Free · Private · Printable
Enter your dates and get a one-page plan with YOUR deadlines in order — built to live on the refrigerator. Everything happens in your browser; your dates are never sent to us or anyone else.
Build your plan
Everything happens in your browser — these dates are never sent anywhere, to us or anyone else.
My Battle Plan
One page. In order. On the fridge.
Made September 17, 2026 · njforeclosureguide.org
| This week | Call the servicer: "loss mitigation" — request the application One free call opens modification, forbearance and repayment plans. Note the date, name, and reference number. |
| This week | Book a free HUD-approved counselor 800-569-4287 or hud.gov. Free by federal design; they assemble the whole package with you. |
| This week | Three numbers on one page: home value · total owed · amount behind These decide which of the 7 options fit. Free math: njforeclosureguide.org/tools/net-proceeds |
| 35 days from the day you were served | FILE YOUR ANSWER — enter your served date above for the exact day njcourts.gov forms · LSNJ 1-888-576-5529 (free if income-qualifying). |
| Always | Pay no one upfront. Sign no deed. Stay in your home. Upfront fees for foreclosure relief are generally illegal. You have the right to live in your home through the entire court process. |
Free counselors
800-569-4287
Free legal (income-qual.)
1-888-576-5529
Everything free
njforeclosureguide.org
General education, not legal advice. Deadlines computed from the dates you entered using standard NJ rules (35-day answer, adjournment practice, 10-day redemption) — your own court documents control your actual dates. Confirm with a licensed NJ attorney or a HUD-approved counselor. No promises about the outcome of any 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.