Did you lose money in the stockmarket?
Is DYFS in your life?
Have you been convicted of a crime and want to appeal?
Read through our services. Maybe we can help.
CHECK OUT SERVICES TO SEE SOME OF THE FORECLOSURE ACTIONS WE GOT DISMISSED!
Do you know about The New Jersey Home Keeper Program?
Are you a New Jersey homeowner and you, you, your spouse, or civil union partner, through no fault, decision or personal circumstance of your own:
Became unemployed which caused you to fall behind on your mortgage and you are receiving or are eligible to receive unemployment ompensation benefits and may have at least 12 more weeks of benefits ning?
Your income fell 25% or more which caused you to fall behind on your mortgage?
While you have stayed current with your mortgage payments thus far, your income has dropped and you have not yet regained enough income or have other resources to continue paying on time for much longer?
After suffering a drop in income, you have since regained enough income to pay the mortgage but you need help covering the arrearages that accumulated during the unemployment or underemployment period?
If you answered yes to any of the above questions, and your home is your primary residence, you purchased it before January 1, 2009, it is a one or two unit residential property, you owe less than $429,619 in total mortgage debt for a single unit or $550,005 if a two unit, your monthly mortgage payment includes principle, interest, taxes and insurance, you were current (no more than one 60-day late payment) on your mortgage payment for at least one full year up until the point you became unemployed or underemployed, your home is the only real estate that you own, you are not in bankruptcy, and you do not have at least three months worth of mortgage payments in savings or other resources, not including retirement and educational investment accounts, then you may qualify for assistance from The New Jersey Home Keeper Program. Click on this link:
Keep up to date
Foreclosure activity is on the rise again in New Jersey.
The Patient Protection and Affordable Care Act
What you should know about it!
The goal of the The Patient Protecction and Affordable Care Act ("PPACA"), also known as OBAMACARE, is to decrease the number of uninsured Americans and reduce the costs of health care. It requires that health insurers offer the same premium to all applicants regardless of sex or pre-existing conditions with an exception for tobacco use.
The commonly called Individual Mandate section of the PPACA requires, with some exceptions, all persons not covered by an employer sponsored health plan to buy their own health insurance.
If you are an employer of 50 or more persons you must offer health insurance or pay a penalty.
Federal subsidies are available for low income families.
Go to http://www.healthcare.gov/ for more information and for help in finding health insurance for you, your business or your family.
ARE YOU IN FORECLOSURE?
The Making Home Affordable Website is Must Reading for You even if your lender is not a HAMP participant!
Go to this link:
Do you live in New York City:
Do you know that New York City requires mortgagees to notify New York City's Department of Housing, Preservation and Development within fifteen days when they commence or discontinue a mortgage foreclosure action against any residential property in New York City. Notification is also required when mortgagees receive a judgment in a foreclosure action; sell the foreclosed property; or if a receiver is appointed.
Federal Government & Attorneys General reach landmark settlement with major banks
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The Mortgage Debt Relief Act of 2007 generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualifies for the relief.
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DO YOU QUALIFY FOR A SHORT SALE?
If you can prove financial need, you might be able to get a fresh start by way of a short sale of your home. A short sale is the term used when homeowners sell their home for less than they owe on the mortgage but the lender agrees not to hold the homeowner responsible for the deficiency. The Federal Housing Finance Agency (FHFA) promulgated new regulations to help speed up the process.
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