Are you a homeowner or tenant needing help before, during, or after foreclosure?

Your first call should be to the Home Ownership Preservation Foundation. This experienced non-profit organization offers free, dependable guidance for homeowners and tenants. Call toll free at (888) 995-HOPE (4673).

Trained counselors at the Home Ownership Preservation Foundation will help you assess your situation over
the phone. If needed, they will refer you to reliable community organizations for further assistance, including
in-person counseling.

Are you thinking of paying for professional services to help you deal with foreclosure?

STOP! DO NOT respond to any flyer, advertisement, or phone call offering “loss mitigation consulting,” “foreclosure prevention,” or “mortgage loan modification.”  These are often scams by unlicensed counselors who charge steep fees, or attempts by outright con artists to take your home.

YOU CAN GET FREE, RELIABLE COUNSELING FROM THE HOME OWNERSHIP PRESERVATION FOUNDATION,
(888) 995-HOPE (4673).

The New Jersey Division of Consumer Affairs has helpful information on how to avoid foreclosure scams. If you think you have been the victim of a scam, contact Consumer Affairs toll free at (800) 242-5846 for help, or by
e-mail at AskConsumerAffairs@lps.state.nj.us.

Are you in need of other forms of assistance?

The New Jersey Division of Consumer Affairs has a “Foreclosure Fast Facts” brochure that provides contact information for reliable non-profit organizations offering many forms of assistance including food, shelter,
and mental health services.

Are you a tenant in a property facing foreclosure, and seeking immediate assistance?

You have the right to stay in your home during foreclosure, and after resale.  For help, call the Office of the New Jersey Public Advocate, Division of Citizen Relations at (609) 826-5070, the New Jersey Tenants’ Organization at (201) 342-3775, or Legal Services of New Jersey at (888) 576-5529.

Are you a tenant seeking information about your rights during foreclosure?

The New Jersey Public Advocate has an easy-to-read brochure in English and Spanish that outlines your rights and provides contact information for resources that can help you.

Do you need legal services?

Free legal services are available to income-eligible residents through Legal Services of New Jersey,
toll free at (888) 576-5529.  You can also contact Legal Services of Union County at (908) 354-4340
or (908) 755-6663.

To hire professional legal services, contact the Union County Lawyer Referral Service of the Union County
Bar Association, (908) 353-4715.