Feeling overwhelmed by foreclosure? You’re not alone — and there’s a way forward.
At My Foreclosure Option, we help New Jersey homeowners navigate pre-foreclosure, lis pendens, and sheriff sales with clarity and compassion.
Real People. Real Hope.
Every homeowner’s story is different — but no one deserves to face it alone. These are real experiences from people who found clarity, options, and peace of mind with My Foreclosure Option.
“I thought I’d lose my home. My Foreclosure Support helped me understand my rights and find a new path.”
“I was three months behind and panicking. Izabela helped me talk to my lender, create a plan, and save my home.”
Understanding Your Options When Facing Foreclosure in New Jersey
Whether you’ve just received a Notice of Intent to Foreclose, a Lis Pendens, or your Sheriff Sale date, you still have rights — and time to act.
1. Pre-Foreclosure & Notice of Default
Pre-foreclosure begins when you’re 30–60 days behind on mortgage payments. In New Jersey, your lender must send required notices before starting a judicial foreclosure. During this stage, you can still explore loan modification, forbearance, repayment plans, or a short sale to avoid escalation.
2. Lis Pendens Filed & Complaint Served
A lis pendens (“suit pending”) is a public notice that your lender has filed a foreclosure lawsuit. Once you’re served with the complaint, you typically have a limited window to respond, negotiate, or seek legal guidance before the case moves toward judgment.
3. Judgment & Sheriff Sale
After a final judgment of foreclosure, the property may be scheduled for a sheriff sale. New Jersey homeowners often have options such as requesting adjournments, pursuing emergency loss-mitigation, or exploring last-minute solutions to avoid or delay the sale.
4. Protecting Your Future
Even if a sale date is approaching, you may still be able to reduce damage to your credit, avoid a deficiency balance, or transition on your own terms. The sooner you understand your timeline and rights, the more options you typically have.
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Common Questions from New Jersey Homeowners
Honest, plain-English answers to the most common questions we hear from New Jersey homeowners in pre-foreclosure, lis pendens, or facing a sheriff sale.
What is pre-foreclosure in New Jersey?
Pre-foreclosure is the period after you fall behind on mortgage payments but before the property is sold at a sheriff sale. During pre-foreclosure, your lender may send notices and add late fees, and may eventually file a foreclosure lawsuit. This is often the best time to explore options like loan modification, repayment plans, forbearance, refinance, or selling the home on your own terms.
What does a lis pendens mean for my home?
A lis pendens is a public notice recorded in the county land records that there is a foreclosure lawsuit pending against your property. It does not mean you have already lost your home, but it is a serious warning sign that the process is moving forward. You still have time to respond, negotiate, or seek help — ignoring it usually makes things worse.
Can I stop or delay a sheriff sale in New Jersey?
In many cases, New Jersey homeowners may be able to request limited adjournments of the sheriff sale date, work out last-minute loss-mitigation with the lender, or explore other legal and financial options. Every situation is different, so it is important to act quickly and get personalized guidance about your timeline and rights.
Do you only help homeowners in New Jersey?
My Foreclosure Option primarily focuses on New Jersey foreclosure situations, but in some cases may be able to connect homeowners in other states with resources or trusted partners. If you are not in New Jersey, you can still reach out to see what support or referrals may be available.
Does it cost anything to talk to you?
Initial conversations through MyForeclosureOption.com are free and confidential. The goal is to help you understand where you stand in the process, what your options may be, and what questions to ask next, without pressure or judgment.
Will getting help hurt my credit or make things worse?
Simply talking to someone about your options does not hurt your credit. Ignoring the problem, however, can lead to more late payments, fees, and legal costs. Understanding your options early can often reduce long-term damage to your credit and give you more control over what happens next.
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