Free, judgment-free help
Behind on Payments? You Have More Options Than the Bank Told You.
New Jersey's foreclosure process takes a year or more — and sheriff sales can be postponed. That's time to protect your equity, your credit, and your next move. The worst thing you can do is nothing.
Call or text now: (856) 350-4733
Where are you in the process? (NJ timeline)
- 1
Missed payments (months 1–4)
Most options are still open: reinstatement, modification, refinance, or selling at full market value on your schedule.
- 2
Notice of Intent & lawsuit filed
NJ is a judicial state — the lender must sue. You'll be served a complaint; you typically have 35 days to answer. Nothing is lost yet.
- 3
Judgment entered
The court sets the path to sheriff sale. Even now, a sale that pays off the loan protects your equity and your credit from a foreclosure entry.
- 4
Sheriff sale scheduled
NJ homeowners are entitled to two adjournments (delays) of the sale — and courts or lenders often grant more when a legitimate sale is in progress. We've closed in this window many times.
This is general information, not legal advice — foreclosure defense attorneys and HUD-approved counselors exist and we'll point you to them when that's your best move. Also see: behind on payments and selling before sheriff sale.
Frequently Asked Questions
How long does foreclosure take in New Jersey?
Typically a year or more from first missed payment to sheriff sale — NJ has one of the longest processes in the country. That time is your biggest asset if you use it.
Can I sell my house after the foreclosure lawsuit is filed?
Yes. You own the home until the sheriff sale is complete. A sale before then pays off the lender, stops the process, and puts remaining equity in your pocket.
What does it cost to get your help?
Nothing. We only make money if we buy your house or sell it for you — the consultation, the numbers, and the lender coordination are free either way.
Will you just lowball me because I'm desperate?
No — and you don't have to take our word for it. We show you the math on every option, including listing the house fast at market value if there's time. Protecting your equity is literally the pitch.
What about Philadelphia / Pennsylvania foreclosures?
PA uses Act 91 notices and its own timeline, and Philadelphia has a residential mortgage foreclosure diversion program that can buy you conference time. We work both sides of the river.
Find out exactly where you stand — free
Cash offer, novation, terms, or a top-dollar listing — see them side by side. A real local person — not a call center — calls or texts you within 15 minutes, 7 days a week.
Or call/text now: (856) 350-4733