Support Domestic Violence +7 +10

4.3/5

5.0

1 Reviews

4.3

36 Reviews

21 Apr, 2024 by Mirly paul

He was amazing! Very professional, fair price, and rapid work on his end. Recommended him to several people.

06 Apr, 2024 by Maria romero

23 Mar, 2024 by Rodney johnson

Great attorney and an even better Paralegal (BARBARA). I use them for most of my real estate closings. TEAM JOHNSON of CBRealty 732‐986‐2366

Michael J Cicala

55 Wanaque Avenue, Pompton Lakes, NJ

Family Law Foreclosure Litigation +1 +4

4.3/5

4.3

17 Reviews

08 Aug, 2019 by Greg

I got into a custody battle with my girlfriend. DYFS got involved. I couldn't see my kid because DYFS thought I was beating my wife. I wasn't and Mr. Cicala got it all straightened out. He helped me get some treatment and fought to get me custody back. I'm back living with my wife and son. Mr. Cicala really helped me.

07 Sep, 2018 by Jack

I got behind on some of my credit cards and missed a lot of payments. I ignored the problem for a long time until I got sued in the mail. I called Mike and he filed some paperwork to slow the lawsuit down. The other firm tried to bully me into paying something I couldn't afford but Mike went to court with me and got me a good deal. I had to pay less than they wanted because they made up so much money I owed them. Mike did a great job.

22 Jun, 2018 by Mary

I got a lot of tickets. I was driving and the other guy hit my car into a parked car with people in it. The cops were unfair to me because I didn't do anything. Mike went to court with me and I got no points. I only got a small fine and Mike got me months to pay. He did great and stood up for me when the other people tried to blame everything on me.

Thomas E Biron

301 Carnegie Ctr # 3, Princeton, NJ

Business Foreclosure Personal Injury +1 +4

4.3/5

4.3

6 Reviews

03 Mar, 2022 by Howard alter

Highly Skilled Legal Representation - Effective and Efficient.

06 Dec, 2019 by Christina shifton

22 Aug, 2019 by Scott

Komlika K Gill

1818 Old Cuthbert Rd, Cherry Hill, NJ

Business Estate Planning Foreclosure +1 +4

4.2/5

4.6

19 Reviews

3.9

20 Reviews

27 Apr, 2024 by Dipak thesiya

Kim is very competent. She knows her job well. However communication can be better.

26 Jan, 2024 by Jimmy patel

Great firm to work with. Very responsive and on top of their tasks. Five stars from me.

21 Dec, 2023 by Zeshan nawaz

A very courteous and helpful team! I had the pleasure of working with Sachin on the closing of my new residence and he was very thorough and helpful. I've called them several times and they always pick up immediately and have a very helpful team on the phone as well. Will be using their services again!

James K Grace

137 High Street, Mount Holly, NJ

Criminal Defense Estate Planning Family Law +2 +5

4.2/5

4.2

7 Reviews

20 Apr, 2020 by Anonymous

A friend/colleague recommended James Grace as "knowledgeable" with my legal situation, but after little communication and apparently limited expertise, my case was sacrificed. I petitioned the Disciplinary Review Board of the Supreme Court of New Jersey for my fee reimbursement and won.

19 Mar, 2015 by Diana

Mr Grace was able to refer me to the proper services which got me a great pension and a lump settlement, which will help greatly with my retirement.

10 Mar, 2015 by John

As a small business owner in New Jersey I needed guidance to navigate the ever changing landscape. Mr. Grace was very knowledgeable and helpful in restructuring my partnership. I was able to reduce my tax liability and protect myself. I trust Jim explicitly and will retain his services again in the future.

Mark Paul Asselta

360 Haddon Ave # 539, Haddon Township, NJ

Foreclosure Litigation Real Estate +3

4.2/5

4.2

6 Reviews

16 May, 2023 by Jovine edwards

Horrible professionalism does not have the clients best interest at hand and he will steal your money and not do his job with paperwork. Do not use this lawyer for anything. I should have a listen to the reviews prior to, but I thought I’d give them a chance but I gave them a chance to screw me. You have been worn. Do not trust him.

01 Feb, 2023 by Mike considine

26 Feb, 2022 by Liz ludman

Richard B Gelfond

1460 Route 9 North, Woodbridge, NJ

Foreclosure Litigation Real Estate +3

4.0/5

4.0

4 Reviews

02 Mar, 2015 by Alex

This guy never got back to me on my concern. I ended up hiring another attorney. Thanks for nothing. If these profiles got no one updating them, then delete them and don't waste my time looking through idle profiles.

28 Jul, 2011 by Saraswat family

We were so happy with Mr. Gelfond's services that I feel the need to elaborate on the previous review posted by us. His service stood in stark contrast to another attorney we had hired two years ago. Our reasons for hiring Richard Gelfond: a) Richard's practice areas, Real Estate, Litigation and Foreclosure, are the best suited for real estate deals. b) Multiple decades worth of experience. c) Excellent reviews on various websites. d) Picking up the phone himself both the times we called him initially. Our experience with Richard Gelfond: a) He always picked up his phone himself unless he was not in office. There were never any layers of secretaries or legal assistants. With the previous attorney, we always used to hit a bureucratic wall. b) Emails were answered promptly, quite a few times within minutes. c) We never had to push him to pursue any matter. In fact, he used to remind us if we lagged behind in giving a response!!! With the previous attorney, we had to keep calling over multiple days in order for a response to be sent out. d) During the attorney review of the real estate contract, I could not find any clause which he had missed. With the previous attorney, I had to suggest clauses. e) He kept us informed at each step, keeping us in the loop while communicating with various entities like the title insurance company, bank's attorney, surveyor etc. f) He always patiently listened to what we had to say, never loosing his temper. We can unequivocally recommend him as a real estate attorney and shall certainly hire him again and none else.

27 Jul, 2011 by Saraswat family

We hired Richard as our real estate attorney and he did an excellent work on our house closing. It's very hard to find an attorney like him. Very responsive, trustworthy & knowledgeable:) I'll definitely recommend him to my friends & relatives. All 5 stars to you Richard from saraswat family !!

Jason Daniel Stone

18 Robbins Street, Toms River, NJ

Business Foreclosure Intellectual Property +1 +4

3.8/5

3.8

7 Reviews

11 Dec, 2022 by Anonymous

Stone Law was hired to handle a trademark steps for us and Jason is the lawyer who responded to handle the filing request. Nearly two weeks passed and he was completely lacking in communication skills and attentiveness to the situation. Nothing but a couple vague emails back and forth-- no work, no progress. Requested a refund, then he acted like he was doing something and that he couldn't find our company info online for what we requested. Truth is, he never actually put in the effort to discuss things and get the information. Plus we are easily found on Google, along with our trademark items. The firm really came across as unprofessional and not trustworthy.

26 Sep, 2019 by Mario

Jason and his firm worked diligently to provide my company the trademark registration in a fast and accurate way! Highly recommended

04 Jun, 2018 by August

My partner and I have been working with Jason for a number of years through the process of patenting our invention and founding a company around it. His legal advice and expertise has been invaluable in navigating the many complexities of the patent process and dealing with the USPTO. His technical proficiency in computer science has been an incredibly valuable asset in my discussions with him about the invention, as it allows him to both quickly grasp technical concepts as well as make suggestions to help solidify our legal footing. He has a diverse skill set and has also assisted us in other areas such as contract law, trademark, and copyright. He is a pleasure to work with and highly recommended.

Katrina Mendoza

7 Century Drive, Parsippany, NJ

Debt Collection Foreclosure Real Estate +3

3.8/5

3.8

141 Reviews

28 Aug, 2024 by Neekzz prime

Junk Firm. There plenty of others out there. Stay away from these guys.

19 Jul, 2024 by Rebecca siano

They put me in collections from something I did 12 years ago I have no idea what’s it’s for.. It happened in my 20s when I was married..They put not only my bank account on hold but they also put my teenage daughters on hold.. you can’t get in-touch with anyone all the phone does is ring and ring… The fact they took my daughters money is absolutely disgusting. The fact they are coming after me years later with no warning but one letter and I tried to call and resolve it no answer.. As a lawyers office I didn’t think you allow to touch a child money since this is not her responsibility..

07 Jun, 2024 by Winston meikle

Doug “Dougie Fresh“. Was an excellent lawyer. He did a great job fighting for me and got us a decent settlement. I recommend them.

Tammy L Terrell

Seven Century Drive, Parsippany, NJ

Foreclosure Real Estate +2

3.8/5

3.8

141 Reviews

28 Aug, 2024 by Neekzz prime

Junk Firm. There plenty of others out there. Stay away from these guys.

19 Jul, 2024 by Rebecca siano

07 Jun, 2024 by Winston meikle

Doug “Dougie Fresh“. Was an excellent lawyer. He did a great job fighting for me and got us a decent settlement. I recommend them.

Michael S. Hanusek

7 Century Dr Ste 201, Parsippany, NJ

Appeals Business Foreclosure +1 +4

3.8/5

3.8

141 Reviews

28 Aug, 2024 by Neekzz prime

Junk Firm. There plenty of others out there. Stay away from these guys.

19 Jul, 2024 by Rebecca siano

07 Jun, 2024 by Winston meikle

Doug “Dougie Fresh“. Was an excellent lawyer. He did a great job fighting for me and got us a decent settlement. I recommend them.

Jeffrey Jay Brookner

991 Route 22 West, Bridgewater, NJ

Business Estate Planning Foreclosure +1 +4

3.6/5

3.6

3 Reviews

01 Aug, 2023 by Anonymous

Takes your retainer, sends a few emails and then completely disappears off the face of the earth. Does not respond at all. But you will see him posting stupid stuff on Facebook, meanwhile you are left in the middle of a case with no representation.

16 Apr, 2015 by Doug

I have used Jeffrey for a handful of business issues and questions that have hit on a number of different legal areas. Jeff does a great job of keeping things simple, talking in everyday language, and taking the most efficient and cost-effective way to tackle a problem. I have found Jeff to be fair, knowledgeable, practical, and honest. I would recommend him for any business matters regardless of its size or complexity.

04 Apr, 2015 by Anonymous

Mr. Brookner helped me buy a business. He got the job done professionally and for a reasonable price. I wouldn't hesitate to recommend him!

Carol L Knowlton

311 White Horse Ave, Hamilton, NJ

Bankruptcy Foreclosure Litigation +3

3.4/5

3.4

5 Reviews

05 Mar, 2021 by Richard

Carol helped me with some legal work in 2015 when I was going through a very difficult time with my bankruptcy. She and her staff showed great compassion for my problems and with very patient, detailed work, Carol was able to get me through these difficult times. Carol accompanied me to my court date and walked me through the proceedings. I would use Carol again if I could and would recommend her to anybody going through difficult financial times.

11 Jan, 2021 by Anonymous

Carol Knowlton charged me over $6,000.00 for work she did not do and was granted by the Judge CMG. Although there was no proof shown of the work she claim she did, she was still granted the amount. I hired this lawyer for a Bankruptcy case where she completed. However later she continue to charge me for busy work, like charging me $180.00 for putting a cover letter over information that was sent to her that I requested from my mortgage company and she forward it to me.

22 Oct, 2020 by Christopher

Going through bankruptcy is an extremely stressful experience. Carol Knowlton, at Gorski & Knowlton PC, worked with me and help me, not only getting me through the whole bankruptcy process, but represented me and got me restarted in my business, and my life. Carol, and her staff, was not just a legal law firm to me, but they made me feel like they were family that was helping, and protecting me. Thank you Carol!!!

Bryan Francis Ferrick

35 Journal Square, Jersey City, NJ

Bankruptcy Business Child Custody +6 +9

3.0/5

3.0

2 Reviews

09 May, 2013 by Lori

Terrible attorney took my money promised to go to court and get my back due rent and never did any work besides a phone call to my advisory.

03 Mar, 2013 by Anonymous

He is very knowlegabe about the law. I was charged with unregistered handgun. I was facing prison but he got my probation. I would definately recommend him.

James Christopher Zimmermann

244 State Highway 94, Vernon, NJ

Bankruptcy Criminal Defense Estate Planning +1 +4

1.0/5

1.0

1 Reviews

22 Sep, 2017 by Anonymous

I hired Mr Zimmerman (AKA James C Zimmerman / James Zimmerman/ James Christopher Zimmerman ) to handle a bankruptcy case for me. I gave him a full list of my creditors. He omitted many of them in his filing. I brought it to his attention, he blamed me, and then wanted more money to add the creditors he omitted. The bankruptcy was completed at this point and I still have the debts he omitted. I took him to small claims court and he told the judge I was just trying to make a name for myself trying an attorney in small claims court. The judge never fully heard or considered my case or was interested in allowing me to speak as judges have little respect for non attorneys. I gave up, because other attorneys are not interested in pursuing cases against fellow attorneys that they will have to interact with throughout their careers. However, I can surely let others know that he has proved himself a liar and dishonest in my opinion and with clear supporting documentation.

Thomas Michael Lenney

22 Pine Street., Morristown, NJ

Business Foreclosure Litigation +1 +4

1.0/5

1.0

1 Reviews

25 Apr, 2016 by Anonymous

I can not recommend Tom Lenney or the Lenney Law Firm after working with him on our first-time home buying process. He barely spoke with us after our initial contact. Our emails were neglected. He left for vacation during our home inspection negotiation and didn't even let us know he would be out of town. Our realtor ended up having to negotiate the entire deal on his behalf. Looking back, Tom didn't add any value to the process, only frustration.

Patrick R Gillard

210 Lake Dr E Ste 200, Cherry Hill, NJ

Business Foreclosure Tax +3

0.0/5

Peter Saad

1300 Mount Kemble Ave, Morristown, NJ

Appeals Business Foreclosure +2 +5

0.0/5

Kyungjoo Park

440 Sylvan Ave Ste 250, Englewood Cliffs, NJ

Business Debt Collection Foreclosure +3 +6

0.0/5

Rachelle Joanna Armbruster

25 Market St, Trenton, NJ

Business Foreclosure Litigation +1 +4

0.0/5

Ana Elizabeth Cruz

470 Chestnut Ridge Rd, Woodcliff Lake, NJ

Business Foreclosure Litigation +3

0.0/5

Richard A O'Halloran

502 Carnegie Center, Princeton, NJ

Business Entertainment Foreclosure +1 +4

0.0/5

Richard Norman Tilton

2112 Baileys Corner Rd, Wall Township, NJ

Business Foreclosure +2

0.0/5

Wayne A Watkinson

1460 Route 9 North, Woodbridge, NJ

Business Foreclosure Government +2 +5

0.0/5

Lawrence W. Luttrell

2137 Route 35, 3rd Floor, Holmdel, NJ

Criminal Defense Family Law Foreclosure +2 +5

0.0/5

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FAQs

Questions? We have answers

What a Foreclosure Lawyer Can Do for You

A foreclosure lawyer specializes in helping homeowners navigate the legal complexities of foreclosure, working to protect their rights and potentially save their homes. Foreclosure lawyers assist homeowners facing foreclosure by negotiating with lenders, filing legal defenses, and representing them in court. They also help with loan modifications, short sales, and other alternatives to foreclosure. Whether you’re behind on mortgage payments or already in foreclosure proceedings, a lawyer can help you explore your legal options and work toward a solution.

If you’re at risk of losing your home, a foreclosure lawyer can provide guidance on how to stop or delay the foreclosure process and protect your financial future.

When Should I Hire a Foreclosure Lawyer?

You should consider hiring a foreclosure lawyer in several situations where you are facing financial difficulties with your mortgage. Common reasons to hire a lawyer include:

Facing foreclosure proceedings: If your lender has initiated foreclosure proceedings, a lawyer can help you file a legal defense and explore options for stopping or delaying the process.
Loan modification: If you want to modify the terms of your mortgage to make payments more manageable, a lawyer can help you negotiate with your lender and ensure that the modification complies with legal standards.
Challenging the foreclosure: If you believe your lender has violated foreclosure laws or the terms of your mortgage agreement, a lawyer can help you challenge the foreclosure in court.
Stopping a foreclosure sale: If your home is about to be sold at a foreclosure auction, a lawyer may be able to file for a temporary restraining order or injunction to halt the sale.
Short sale or deed in lieu of foreclosure: If you cannot afford to keep your home but want to avoid foreclosure, a lawyer can assist with arranging a short sale or a deed in lieu of foreclosure, where you voluntarily transfer ownership of the home to the lender to avoid foreclosure.
Filing for bankruptcy: If you’re unable to manage your mortgage debt and other financial obligations, a lawyer can advise whether filing for bankruptcy might stop foreclosure and help you restructure your debts.

Hiring a lawyer as soon as possible - especially when foreclosure is imminent - can provide you with more legal options to save your home or limit financial damages.

What Does a Foreclosure Lawyer Do?

A foreclosure lawyer provides a variety of legal services to homeowners facing foreclosure, working to protect their rights and help them avoid losing their homes. Their responsibilities often include:

Negotiating with lenders: A lawyer can negotiate with your lender to modify your mortgage or create a repayment plan, helping you avoid foreclosure by securing more favorable terms.
Filing a legal defense: If your lender is improperly foreclosing or has made errors in the foreclosure process, a lawyer can file a legal defense, challenging the foreclosure in court. Defenses may include violations of foreclosure laws, predatory lending practices, or failure to follow the terms of the mortgage.
Representing you in court: A lawyer can represent you in foreclosure proceedings, whether you are defending against the foreclosure, seeking more time to negotiate with the lender, or filing for bankruptcy.
Stopping or delaying foreclosure sales: If your home is scheduled for a foreclosure auction, a lawyer can help file a motion to stop or delay the sale, giving you time to explore other options.
Advising on bankruptcy: A foreclosure lawyer can assess whether filing for Chapter 7 or Chapter 13 bankruptcy would be beneficial, as bankruptcy can temporarily stop foreclosure and give you time to reorganize your finances.
Arranging short sales or deeds in lieu of foreclosure: A lawyer can help facilitate a short sale (selling the property for less than the mortgage balance) or a deed in lieu of foreclosure (transferring the property to the lender), which may allow you to avoid the foreclosure process.

How Are Foreclosure Lawyers Paid?

Foreclosure lawyers typically charge for their services based on the complexity of the case and the legal work involved. Common payment structures include:

Hourly rate: Many foreclosure lawyers charge by the hour, with rates typically ranging from $150 to $500 or more, depending on the lawyer’s experience and location.
Flat fee: For specific legal services, such as negotiating a loan modification or filing a bankruptcy petition, some lawyers offer a flat fee. Flat fees can range from $1,500 to $5,000, depending on the scope of the work.
Retainer: In more complex foreclosure cases, especially those involving ongoing negotiations with lenders or court appearances, a lawyer may require a retainer. This is an upfront payment that is billed against as the lawyer works on your case.
Contingency fee (rare): In some rare cases, particularly when suing a lender for wrongful foreclosure, a lawyer may work on a contingency fee basis. This means they only get paid if they win the case or settle on your behalf.

It’s important to discuss fees and payment arrangements with your lawyer upfront, especially if you are facing financial difficulties.

How Much Does a Foreclosure Lawyer Cost?

The cost of hiring a foreclosure lawyer depends on the complexity of the case, the lawyer’s experience, and the amount of time required to resolve the issue. General cost estimates include:

Hourly rates: Foreclosure lawyers typically charge between $150 and $500 per hour. For example, a simple case with 10 hours of legal work at $300 per hour would cost $3,000.
Flat fees: For straightforward services such as filing for bankruptcy or negotiating a loan modification, flat fees typically range from $1,500 to $5,000, depending on the complexity of the work.
Retainers: In more complex or ongoing foreclosure cases, a lawyer may require a retainer ranging from $2,500 to $10,000, depending on the length of the case and the lawyer’s experience.

In addition to legal fees, you may also need to cover additional costs, such as court filing fees or expenses related to property appraisals.

How to Check the Credibility of a Foreclosure Lawyer

To ensure you are hiring a reputable foreclosure lawyer, take the following steps to verify their credentials and experience:

Check their bar status: Verify with your state bar association that the lawyer is licensed to practice law and has no disciplinary actions against them.
Look for foreclosure experience: Review the lawyer’s website or professional profile to ensure they specialize in foreclosure law and have successfully handled cases similar to yours.
Read client reviews and testimonials: Look for reviews on platforms like Avvo, Martindale-Hubbell, or Google to see what previous clients have said about their experience with the lawyer.
Ask for references: A reputable lawyer should be able to provide references from past clients who have worked with them on foreclosure matters.
Check for certifications or memberships: Look for lawyers who are members of organizations like the National Association of Consumer Advocates (NACA) or who have specialized certifications in real estate or foreclosure law.

What Should I Prepare for My First Consultation?

To get the most out of your first consultation with a foreclosure lawyer, it’s important to come prepared with relevant documents and information. Here’s what you should bring:

Mortgage documents: Bring a copy of your mortgage agreement, payment history, and any correspondence you’ve received from your lender, including foreclosure notices or demand letters.
Financial information: Provide information about your income, expenses, and debts, as this will help the lawyer assess your financial situation and determine the best legal strategy for your case.
Previous communications with your lender: If you’ve already tried to negotiate with your lender, bring any emails, letters, or records of phone calls that document these communications.
Court documents (if applicable): If foreclosure proceedings have already begun, bring any court documents related to the case.
Questions about your legal options: Prepare a list of questions about the foreclosure process, your options for avoiding foreclosure, and how the lawyer plans to help you.

By preparing thoroughly for your consultation, you can help the lawyer assess your situation more effectively and provide the best possible legal advice for protecting your home from foreclosure.

Best Foreclosure lawyers in New Jersey

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Tinton Falls

Newton

Scotch Plains

Pennington