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244 State Hwy 94, Vernon, NJ 07462
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Trusted Law Firm Helps Wanaque Residents in Bankruptcy and Foreclosure

Accomplished New Jersey attorney advocates on behalf of clients in debt

If you have chosen Wanaque as the place to call home and raise a family, the thought of losing your house due to crushing debt can be devastating. At the Law Offices of James C. Zimmermann in Wayne and Pompton Lakes, we help homeowners find legal solutions to their financial troubles. Our firm is well-versed in bankruptcy and foreclosure defense and has a lengthy record of accomplishment in these areas.

Experienced counsel defends Wanaque homeowners from foreclosure

With extensive experience advising clients on foreclosure avoidance, we can help with strategies such as:

  • Mortgage modification — A mortgage company may agree to change your interest rate or payment period if you prove capable of meeting new terms during a trial period.
  • Forbearance — If you’re experiencing a temporary hardship such as a medical problem or loss of a job, a mortgage lender may let you delay or reduce your payments for a certain number of months.
  • Short sale and deed in lieu — These options exist for homeowners who owe more on their mortgage than their home can fetch on the market. If the mortgage holder agrees, you may sell the property for less than the outstanding loan and so resolve your debt without foreclosure.
  • Mediation — If your lender files a foreclosure complaint, you may be eligible to apply to the New Jersey Judiciary Foreclosure Mediation Program, which prevents a sheriff from selling your home while you attempt to work out a payment plan with your lender.

We provide full and responsive legal support to clients facing foreclosure. Our goal is to provide security and peace of mind while we resolve the legal issues about the fate of your home.

Knowledgeable attorney represents clients in bankruptcy hearings

Few things weigh heavier than debt. Though bankruptcy can be the best option for some individuals, different debt relief options are better for others. We thoroughly explain the requirements and consequences of bankruptcy and guide clients through every step of the legal process involved. We help you determine if filing for Chapter 7 (liquidation) or Chapter 13 (wage earner’s plan) would be the best bankruptcy choice for you. We will also analyze which of your debts are eligible for discharge and what long-term effects you can expect from a bankruptcy filing. We meticulously prepare and review the necessary paperwork and provide proficient representation before the U.S. Bankruptcy Court in Newark.

Contact a qualified New Jersey bankruptcy and foreclosure defense attorney

We take pride in helping Wanaque-area residents get back on their feet. To speak with an experienced bankruptcy and foreclosure defense attorney, contact the Law Offices of James C. Zimmermann today. You can call us at 973-764-1633 or contact us online to schedule a free initial consultation. In addition to our nearby Pompton Lakes office, we have outposts in Wayne, Vernon, Hackensack and Nutley.