Mortgage Modification in New Jersey
You are not alone. Every day, people just like you — good people going through a hard time — call our office. We do not judge. We listen, we explain your options clearly, and we only recommend what is genuinely in your best interest. Call 718-273-2525 for a free, confidential consultation →
Banks are receptive and offer various programs — some with considerable reductions in principal. In most cases interest rates are brought down considerably with no down payment required for arrears. Every modification candidate is analyzed individually.
Meet Daniel Volis — Modification Manager
Daniel Volis is our Modification Manager. He holds a BA from CUNY and an MA from NYU, speaks fluent Russian, and is hands-on with every file. Daniel has cultivated contacts at many leading lenders and servicers and has personally obtained numerous modification approvals.
⚠ Time Matters
The longer you wait, the fewer options you have. A bankruptcy filing stops all collection activity immediately — the same day you file. Creditors cannot call, sue, garnish your wages, or foreclose while the automatic stay is in effect. Call now →
Foreclosure Defense
Where necessary, our team actively defends against impending foreclosures. We start with forensic analysis of loan documents and review of the chain of title, then file counterclaims and dismissal motions against lenders who acted improperly.
“Jay gave me reassurance and hope. He helped me understand that there is a life past all of this — and he delivered. I will forever be grateful.”
Ray Levato — Bankruptcy Client • Read All Reviews →
Why Lien Searches Matter
We recommend a lien search so any judicial or tax liens are resolved before submission — removing any excuse for the lender to reject the package. Successful timely payments during the trial modification period should result in a permanent modification.
Ready to Take the First Step?
One phone call can change everything. We will tell you exactly where you stand — no jargon, no pressure, no obligation. Most clients feel better after the very first conversation.
Confidential • No obligation • Habla Español
NJ Mortgage Modification FAQ
How long does mortgage modification take in New Jersey?
Typically 3-6 months, though it can take longer. Using bankruptcy court loss mitigation programs can accelerate the process by compelling lenders to negotiate under court-enforced deadlines.
Can I still get a mortgage modification if foreclosure has already started in NJ?
Yes — and often the active foreclosure creates negotiating leverage with the lender. We have obtained modifications for NJ homeowners even after foreclosure judgment was entered. Call us immediately — options narrow as foreclosure progresses.
What makes Daniel Volis different as a modification manager?
Daniel holds an MA from NYU, speaks fluent Russian, and has personally cultivated contacts at many leading NJ lenders and servicers. He handles every file personally — you are never passed off to a paralegal or assistant.