We May Be Able to Help You Avoid Foreclosure
The severe effects of having your home foreclosed are few. Your home is not merely a financial investment; it is also an emotional one. Consequently, The Law Offices of Kristen E. Johnson, Esq. will make every effort to allow you to keep your house.
You can frequently halt foreclosure by paying off the debts that originally caused it or by creating payment plans for them. We are particularly suited to address your real estate concerns and assist you in overcoming the debts that are negatively affecting your life since we have experience in both bankruptcy law and real estate law.
New Jersey Real Estate & Foreclosure Attorney
Kristen E. Johnson, Esq. handles all types of real estate legal issues. Whether you are entrenched in a landlord-tenant dispute or need assistance in negotiating a purchase, we can provide you with solutions that are tailored to your needs.
More Than 20 Years Of Real Estate Experience
Aggressive foreclosure defense is one of our areas of focus. We can assist you in assessing your situation, going over your alternatives, and coming up with potential solutions if you live in New Jersey and are in danger of losing your home to foreclosure or are considering defaulting on your mortgage. We will use the more than 20 years of business experience our attorneys and team have to safeguard your interests.
Why You Need A Foreclosure Lawyer Like Kristen E. Johnson, Esq.
As part of our real estate legal practice, Kristen E. Johnson, Esq. offers foreclosure defense services to homeowners throughout New Jersey. Due to our extensive knowledge of foreclosure laws, we can help you protect your rights and save your home.
You May Find the Foreclosure Process To Be Complicated
Complex defenses exist against foreclosure. Property owners can think their foreclosure was unfair, but often lack the knowledge or means to mount a case.
If the lender has neglected to follow important steps in filing the foreclosure action, a foreclosure defense lawyer from our firm will be able to help. Additionally, because our qualified lawyers are knowledgeable in real estate law, they will be able to advise the court of any errors the mortgage servicer made on your account.
Any defenses must be supported by legal knowledge of foreclosure proceedings.
We Let You Know What Your Options Are
If you are in mortgage default, a foreclosure defense lawyer can fight for your rights and suggest the best course of action. Our foreclosure defense attorney will handle all of that for you so you won’t have to do the reading, interpreting, math, and application of complicated rules. They’ll help you save time, avoid mistakes, and improve your chances of keeping your home.
Your alternatives may include filing for Chapter 13 bankruptcy, loan modification, loss reduction, or having your foreclosure attorney defend you in court.
Your best option for your foreclosure case can be determined by weighing the advantages and disadvantages of each alternative with the help of an experienced New Jersey foreclosure attorney.
Settlement Negotiations with a Bank or Mortgage Company
It’s possible that you won’t always have to fight off the lender’s foreclosure or lose your home. There may be opportunities for compromise under certain conditions. The homeowner must evacuate the property before the foreclosure defe nse attorney settles claims and engages in aggressive negotiation.
Your lender may give you two choices if you are having problems making payments on time: bringing the loan current or paying it off completely. Due to the typical lack of financial resources on the part of the property owner, these solutions are rarely chosen. But occasionally they are successful in raising the required funds.
You might be able to negotiate a quick payoff in some circumstances. This implies that while you will still be required to make a lump sum payment, it won’t be for the entire amount you owe. Regardless of the settlement choice you select, your attorney will negotiate on your behalf to secure the best possible alternative to foreclosure.
Helping With A Wide Range Of Real Estate Issues
Kristen E. Johnson, Esq. can assist you with a vast range of real property-related issues, including:
- Wrongful Foreclosure
- Title Issues
- Loan issues, including forbearance and modification
- Bank Fraud
- Constitutional Issues w/ Home Equity Lending
- Truth In Lending Act (TILA)
- Real Estate Settlement Procedures Act (RESPA)
- Consumer Financial Protection Bureau Regulations
- Builder and Construction Issues
- Contract Disputes
- Boundary and Easement Disputes
Let Us Deal With The Banks And Lenders
Working with financial institutions on your own might be difficult. In particular, if you don’t have a thorough understanding of the law to support you, you could feel helpless. But with a New Jersey real estate law expert by your side, you may feel assured that you are being handled fairly by your lender. We have also acted as creditors’ counsel in the past and are familiar with the most efficient methods for getting your debts settled.
You Could Settle Your Debts For Less Than You Owe
We frequently reach an agreement with your creditor to settle your debts for less than the amount you owe when you have liens on your property or are unable to make your payments. Ultimately, lenders and lien holders would prefer to have a partial payment of your obligation than no payment at all. Whether or not this is a viable choice for your situation is something we consider carefully.
Schedule Your Reduced-Rate Initial Consultation
In order for you to resume living your life, it is our intention to handle all of your real estate concerns. Our legal company is one of the few in New Jersey whose real estate expertise and attention to detail are as respected.
To make it simpler for you to begin working on your case, we provide consultations about your case. To make an appointment, give our office a call 732-477-4921, or contact us online for additional details.