Why are you offering to help for free?

For 20 years, we’ve been deeply committed to the communities in which we invest. Fifteen of those years have been spent working with a non profit youth organization in Newark called STEP and mentoring the young people of this great organization. We also created a real estate investment company called STEP Buys Houses to assist in the funding and education of the organization’s youth. So helping people, especially families, is what we do. And people losing their equity and childhood home to a foreclosure that can be easily stopped in most cases, is something we hate to see. Yet we’ve been witnessing a sharp increase in these tragedies over the last few years. So this is a way for us to help people. Even if they’re not looking to sell their home.

How can you help?

We start by determining where you are exactly in your situation. Behind in taxes? In foreclosure? If you are in foreclosure, where exactly in the foreclosure process are you? While we do NOT provide legal advice we may be able to inform you as to how much time you might have to save the property based on the average timelines we’ve been seeing.

And unbeknownst to you, you may have recently lost the property to foreclosure and not even realized it. We will research your case and find out right away. If your house was foreclosed on, all is not lost as there may still be some options to help you get the property back depending on your exact situation. We can connect you with a licensed attorney who may be able to help you get your property back.

Do you help me with the paperwork needed to save my property in foreclosure?

No. We are NOT attorneys and we do NOT give legal advice. We can help point you in the right direction so that you can hire an affordable attorney. We can also show you where to go on the State of New Jersey’s website and download the forms to legally respond to your foreclosure. But we CANNOT help you fill out those forms or provide any other type of legal advice.

Where can I find the forms to respond to my foreclosure without an attorney?

Because the location of the link may change, we don’t want to provide you with outdated information. Simply email us or complete this form and we will email you the updated link right over with no questions asked.

How do I find out how much I owe in taxes?

Your tax collector has this information. Simply call and request a tax redemption statement and they will fax or mail it to you. This can sometimes take 2-3 weeks. You can also contact us and we will visit the tax collector on your behalf and usually obtain a tax redemption statement within 24-48 hours.

I was just informed that a tax lien on my house was just sold at auction. Does that mean someone bought my house?

No. If a tax lien was levied against your house in NJ, it usually means that the township created the lien due to delinquent property taxes and then sold that lien to a 3rd party. That 3rd party only purchased the lien against your house and not your actual house. You can call your tax collector to confirm. You can also contact us and we will research publicly available records (or tell you how to do it yourself if you wish) and determine whether or not ownership if your house changed hands. We also have contacts with title companies who will run a free lien search for you as a favor to us.

Chances are, if a lien was actually levied against your house recently, you’re the still the owner. But give us a call to make sure!

Now that I have a tax lien against my home, when will it go to foreclosure?

That really depends on the date the lien was placed on your property along with the aggressiveness of the 3rd party who purchased the lien. State law says that in most cases, the 3rd party who owns the lien has to wait 2 years after their purchase before they can begin foreclosure proceedings. In other cases, the 3rd party only has to wait 6 months. For specifics on your situation, consult an attorney or simply contact us.

I just found out my home is in foreclosure, what do I do?

The first thing we recommend is that you consult an attorney. You can use a real estate attorney of your choosing including one who you may have used in the past (i.e. the attorney you used when you purchased the home). The State of New Jersey also mails all property owners in foreclosure a list of attorney recommendations. Finally, you can contact us and we can send you a copy of that list plus free attorney services offered by different agencies and organizations in the State of New Jersey. Finally, we can refer you to self-help resources in case you wish to defend your foreclosure without hiring an attorney. Unfortunately, we can NOT offer any legal advice as we are not licensed attorneys.