Every Resource, One Page

Free 2-minute assessment

Six questions that rank all seven options against your situation, timeline and goals.

NJ foreclosure timeline tool

See every stage from first missed payment to sheriff sale, and which options remain open at yours.

Net proceeds calculator

Three numbers show what you would walk away with from a market sale, a cash sale, or catching up and keeping the home.

Deadline date calculator

Pick the newest letter you received and its date; see the estimated deadlines that flow from it under New Jersey law.

All 7 options, compared

One honest table: keep the home or not, speed, cost, credit impact, and when each option stops working.

Foreclosure letters, decoded

Every document in the order it arrives, from the Notice of Intention to the writ of possession: what it means, your clock, and what to do that week.

The NJ foreclosure glossary

Every term from court papers and phone calls, defined in two plain sentences.

Questions, answered

Direct answers to the questions New Jersey homeowners actually ask.

Renting a home in foreclosure

NJ tenants generally cannot be evicted just because the landlord was foreclosed. Your rights, and the pressure tactics to refuse.

Surplus funds after a sale

Auction money above the judgment belongs to you and sits with the court until claimed. How to claim it.

Spot a foreclosure rescue scam

Seven red flags, what New Jersey and federal law prohibit, and where to report one. Read before signing anything.

The Survival Kit: Checklist + 45-Day Playbook (PDF)

Two printable downloads: the week-one one-pager and the day-by-day 45-day plan with worksheet. Free, no email required.

Your Command Center

Three answers — stage, county, goal — and the page assembles your personal dashboard: deadlines, county rules, free help, best plays.

The Visual Document Decoder

Tap the sample that looks like the letter in your hand; get the plain-English answer in ten seconds.

The NJ Foreclosure Map

All 21 counties on one tap: sheriff sale contacts, official listings, and the free local orgs — every fact verified.

The Case Map (interactive)

Tap where you are on the foreclosure line and see what’s true right now, which doors are open, and your free moves.

My Battle Plan (printable)

Enter your dates, print a one-page personal plan with your exact deadlines. Nothing leaves your browser.

Myth Busters (60-second game)

Twelve things everyone gets wrong about NJ foreclosure. Call myth or fact; the myths cost real money.

The Cost of Waiting meter

Drag the slider and watch what doing nothing costs: fees stacking, doors closing, equity leaking.

Guía en español

Sus derechos, las 7 opciones, sus cartas explicadas y cómo detectar estafas, todo en español.

Sheriff sale directory, all 21 counties

Where your county publishes sale listings, verified office contacts, and how adjournments work.

Foreclosure help by county and town

How the process runs through your county courthouse, and local answers for 120+ NJ communities.

Reach your mortgage servicer

Verified loss-mitigation phone numbers and hardship-application links for the 15 largest servicers.

NJ foreclosure statistics

What is actually happening in 2026, with a citation on every number.

The Guide Blog

Dated, sourced articles: the 2026 filing numbers in context, the first 90 days week by week, the adjournment playbook, and more.

The complete guides

Loan modification, forbearance, refinancing, short sale, Chapter 13, cash sale and equity refinance, each explained end to end.

Eighteen realistic scenarios

Illustrative walkthroughs of how different situations play out, including the hard ones.

Commercial property owners

A separate path for multifamily, mixed-use, retail, industrial, office and land: how the process differs, seven exit paths, and a confidential assessment.

Where to get help

Every destination we recommend, compared side by side, with our compensation (none, one disclosed exception) stated on each.