Foreclosures Attorney in Northern, NJ

Foreclosures Attorney in Northern, NJ

Deborah L. Pico - Attorney At Law

We represent both Lenders and Borrowers with regard to foreclosures, and we also represent prospective purchasers of foreclosed properties. Hard Money Lenders and traditional banking institutions have been our clients through the years, and we have handled many foreclosure matters.

If you or your company acted as a Lender, and your Borrower has refused to pay and defaulted, our experienced attorneys can help you with the Foreclosure on the Mortgage and a lawsuit for the Promissory Note. Oftentimes, it is a good tactic to institute suit on both the Note and the Mortgage at the same time. While you have a secured Mortgage and can use the asset to recover the money owed to you, there are certain damages that you may have suffered that cannot be recovered in the Foreclosure matter. If that is the case, we will recommend that you also institute litigation on the Promissory Note to try to recover the rest of your damages. Our experienced attorney will guide you through the process, and will also make recommendations, where appropriate, to possibly update or modify your Lender documents to avoid any pitfalls in the future.

If you are being foreclosed upon, we aggressively act to protect our clients from being victimized by foreclosure. We employ the legal strategies available to keep our clients in their homes and try to prevent the lender from foreclosing. Our skilled attorneys and professional effectively leverage our experience and knowledge of the law to craft an individually customized strategy for each specific client. In the right circumstances, we can file a counter suit against the lender seeking compensation for damages caused by the lender for all types of legal violations, such as violations of Predatory Lending, Consumer Fraud Act, Truth in Lending Act, Fair Debt Collection Practices Act, Uniform Commercial Code, Breach of Contract, Fraud and/or Misrepresentation.