Feeling overwhelmed by foreclosure? You’re not alone — and there’s a way forward.
At My Foreclosure Option, we help New Jersey and Florida homeowners navigate pre-foreclosure, lis pendens, and foreclosure 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 and Florida
Whether you’re in New Jersey or Florida and have received a Notice of Default, a Lis Pendens, or a foreclosure sale / sheriff sale date, you still have rights — and time to act.
1. Pre-Foreclosure & Notice of Default
Pre-foreclosure begins when you’re behind on mortgage payments but before the property is sold at a sheriff or foreclosure sale. In both New Jersey and Florida, lenders must follow specific legal steps and send required notices before a sale can occur. During this stage, you can still explore options like loan modification, forbearance, repayment plans, refinance, or a short sale.
2. Lis Pendens Filed & Lawsuit Started
A lis pendens (“suit pending”) is a public notice that a foreclosure lawsuit has been filed against your property. In judicial states like New Jersey and Florida, this is a key turning point. You generally have a limited window to respond, negotiate, or seek legal help before the case moves toward judgment and a scheduled sale.
3. Judgment & Sheriff Sale / Foreclosure Sale
After a final judgment of foreclosure, the home may be scheduled for a sheriff sale (in NJ) or a foreclosure sale (in FL). Homeowners may still have options such as requesting limited adjournments or postponements, pursuing emergency loss-mitigation with the lender, or exploring last-minute solutions to avoid or delay the sale.
4. Protecting Your Future in NJ or FL
Even late in the process, it may be possible to reduce damage to your credit, avoid a deficiency balance, or leave on your own terms. The sooner you understand your timeline and state-specific rights in New Jersey or Florida, the more options you typically have.
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Common Questions from New Jersey and Florida Homeowners
Honest, plain-English answers to the most common questions we hear from homeowners in New Jersey and Florida who are in pre-foreclosure, have a lis pendens, or are facing a sheriff or foreclosure sale.
What is pre-foreclosure in New Jersey or Florida?
Pre-foreclosure is the period after you fall behind on mortgage payments but before the property is sold at a sheriff or foreclosure 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 or foreclosure sale?
In many cases, homeowners in New Jersey and Florida may be able to request limited adjournments or postponements of a sheriff or foreclosure 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 and Florida?
My Foreclosure Option focuses primarily on New Jersey and Florida foreclosure situations, but in some cases may be able to connect homeowners in other states with resources or trusted partners. If you are outside NJ or FL, 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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