Bergen County, New Jersey
The free help that actually serves Bergen County: legal aid in Hackensack, 2 HUD-approved housing counselors in the county, the county's emergency assistance office, and where your case will be heard.
Free legal aid
Northeast New Jersey Legal Services, Bergen County officeHackensack · (201) 487-2166
Free foreclosure defense if you meet the income rules; call before your 35-day answer deadline.
HUD-approved housing counseling
Statewide, also free: the NJ Courts Foreclosure Mediation Program and HUD's counselor line, 800-569-4287. None of these organizations pays us. Checked October 5, 2026; call ahead, as offices and hours change.
Bergen County sheriff sales: the official list and how sale day works →
The market reality: Bergen demand is deep and constant — homes in Hackensack, Teaneck, Garfield, and Lodi attract multiple offers in nearly any market. For a homeowner in default, that is leverage: cash buyers compete here, market sales close reliably, and there is rarely a good reason to accept the first unsolicited offer that arrives in the mail.
110 were on the official list as of Nov 2, 2026, with the next sale date on Nov 6, 2026. The most listings were in Teaneck (8), Hackensack (6), Cliffside Park (5). Our county sheriff sale page has the official list and how sale day works.
Educational information, not legal advice. A licensed New Jersey attorney can confirm what applies to your case.
Independent, and paid by nobody
We take no referral fees, no commissions, and no advertising money from anything on this site. Every cash buyer, nonprofit and government program listed is independently owned and operated with no connection to us. The one exception is Corcoran Sawyer Smith x Builders Resource Center, a brokerage the people behind this guide have an ownership interest in, which is labeled as a related business everywhere it appears so you can weigh it accordingly.
help@njforeclosureguide.orgWe read every message and reply within one business day.
290 W Mt Pleasant Ave, Suite 2210, Livingston, NJ 07039By appointment only.
Free, no obligation, nothing to sell you. We are not a law firm, a lender, or a real estate brokerage, and nothing here is legal advice.