The stakes are very high when fighting foreclosure, and disaster is often only narrowly averted. It's a challenge to deal with the courts, the banks and their attorneys, and get the best results. But an experienced professional can help you do just that.
A recent case, for clients I'll call the Bello sisters to protect their privacy, illustrates this well.
The Bellos are immigrants from Africa who own a home together in New Jersey. They were working hard trying to realize the American dream when a loss of income caused them to default on their mortgage payments to PHH Mortgage.
Since New Jersey is a judicial foreclosure state, they were served a summons and complaint, officially putting them into foreclosure. PHH hired an attorney to handle the case and try to take the Bello's home from them.