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Stop Foreclosure in South Jersey

“I would personally like to thank Mr. Spiller for what he has done for me. He saved my house that my children & I have lived in for the last 22 years from foreclosure and I'm sure he would do for you as he has done for me.” -- Kimberly M.

How to Stop Foreclosure in South Jersey

Loan Modifications to Save Your Home – Brenner Spiller & Archer from Brenner Spiller & Archer on Vimeo.

Experienced Bankruptcy Lawyers Prevents Home Foreclosure in New Jersey

You made a huge investment in your home and you almost certainly don’t want that investment to be destroyed by unmanageable debt. Unfortunately, as the housing market in New Jersey and the United States continues to decline, many people are falling behind on their mortgage payments and are growingly increasingly worried about losing their homes. Worse yet, the mortgage company may not be very understanding when it comes to your late payments. If you have gone into significant arrears and are facing foreclosure, you already understand what is at stake. Your best move right now is to speak with an experienced debt attorney who can help you stop foreclosure, whether that’s through bankruptcy, debt negotiation, loan modification or some other option like selling your home.

At the law firm of Brenner Spiller & Archer, our New Jersey attorneys focus on helping individuals save their homes from foreclosure by providing honest and straightforward advice, as well as options that work for the homeowners’ unique needs. With more than 30 years of experience in foreclosure and bankruptcy law matters throughout Central Jersey and South Jersey, bankruptcy attorney Brad Spiller has the legal knowledge needed to help you through these difficult and complex issues.

Stop Foreclosure through Bankruptcy in South Jersey

If you are drowning in debt, you may soon find yourself facing foreclosure as the bank looks to take your home. The good news is that there are a variety of methods for potentially stopping foreclosure on your home. Some of the best options to prevent foreclosure in New Jersey include:

  • Chapter 7 Bankruptcy: By filing for Chapter 7, you can potentially erase your debts, including credit card debt and medical bills. The discharging of your debts may provide you with the ability to put income toward meeting mortgage obligations, enabling you to keep your home. As long as you are current on your mortgage payments and do not have a lot of equity in your house, Chapter 7 bankruptcy could be a viable alternative to home foreclosure. In Chapter 7, foreclosure proceedings and sheriff sale proceedings have to stop immediately.
  • Chapter 13 Bankruptcy: In a Chapter 13 bankruptcy, also known as reorganization bankruptcy, you should be able to set up a payment plan and make payments on your mortgage arrears over a certain period of time (typically three to five years). This may be the best option for you if you are not current on your mortgage and are still trying to stave off foreclosure. As with Chapter 7, a Chapter 13 bankruptcy filing will bring a halt to sheriff sale proceedings.
  • Debt Consolidation: By consolidating all of your debt into one single loan payment, you may find it much easier to manage your bills, including mortgage payments, going forward. Moreover, when you consolidate your debt, you can often obtain a lower interest rate.
  • Loan Modification: Another strong option for avoiding foreclosure is to seek loan modification. An experienced attorney can help you restructure your home loan and get a reduction in required monthly payments.

Contact Our South Jersey Debt Relief Attorneys to Learn How to Save Your Home from Foreclosure

You may be feeling overwhelmed and frustrated by mounting debt and mortgage bills that need to be paid, but do not lose hope. There may still be good options available to help you prevent foreclosure and save your home. The experienced debt relief and bankruptcy lawyers at Brenner Spiller & Archer can help you understand all of your options and tailor a solution that fits your unique needs. There is no such thing as a “typical” solution when it comes to saving a home from foreclosure, so all factors must be considered. Contact our Central and South New Jersey bankruptcy lawyers online or call 856-963-5000 to schedule a free consultation to discuss your financial situation.

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

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    West Berlin, NJ 08091

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    Vineland, NJ 08360

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    57 W. Main St.
    Freehold, NJ 07728

    Phone: 732-338-0659

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