--- title: Foreclosure and Loan Modification Blog | new jersey foreclosure process description: new jersey foreclosure process | Dedicated foreclosure defense law firm helping foreclosure victims stay in their home, and obtain loan modifications. --- [![Foreclosure and Loan Modification Lawyers](https://blog.amerihopealliance.com/hs-fs/images/forclosure-attorneys.png?width=360&height=117&name=forclosure-attorneys.png "Foreclosure and Loan Modification Lawyers")](https://www.amerihopealliance.com/) - Practice Areas - [Foreclosure Defense](https://amerihopealliance.com/foreclosure-defense) - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds) - [Loan Modification](https://amerihopealliance.com/loan-modification) - [Tax Resolution & Tax Preparation](https://amerihopealliance.com/en/amerihope-alliance-tax-resolution) - [Bankruptcy](https://amerihopealliance.com/en/bankruptcy) - [Probate](https://amerihopealliance.com/en/probate) - [About Us](https://amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Client Login](https://amerihopealliance.com/client_login) - [FAQ](https://amerihopealliance.com/frequently-asked-questions) - [Contact Us](https://amerihopealliance.com/contact_us) - [Blog](https://blog.amerihopealliance.com/blog) - [Foreclosure and Loan Modification Blog](https://blog.amerihopealliance.com/blog) - [Personal Injury Blog](https://blog.amerihopealliance.com/personal-injury) - [Referrals](https://amerihopealliance.com/surplus-case-referral) ph: (877) 882-5338 # Foreclosure and Loan Modification Blog - [Blog](https://blog.amerihopealliance.com/blog) - Foreclosure and Loan Modification Blog ## [A Guide to Fast-Track Foreclosure Processes](https://blog.amerihopealliance.com/blog/expedited-foreclosure-process) [![](https://blog.amerihopealliance.com/hubfs/images/ClockChain.jpg)](https://blog.amerihopealliance.com/blog/expedited-foreclosure-process) An expedited foreclosure, also known as a fast-track foreclosure, is an action pursued by the lender of the mortgage which allows the lender to foreclose on a home more quickly than the typical foreclosure process would allow. The lender files a motion to expedite the foreclosure with the courts. The motion for an expedited foreclosure is also served to the homeowner. This motion is only granted to the lender if the lender can show that the home has been [abandoned](https://blog.amerihopealliance.com/blog/new-jersey-new-york-florida-and-illinois-lead-nation-in-zombie-foreclosures) and may be at risk of harm. You can also receive a motion for expedited foreclosure when you are still living in the home. If this should happen to you, it is very important that you meet with a foreclosure defense attorney to review the documents. In most cases, you will want to hire a lawyer to make sure you follow all of the instructions and respond and object to the motion. This means you may have to submit evidence and attend a court hearing in order for the judge to decide whether or not you have abandoned the home. \[fa icon="clock-o"\] Sunday, September 6, 2020 \[fa icon="user"\] [Jordan Shealy](https://blog.amerihopealliance.com/blog/author/jordan-shealy) \[fa icon="folder-open'\] [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process), [pennsylvania foreclosure defense](https://blog.amerihopealliance.com/blog/topic/pennsylvania-foreclosure-defense), [foreclosure process in new york](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-new-york), [foreclosure defense](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense), [foreclosure process in florida](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-florida), [foreclosure moratorium](https://blog.amerihopealliance.com/blog/topic/foreclosure-moratorium), [foreclosure process in illinois](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-illinois) [Read More »](https://blog.amerihopealliance.com/blog/expedited-foreclosure-process) ## [Who Are the "Unknown Parties" In Your Foreclosure Case?](https://blog.amerihopealliance.com/blog/who-are-the-unknown-parties-in-your-foreclosure-case) [![](https://blog.amerihopealliance.com/hubfs/images/Unknown.jpg)](https://blog.amerihopealliance.com/blog/who-are-the-unknown-parties-in-your-foreclosure-case) Homeowners who fall seriously behind on their mortgage often notice something strange when they are **served a foreclosure complaint**: under defendants, alongside their name, there are other ***“unknown”* defendants** listed. Who the heck are these ***“Unknown Parties”***, and why are they on your complaint?  > Before I answer that, let's look at an example of a **foreclosure complaint** from a recent client of our firm in Collier county, Florida (my bold): > > *“VERIFIED MORTGAGE FORECLOSURE COMPLAINT* > > *Plaintiff, U.S. Bank National Association, sues Defendants (Names Redacted); Any and **All Unknown Parties** Claiming By, Through, Under, and Against the Herein Named Individual Defendant(s) Who Are Not Known to be Dead or Alive, Whether Said **Unknown Parties** May Claim an Interest as Spouses, Heirs, Devisees, Grantees, or Other Claimants; **Unknown Party #1, Unknown Party #2, Unknown Party #3 and Unknown Party #4**, the names being fictitious to account for parties in possession, and alleges...”* You can see from that excerpt that US Bank is suing homeowners in a foreclosure lawsuit. After the owners names, they also list as defendants ***“Any and All Unknown Parties (who)...May Claim an Interest”*** in the property. They use language that covers any possible way that a person could have an interest in the subject property, such as ***“Spouses, Heirs, Devisees, Grantees”***. \[fa icon="clock-o"\] Thursday, August 9, 2018 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process), [foreclosure process in new york](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-new-york), [foreclosure process in florida](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-florida), [foreclosure defense attorney](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney), [unknown foreclosure defendants](https://blog.amerihopealliance.com/blog/topic/unknown-foreclosure-defendants), [foreclosure process in illinois](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-illinois) [Read More »](https://blog.amerihopealliance.com/blog/who-are-the-unknown-parties-in-your-foreclosure-case) ## [4 Ways to Avoid Foreclosure at the Last Second](https://blog.amerihopealliance.com/blog/4-ways-to-avoid-foreclosure-at-the-last-second) [![](https://blog.amerihopealliance.com/hubfs/images/ClockChain.jpg)](https://blog.amerihopealliance.com/blog/4-ways-to-avoid-foreclosure-at-the-last-second) Falling behind on your mortgage is a terrible situation to be in, but even if a foreclosure sale date is fast approaching, it doesn't necessarily mean that all is lost. **You may still be able to stop foreclosure, possibly even permanently.** Depending on your situation, a l**oan modification, adjournment, emergency motion, or bankruptcy** could help you avoid losing your home to foreclosure. Here's how each works: ## 1. Loan Modification Applying for a loan modification can stop a foreclosure sale when the application for it is submitted to the mortgage servicer **at least 37 days before the sale date**. When a bank pursues foreclosure while a loan mod application is under review, that's called dual-tracking, a practice that is prohibited by the Consumer Financial Protection Bureau's mortgage servicing rules. \[fa icon="clock-o"\] Thursday, May 18, 2017 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process), [how to stop foreclosure](https://blog.amerihopealliance.com/blog/topic/how-to-stop-foreclosure), [Bankruptcy](https://blog.amerihopealliance.com/blog/topic/bankruptcy), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure), [avoiding foreclosure](https://blog.amerihopealliance.com/blog/topic/avoiding-foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/4-ways-to-avoid-foreclosure-at-the-last-second) ## [Using Your Statutory Rights to Adjourn a Sheriff's Sale in New Jersey](https://blog.amerihopealliance.com/blog/using-your-statutory-rights-to-adjourn-a-sheriffs-sale-in-new-jersey) [![](https://blog.amerihopealliance.com/hubfs/images/Gavel3.jpg)](https://blog.amerihopealliance.com/blog/using-your-statutory-rights-to-adjourn-a-sheriffs-sale-in-new-jersey) Homeowners in New Jersey have a right to adjourn a sheriff's sale of their home for 14 days for any or no reason by paying a small fee. And this can be done twice. This foreclosure avoidance tool is called a **statutory right to adjourn sheriff's sale**. (Adjournment means a temporary postponement of a court action.) It's **not a permanent way out of foreclosure**, and it doesn't cancel the sale, but it's a great tool for homeowners to use to temporarily stop the sale of their home when no other option is available. \[fa icon="clock-o"\] Tuesday, November 1, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process), [i have a foreclosure sale date](https://blog.amerihopealliance.com/blog/topic/i-have-a-foreclosure-sale-date), [prolong foreclosure](https://blog.amerihopealliance.com/blog/topic/prolong-foreclosure), [foreclosure defense attorney new jersey](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey) [Read More »](https://blog.amerihopealliance.com/blog/using-your-statutory-rights-to-adjourn-a-sheriffs-sale-in-new-jersey) ## [You Could Be In Foreclosure And Not Even Know It](https://blog.amerihopealliance.com/blog/you-could-be-in-foreclosure-and-not-even-know-it) [![](https://blog.amerihopealliance.com/hubfs/Question-097025-edited.jpg)](https://blog.amerihopealliance.com/blog/you-could-be-in-foreclosure-and-not-even-know-it) Many homeowners find that **something strange happens when they stop paying their mortgage: nothing much**. After missing payments they get letters from their bank telling them that they have to pay up or else lose their home. They don't pay because they can't, but still nothing happens for a long time. **Some homeowners go many years without making a payment**, falling behind by tens or hundreds of thousands of dollars, **and yet their house isn't sold at a foreclosure auction, the sheriff doesn't tell them to vacate the premises, and they're not thrown to the curb. Sometimes the collections calls even stop!** However, just because nothing seems to happen doesn't mean that the gears of foreclosure aren't turning or that the bank forgot that your loan isn't performing for them. Rest assured that **they haven't forgotten about you and the money you owe them**. \[fa icon="clock-o"\] Tuesday, July 5, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process), [foreclosure process in new york](https://blog.amerihopealliance.com/blog/topic/foreclosure-process-in-new-york), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [florida foreclosure process](https://blog.amerihopealliance.com/blog/topic/florida-foreclosure-process), [loan modification help](https://blog.amerihopealliance.com/blog/topic/loan-modification-help), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/you-could-be-in-foreclosure-and-not-even-know-it) ## [New Jersey Number Two in Country for Foreclosures](https://blog.amerihopealliance.com/blog/new-jersey-number-two-in-country-for-foreclosures) [![](https://blog.amerihopealliance.com/hubfs/NewJERSEY-486027-edited.jpg)](https://blog.amerihopealliance.com/blog/new-jersey-number-two-in-country-for-foreclosures) In the first quarter of 2016 the U.S. saw less foreclosure activity than in any quarter since the fourth of 2006. But New Jersey continues to struggle with a foreclosure rate that's **much worse** than the national average. Nationwide, one in every 459 homes in the country had a foreclosure filing in the first quarter of 2016. But **in the garden state it's one in 216.** According to RealtyTrac's Foreclosure Market Report the only state with more is Maryland with one in every 194 housing units having a default notice, scheduled foreclosure auction, or bank repossession. **Southern Jersey and Atlantic County are struggling particularly hard.** \[fa icon="clock-o"\] Friday, May 6, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) [Read More »](https://blog.amerihopealliance.com/blog/new-jersey-number-two-in-country-for-foreclosures) ## [New Jersey Foreclosure Trends for 2014](https://blog.amerihopealliance.com/blog/new-jersey-foreclosure-trends-for-2014) [![](https://blog.amerihopealliance.com/hs-fs/file-420654790-jpg/images/shadow-inventory.jpg)](https://blog.amerihopealliance.com/blog/new-jersey-foreclosure-trends-for-2014) From the election to the continued Sandy recovery efforts, 2013 was important for the future of New Jersey. 2014 promises to be an even more vital year for New Jersey's future. While the hot-button topic of last 5 years has been all about how New Jersey has dealt with new foreclosures, the hot-button topic in 2014 will be about how New Jersey deals with the aftereffects of the mortgage crisis. If New Jersey's people, government, and banks don't make the right choices, then it could spell a worse 2014 and beyond for everyone in the Garden State. \[fa icon="clock-o"\] Monday, December 23, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process) [Read More »](https://blog.amerihopealliance.com/blog/new-jersey-foreclosure-trends-for-2014) ## [3 Things You Needed To Know About New Jersey Foreclosures in 2013](https://blog.amerihopealliance.com/blog/3-things-you-needed-to-know-about-new-jersey-foreclosures-in-2013) [![](https://blog.amerihopealliance.com/hs-fs/file-402910618-jpg/images/jsersey-zombie-foreclosures.jpg)](https://blog.amerihopealliance.com/blog/3-things-you-needed-to-know-about-new-jersey-foreclosures-in-2013) It's hard to believe, but 2013 is already coming to a close. This has been quite an eventful year for New Jersey homeowners- especially because the events of 2012 have started a ripple -- or better yet, a wave of effects that lasted into 2013. For example: \[fa icon="clock-o"\] Monday, December 9, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process), [foreclosure defense attorney new jersey](https://blog.amerihopealliance.com/blog/topic/foreclosure-defense-attorney-new-jersey) [Read More »](https://blog.amerihopealliance.com/blog/3-things-you-needed-to-know-about-new-jersey-foreclosures-in-2013) ## [Free Offer: Download the New Jersey Foreclosure Timeline](https://blog.amerihopealliance.com/blog/bid/305936/Free-Offer-Download-the-New-Jersey-Foreclosure-Timeline) [![](https://blog.amerihopealliance.com/hs-fs/file-47559154/images/new-jersey-map-small.jpg)](https://blog.amerihopealliance.com/blog/bid/305936/Free-Offer-Download-the-New-Jersey-Foreclosure-Timeline) - What's the best thing to do immediately after getting a foreclosure notice? - How long does it take to foreclose on a home in New Jersey? - Are you completely ready to deal with the foreclosure process in New Jersey? If you can't confidently answer all these questions, then you should take a few seconds to download the New Jersy foreclosure timeline, especially if you think you may be at risk for foreclosure or are already within the foreclosure process. \[fa icon="clock-o"\] Tuesday, July 23, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process) [Read More »](https://blog.amerihopealliance.com/blog/bid/305936/Free-Offer-Download-the-New-Jersey-Foreclosure-Timeline) ## [Information Is Power, Learn About The New Jersey Foreclosure Process](https://blog.amerihopealliance.com/blog/bid/298881/Information-Is-Power-Learn-About-The-New-Jersey-Foreclosure-Process) [![](https://blog.amerihopealliance.com/hs-fs/file-70216387-jpg/images/new-jersey-flag.jpg)](https://blog.amerihopealliance.com/blog/bid/298881/Information-Is-Power-Learn-About-The-New-Jersey-Foreclosure-Process) If keeping your home is your goal when dealing with the [New Jersey foreclosure process](https://blog.amerihopealliance.com/blog/bid/280501/Understanding-the-New-Jersey-Foreclosure-Process), you've got to be proactive. There is a sharp contrast in the length of the foreclosure timeline between those those that jump right into the fight and those that are a bit slow out of the gate. Dealing with foreclosure can be overwhelming, considering that it is often yet another crisis in a series of unfortunate events. After all, most people facing foreclosure have been through some sort of financial, medical, or personal turmoil, and it is difficult to act when you're unsure of exactly what to do. However, in New Jersey, failing to act fast is risky; it can cost you your home. \[fa icon="clock-o"\] Monday, June 17, 2013 \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling) \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process) [Read More »](https://blog.amerihopealliance.com/blog/bid/298881/Information-Is-Power-Learn-About-The-New-Jersey-Foreclosure-Process) [All posts](https://blog.amerihopealliance.com/blog/all) [Next \[fa icon="angle-double-right"\]](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process/page/2) ### About this Blog Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes. [![Click to Read Our Super Loan Mod Success Stories](https://no-cache.hubspot.com/cta/default/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953) Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time. ### Subscribe to Email Updates - Popular - Recent - Topics ![feature image](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg) [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint) Published December 3, 2019 ![feature image](https://blog.amerihopealliance.com/hubfs/images/auction2.jpg) [What If Your Home Doesn't Sell At Foreclosure Auction?](https://blog.amerihopealliance.com/blog/what-if-your-home-doesnt-sell-at-auction) Published October 13, 2018 ![feature image](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg) [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) Published November 6, 2013 ![feature image](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg) [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Published June 18, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/padlocked-home.jpg) [What Do You Do If Your Bank Changes the Locks on Your House?](https://blog.amerihopealliance.com/blog/what-do-you-do-if-the-bank-changes-the-locks-on-your-house) Published October 19, 2016 ### Lists by Topic - 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