What this document is
A letter from your lender required by the New Jersey Fair Foreclosure Act before it may file anything in court. It states how much you are behind, how to bring the loan current, and where to get help. It is a warning shot, not a lawsuit: no case exists yet.
Your clock
The lender must wait at least 30 days after this notice before filing a foreclosure complaint. In practice many wait longer, but treat 30 days as your window.
What to do this week
- 1
Read the stated arrears figure and check it against your own records; errors in an NOI can matter later.
- 2
Call your servicer’s loss mitigation department and ask for a loss mitigation application. Applying now, before a case exists, is when approval odds are best.
- 3
Talk to a free HUD-approved housing counselor this week. They know the paperwork and cost nothing.
What is still possible
Everything. Reinstatement, modification, forbearance, repayment plan, refinance, any kind of sale, and Chapter 13 are all fully available at this stage. This is the widest your options will ever be.
Two minutes of questions tells you which of these options actually fit your numbers and your timeline.
See My Options, FreeEducational information, not legal advice. Deadlines reflect New Jersey law generally; your case may differ, and a licensed New Jersey attorney can confirm what applies.