Newark homeowners in foreclosure:

Learn How to Stop Your Foreclosure Today

Foreclosure help in Newark, NJ

What to do if you're struggling

If you are experiencing financial difficulties and own a home, there’s a good chance that bankruptcy and foreclosure are weighing heavy on your mind. You no doubt fear the implications of either process, and the notion that you may face both can be overwhelming. With your home and credit rating on the line, you may feel powerless to take control over your monetary situation.

At Ark Law Group, we understand there's a lot at stake, and our foreclosure bankruptcy attorneys have assisted many clients in tackling difficult financial hardships, helping them move on with life debt-free. Get in touch with us today for immediate help.

Your legal options in New Jersey

Bankruptcy carries the same negative connotations as foreclosure, but together, these two legal concepts may present advantages. An Ark Law Group bankruptcy attorney can tell you whether Chapter 13 or foreclosure mediation is right for you. Plus, we can explain the implications of other legal alternatives, including short sale, deed in lieu of foreclosure, or mortgage refinancing.

Chapter 13 bankruptcy

This debt reorganization plan allows you to keep certain property, including your home, as you pay off all or some of your debts over a period of 3-5 years. If you’re behind on mortgage payments, these can be rolled into the monthly payment that goes to your bankruptcy trustee. While you must still pay your mortgage going forward, you get a leg up on past obligations. A bank cannot seek foreclosure during the pendency of your case.

New Jersey foreclosure mediation

The New Jersey Court system has established a foreclosure mediation process that has helped many homeowners keep their homes. Mediation is simply a meeting between you and your lender, in the presence of a neutral third party mediator. The mediator works to facilitate communication and assist with negotiating a loan modification, so you can keep your home and go forward with new mortgage payment terms.

What you should know about foreclosure

Foreclosure is triggered by your inability to pay the agreed monthly payment on your mortgage, which reflects both principal and interest. After a few missed payments, the lender will take action to protect its security interest. You won’t lose your home immediately, as there are many legal requirements, tasks, and time limits with which the bank must comply. Still, with your home and credit history at risk, it’s critical to work with an experienced attorney as soon as foreclosure becomes a threat.

To hear more about bankruptcy, foreclosure, and ways you may be able to avoid both, please contact us today. Our knowledgeable lawyers can explain all available legal options, so you can make informed decisions about your financial future.

Happy couple in Newark, NJ

Foreclosure defense options available to you

Foreclosure Defense

Foreclosure Defense

We take on your bank or servicer and make it a fair fight.

Loan Modifications

Loan Modifications

You may be eligible to get your monthly payment lowered.

Short Sales

Short Sales

You can possibly sell your home without owing any more money.



You can potentially save your home and stop foreclosure.

Mortgage Litigation

Mortgage Litigation

If your lender committed fraud we can sue them for damages.

Foreclosure Sale Postponements

Sale Postponements

It's possible to postpone your sale date.

Relocation Incentive Programs

Incentive Programs

You can get paid to either move or sell your home.

Minimum foreclosure timeline in New Jersey

Find out what you can expect when faced with foreclosure

New Jersey foreclosure timeline

Day 0

Borrower misses first payment

Day 45

Lender can mail borrower a Notice of Intent to Foreclose

Day 75

Lender can record a Summons and Complaint. Complaint delivered to borrower. Borrower has 35 days to answer complaint, 60 days to request mediation

Day 110

Order of Default can be entered. Notice of Intent to File Final Judgment can be sent to borrower.

Day 120

Deadline for borrower to reply to lender and confirm intent to cure default

Day 165

Deadline for borrower to cure default. If no cure, Final Judgment can be entered. Writ of Execution can be sent to the Sheriff.

Day 185

Deadline for sheriff to schedule the sale. Sheriff needs to publish notice of sale for four weeks prior to sale. Sale can be postponed twice by sheriff in two week increments.

Day 213


Day 223

Deadline to redeem property or object to sale

We’ve helped over 2,300 homeowners get relief

Please answer a few questions to help us connect you with an
attorney specializing in your area.

We respect your privacy. By giving us your information, you agree to be contacted by Ark Law Group by phone at the number you provide. If you prefer, you may call 1-800-603-3525 during business hours for immediate service.

Meet our experienced team

Newark Foreclosure Attorney

Nadia Kourehdar

Managing Attorney
"My personal mission is to revolutionize the legal industry by making high-quality legal representation affordable for everyone."
Newark Bankruptcy Attorney

Kingston Bowen

Lead Associate Attorney
"My mission is to help borrowers navigate the system so they get the relief they need and deserve."
Newark Mortgage Attorney

Amanda Stewart Hause

Associate Attorney
"My mission is to advocate for borrowers who are being treated unfairly by their lenders, and help them find financial freedom."
Short sale approval
letters received
Mortgage Debt
Loan Modification
clients served

Ark Law Group results

We’ve been working hard to get meaningful results for clients like you

Trial Payment Plan
Trial Payment Plan
Burlington, NJ
March 23, 2017
Trial Payment Plan
Trial Payment Plan
Howell, NJ
May 6, 2017
Newark New Jersey Attorney

Testimonials from our New Jersey
loan modification and foreclosure defense clients

I am very thankful for having you on the short sale of my two properties. The diligence and professionalism of the staff that facilitated the process was excellent.
Cynthia R.
Jersey City, NJ
  • 100 Fastest Growing Companies
  • Avvo

Are you ready to see what Ark Law Group can do for you?