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Mr Zimmerman was helpful and kind and prompt . He always answers his phone and that is refreshing . I will be using him for my bankruptcy in the future. He is one of the good ones . He is an outstanding attorney who truley care . He made ev...
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Mr. Zimmermann is a fantastic bankruptcy attorney who handled my case with care, efficiency and urgency. We were able to beat a judgement against me in the nick of time, and I truly feel a sense of relief due to the services of Mr. Zimmerma...
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This Lawyer will go above and beyond for you. As well as show tremendous empathy for those who are vulnerable and scared. His compassion to help civilian's shows through his actions and with his word. When he says he is going to call he cal...
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I’ve worked with Mr.Zimmerman on two different legal issues. In both instances he was fantastic! He is extremely knowledgeable and compassionate and able to breakdown a course of action into language anyone can understand. I would highly re...
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I highly recommend Mr. Zimmermann as an attorny. I recently purchased an investment property and boy was he helpful. He was easily available, very clear in explaining various concepts, laws and regulations, and provided very helpful tips o...
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- posted: Sep. 29, 2025
There are few things more traumatic than the forcible removal from one’s home. One reason this occurs is because homeowners are unable to keep up with their mortgage payments. Currently, North Jersey is seeing a clear uptick in foreclosure activity in 2025 compared to 2024. Of 12 counties surveyed in the New York metro area, 10 have recorded year-over-year increases.
Some counties have experienced a particularly dramatic spike in foreclosures, including Morris (50 percent), Sussex (37 percent) and Bergen (30 percent). While this is not 2008 all over again, the trend is meaningful—and there are identifiable reasons behind the rise, such as:
High homeownership costs — North Jersey has some of the highest real estate prices in the country, making it difficult for someone who might want to reduce their housing costs but remain in the area. Property taxes, utility expenses and repair costs also continue to increase, making it more difficult for some families to make their mortgage payment, especially if they experience a job loss or some other type of temporary financial setback.
Limited refinancing options — Though interest rates might be starting to inch lower, many people who secured an ultra-low rate several years won’t benefit by refinancing. There are also homeowners who took out adjustable-rate mortgages or mortgages with higher fixed rates, expecting that costs would soon drop significantly, and they have not.
Aftermath of pandemic-related relief — Forbearance plans and temporary loss-mitigation programs that helped many borrowers stay afloat during and slightly after the COVID-19 pandemic have ended. It’s now business as usual for foreclosures, and the numbers might be increased due to proceedings that were on hold over the past few years.
Regardless of the specific reason, if you’ve fallen behind on mortgage payments, you might be able to save your home if you act promptly and consult an experienced foreclosure defense lawyer. Sometimes, it just takes a skillful negotiator who can work out terms that better fit your current circumstances. In other situations, Chapter 13 bankruptcy could be the best path forward. You might also be protected against foreclosure because your financial institution failed to follow New Jersey’s strict laws on the subject.
The Law Offices of James C. Zimmermann handles all types foreclosure defense matters for North Jersey homeowners. Please call 973-764-1633 or contact us online for a free consultation to discuss your situation and options. Our five North Jersey offices are in Vernon, Wayne, Pompton Lakes, Hackensack and Nutley.
