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5 Tips to Choosing the Best Foreclosure Lawyer in New Jersey

Searching for the Best Foreclosure Lawyer in NJ?

Here are 5 tips to choosing the best foreclosure lawyer for your situation.

best foreclosure lawyer nj

 

  • A Focus on Foreclosure: Be sure your lawyer is well-versed in loan modifications and bankruptcy law – specifically chapter 13 cases. The loan modification is the primary tool your lawyer should be focusing on. Chapter 13 bankruptcy, sometimes used in conjunction with a loan modification, is one of a handful of tools that are often used to save a home from foreclosure and get a loan modification when others not obtainable. A chapter 13 bankruptcy case is much more complex than a typical no-asset chapter 7 “Fresh Start” case.
  • Experience: Be sure your lawyer has been handling foreclosure cases at least since 2008 when the current foreclosure crisis hit. Handling foreclosure cases regularly and for at least 5 years will ensure your lawyer knows the latest changes in the law and will understand the various strategies that are available to save your home from foreclosure.
  • Bankruptcy Knowledge is Not Enough: Be sure your lawyer is not just a bankruptcy lawyer who will only offer you the option of bankruptcy. Bankruptcy is not the only way to save a home from foreclosure and all options should be explored fully – with loan modification being the first of those possible solutions to explore.
  • Beware of Scams: Beware of lawyers, usually from out-of-state, that want to charge you a large initial retainer of $2,000-$3,000, with a monthly retainer of $500-$700 while they negotiate a loan modification for you.  Many times, this is a scam.
  • Loan Modification Expertise: It is crucial that your lawyer understands the importance of loan modification as the primary tool for saving a home from foreclosure. Loan modification solves the root of the issue, and should be your strategy if you qualify for one. Bankruptcy should only be a backup or secondary tool. Consider these tips carefully when you are looking for the Best Foreclosure Lawyer for your situation.

 

Todd Murphy dedicates his practice to saving peoples’ homes from foreclosure with offices in Bedminster (near Somerville) NJ. 

 

Wondering What You Should Ask A Foreclosure Lawyer Once You Get One On The Phone?

Ask the right questions: avoid scams!

It can be difficult to know what questions to ask your foreclosure lawyer to make sure that he/she is well-qualified for the task of saving your home from foreclosure. We have the top 5 questions you need to ask a foreclosure lawyer to make sure that he/she is right for the job, and to make sure you are not being scammed.

Click the button below to get your 5 questions to ask your foreclosure lawyer before you hire them.

 

Get My Questions

 

 

 

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5 Tips to Choosing the Best Bankruptcy Lawyer in NJ

New Jersey Has Many Good Bankruptcy Lawyers.  How do you choose the Best Bankruptcy Lawyer?  Here are 5 tips.

Best Bankruptcy Lawyer NJ

  • Be sure your bankruptcy lawyer practices bankruptcy law primary if not exclusively. Bankruptcy law can be complex with many nuances. A good bankruptcy lawyer might handle 10 or 20 cases each month. Over five years, that can be about 1000 cases. A lawyer who dedicates most or all of his or her practice to bankruptcy cases will naturally know how to get your case prepared and filed correctly and get you the result you want.
  • Make sure your lawyer spends time with you interviewing you and asking specific and detailed questions about your financial situation and explains the law and process in detail before he or she recommends bankruptcy and specifically the type of bankruptcy that is right for your situation.
  • Beware of low-priced bankruptcy lawyers. Bankruptcy, when done correctly, requires a very careful analysis of a vast amount of detailed financial information. Therefore, it is very time consuming. A low-priced lawyer may be a sign your lawyer is going to cut corners on your case.
  • Ask for a written fee agreement and be sure there are no hidden charges. Also, be sure your lawyer is handling your entire case for the quoted fee not just preparing the petition then charging you extra for parts of the case that other lawyers include in their fee.
  • Your lawyer’s experience can make all of the difference. Be sure your lawyer has at least 5 years of experience primarily practicing bankruptcy law.

Todd Murphy is a foreclosure, collection defense, and bankruptcy lawyer with offices in Bedminster (near Somerville) NJ.

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What Our Clients Say About Us at Todd Murphy Law

We are so happy to be debt free: Thanks Todd Murphy Law!

Most people search online when they need a lawyer but how do they know the lawyer they found online will be able to help them? Reviews have become the most important tool to evaluate someone.

Another way is to review all of the information on a website to see if the lawyer has written helpful articles that demonstrate not only his command of the subject matter but also his willingness to share information that can help people whether or not they ever become a client.

After you have reviewed the many informative articles here on our website and read what our clients say about us here, see our other reviews on Google: https://g.page/r/CYXtyPqKajaIEBA

Here are just some of the things we hear the most. What Our Client Say About Us.

 

 

“I feel like an enormous weight has been lifted from my shoulders.”

– A. Rodriguez, Newark, NJ

“Thank You Mr. Murphy for taking the time to care about our situation.”

– R. Colon, East Orange, NJ

“I was worried bankruptcy was going to ruin my chances to ever get credit again.

You explained to me how I would be able to rebuild my credit within two years

and after only one year, I am already seeing an improvement in my credit score.

Thanks!!”

– M. Scalionno, Irvington, NJ

“You really explained everything to us so we could make the right decision.”

– E. Dunn, Elizabeth, NJ

“It was a lot of work to get this done but now that it is over, we feel great!”

– J. Corr, Maplewood, NJ

“Thanks for making your fees affordable and waiting

for us to make payments.  I don’t know how anybody

could ever file for bankruptcy without being able to

pay the fee over time.

With love.”

– A. Fitzgerald, Newark, NJ

Those are just some of what our clients say about us.

We are so happy to be debt free: Thanks Todd Murphy Law!

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Bedminster Office

bedminster-office-photo

Todd Murphy Law

Here are directions and contact information for our Bedminster, NJ office location.

Suburban Office
Todd Murphy Law
90 Washington Valley Rd
Bedminster, NJ 07921
800-285-1925

Directions to
Bedminster Office
By Road:

From the North

  • Take Route 287 South To Exit 22 – Bedminster/Pluckemin
  • Take jug handle to 202/206 South.
  • At 3rd light, make left onto Washington Valley Rd.
  • Go 1/3 mile and make right at the Verizon Wireless sign.
  • Make 1st right into the parking lot (marked 90 Washington Valley Rd.).
  • We are the one story building in front of Verizon Wireless.

Also From the North

  • Take Route 202-206 South, Pass Route 287, pass ‘The Hills’ shopping plaza on your left.
  • At next light, make left onto Washington Valley Rd.
  • Go 1/3 mile and make a right turn at the Verizon sign.

From the South:

  • Take I-287 north to Exit 22A, Follow directions above

From Newark Airport:

  • Take I-78 West to I-287 North, follow above directions