ARE YOU SCARED OF LOSING YOUR HOME? CALL US TO SAVE YOUR HOUSE - FREE CONSULTATION

FACING FORECLOSURE? BEHIND ON PAYMENTS? ARE BANKS THREATENING TO KICK YOU OUT? WE CAN HELP

MOST HOMEOWNERS "FREEZE" AND LOSE BY DEFAULT
94% OF HOMEOWNERS QUIT BEFORE THE FIGHT EVEN BEGINS
Only 6% of Homeowners File an Answer
and Fight Foreclosure
From Linda E. Fisher [Professor of Law, Seton Hall Law School], "Shadowed by the Shadow Inventory: A Newark, New Jersey, Case Study of Stalled Foreclosures and Their Consequences, 4 U.C. Irvine Law Rev. 1265, 1270, fn 31 (Dec. 2014), available at https://scholarship.law.uci.edu/ucilr/vol4/iss4/7/.

Interview with Kevin M. Wolfe, Assistant Dir. of the Civil Practice Div., N.J. Admin. Office of the Courts, Trenton, N.J. ( July, 2010); see also 13B JOHN A. CELENTANO, JR. ET AL., NEW JERSEY PRACTICE SERIES, REAL ESTATE LAW AND PRACTICE §§ 41, 41.1 (2d ed. 2002). 
Foreclosure Options
Modification
Struggling to get a modification approved?  Getting the runaround?  We can help get your loss mit package processed and get the options you qualify for on the table.


Loan Mod Timeline

Refinance
Just because you are in foreclosure doesn't mean that getting a new loan is off the table.  Most homeowners never try to capitalize their arrears through a refi.





Refinance Out of Foreclosure

Short Pay
Is your mortgage underwater?  If you can pull the funds together, you may be able to pay off the debt for less than face value.  We can help negotiate to get you out of debt for less.

Short Pay - Getting Your Note Stamped "Paid-in-Full" for Less Than What You Owe

Short Sale
Is your mortgage underwater? That is just as big of a problem for the bank as it is for you. If you want to move on and cut your losses we can help get a short sale approved and closed.




Short Sale - Is It Right For You?

Ready? Give us a call & learn your options!

How to Draft an Answer to the Foreclosure Complaint

Foreclosure Litigation Timeline
Why it is so important to... 
ANSWER THE FORECLOSURE COMPLAINT!

What Foreclosure is Like... 
AND WHY YOU SHOULD FIGHT TO KEEP YOUR HOME!

How to Choose a NJ Foreclosure Attorney

Hear What Clients Are Saying...

Loan Mod

Successful Loan Modification
Got us out of covid-19 Forbearance
& Stopped Foreclosure

"John Fazzio and his team gave us hope when we went to them with questions about applying for a loan modification. Due to the pandemic our mortgage went into forbearance while we juggled stressed incomes, a lost job and health care costs. In February of this year we decided we needed to get back to making payments, if we could afford it, so we called Mr. Fazzio for advice. He was very knowledgeable regarding our options and offered to help us apply for a loan modification with Kimberly Protocollo taking the lead on our application. Kimberly made sure our loan administrator and bank knew we had professionals supporting us who understood the nuances of the bank application and process. She clearly outlined the necessary documents we needed to provide, set deadlines and made sure everything was complete. She was easy to talk to regarding our questions and concerns and she let us know when the application was received, when we could expect a response and checked in on processing, relieving us of an incredible amount of stress. We could hardly believe it last week when our mortgage company (within a month of submitting our application) offered us an adjusted interest rate that we gladly accepted. We can’t thank Kimberly and John enough for helping our family through this challenging time. They put the interest of our family first. Without hesitation we highly recommend Fazzio Law Offices."
Mary

Litigation

Successful Foreclosure Litigation
Got Me Out of Foreclosure

"Facing foreclosure I found myself searching for representation that would bring this very uncomfortable period in my life to a close and have the least negative ramifications to my family. I interviewed close to a dozen attorneys and their firms, most of which either tried to “hard sell” me or were not willing to listen to my particular circumstances or both. Then I had the pleasure of speaking with Mr. Fazzio. It was clear from the moment I called that he truly cared about the details of my case and was not providing a canned response to my plight, nor did I feel pressured at any time. Mr. Fazzio took the time to explain, in detail, the many nuances involved in litigating this type of case and explained the various outcomes that could be achieved. It is a rare thing to find a compassionate, educated and driven person like this. I also worked with his team and they were, as expected, equally impressive. Given his depth of knowledge, experience and understanding I would highly recommend Fazzio Law to anyone who finds themselves in this type of situation. For the record the Fazzio Law team is still working on my case. On all rating levels I give Fazzio Law an excellent rating."
Tim

Short Sale

Successful Short Sale
Got us out of Foreclosure Litigation
& Closed Our Sale

"I never thought that one day I would be in a Foreclosure, in a nightmare and no where to turn......and then I found Fazzio Law and I felt safe and confident that there would be a ray of light ahead. Words cannot express my deepest gratitude to John Fazzio and his staff for taking on my very very complicated situation. In meeting with John he listened to my personal situation and was very honest and was able to come up with a plan of action to help me conquer the Foreclosure Lawsuit. He informed me every step of the way via email or phone contact. On his first hearing before the Judge, WE WON!!!!! The road ahead was difficult for me, very emotional, I was divorced, with 2 children to raise, leaving a house that was in my family since 1929, and knew it had to be a Short Sale. I got through this ordeal and have closed on my house only because I had a wonderful legal team. John Fazzio and associates, Kudos to Mike Timpone, Rebecca Cicala, Catherine Morris, Zoltan Simon, and especially Zubin Haghi who spent many months, endless phone calls and emails to help me get to a positive conclusion to a very difficult situation. They tell you like it is, they tell you what you need to know, not what you want to hear. I definitely endorse this Law Firm!! Now I can rest easy and enjoy the New Year ahead........dreams do come true!"
Ellen
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