We can help you stop foreclosure while you seek a loan modification. From our offices near Readington, clients throughout New Jersey obtain relief from the threat of foreclosure, obtain loan modification, and begin the road to financial recovery.

Times remain tough for tens of thousands of New Jersey residents. The longest recession in American history has caused an historically sluggish recovery in employment. Millions of Americans remain un- or under-employed. The Affordable Care Act, with high-deductible policies the only option for many Americans, offers insufficient protection against overwhelming medical costs, causing late mortgage and credit card payments and defaults.

If you’ve fallen behind on your mortgage or credit cards, it’s vital to act as soon as possible. Negotiation with creditors and lenders is more effective the sooner it begins.

Act now, before it becomes too late to save your home.

Stop Foreclosure

Todd Murphy will notify your creditors immediately to stop collection and stop foreclosure action, creating a grace period to obtain loan modification and restructure your debt.

Loan Modification

Many banks still make loan modification difficult. Preparing an application is complex and confusing. Banks will reject applications for insignificant errors. Qualifying is not an easy process. The help of an attorney can make the difference between success and failure.

Bankruptcy Lawyer

Todd Murphy, a prominent Somerville bankruptcy lawyer, has acquired the know-how necessary to act effectively on behalf of your consumer interest in dealing with financial institutions.

Readington

From his office in Bedminster, nearby Readington, Todd serves clients statewide.

New Jersey

New Jersey is a “Judicial State” in the foreclosure process, meaning that a foreclosure must proceed through the courts. Todd Murphy, an experienced, qualified bankruptcy lawyer, knows how to obtain maximum advantage for his clients at every step of the way.