Your home is likely your most significant asset, and if you’re like most homeowners, you’ve made monthly mortgage payments for years to eventually make it your own. When unexpected circumstances such as a job loss or medical emergency occur, and you can’t make those payments on time, it can put your home at risk of foreclosure. It’s important to know there are steps you can take to keep your home or sell it while limiting your loss. Boyer Coffy, LLC represents homeowners in the Clifton area and throughout New Jersey who are at risk of having their homes foreclosed. Whether we challenge your lender in defending you against foreclosure or work with your mortgage company or bank to reach acceptable terms that benefit you, you can count on our counsel and advice.
When your lender initiates a foreclosure action, it’s essential you take prompt action. As your attorneys, depending on your circumstances, we will get to work to uncover the facts and may be able to challenge the foreclosure if we find:
If these situations or others exist that show your lender has engaged in a foreclosure action that’s illegal or unwarranted, we will press your case in court. While your case is pending, your foreclosure will be put on hold, offering you a much-needed break while we work to help you save your home. If filing for Chapter 13 bankruptcy offers you a better option for repaying your debt and keeping your house, we can guide you through the process.
In many cases, homeowners may be able to work with their lenders to avoid foreclosure. As skilled negotiators, we can clearly and effectively present your case to your mortgage company or bank so you can make use of these options:
It’s often in a lender’s best interest to work with homeowners rather than spending the time and money it costs them to initiate foreclosure proceedings. We have helped clients throughout New Jersey to make use of these options and keep their homes and will press for a favorable outcome in your case.
When selling your home is in your best interests, we can negotiate with your lender to provide these options:
While the decision to sell your home can be a difficult one, we will make sure you understand the benefits and risks so you can proceed fully informed before engaging in any transaction. In all cases, our goal is to help you reach an outcome for you and your family that keeps you from losing your home to foreclosure.
At Boyer Coffy, LLC, we assist clients throughout New Jersey who are at risk of losing their homes to foreclosure. We will explain your options and guide you in making the best decision for your circumstances. Call Leonard Boyer at 973-798-6131 or contact him online to schedule your consultation at our Clifton office.
"Mr Boyer is a very successful and helpful Lawyer, Also an encouraging and responsible person. Thank you very much Mr Boyer and Marta (who works for him )." - Seher
"I just finished writing a book and hired a graphic designer to illustrate it. Mr. Coffy drafted a contract for us both to sign and it was excellent! He created several clauses in the contract that addressed issues that I would have not even considered. He definitely knows how to think outside of the box." - Matthew
"Mr Boyer answered all the questions we had regarding our bankruptcy and made a difficult time in our lives much easier! Leonard Roy Boyer’s response: “Thank you very much for the kind words Mike. I am glad that I was able to help and make a positive difference in your life. ”" - Mike
"Both my wife and I were very pleased with Mr. Boyer and his entire firm's staff. Ms. Martha was great as well. Aside from his professionalism, he has solid people skills. Leonard Roy Boyer’s response: “Thank you Tomas. We appreciate all our clients. We enjoy being able to help them and whenever possible make their lives better. ”" - Tomas
"Mr. Boyer has helped us tremendously with our case. Nobody else dedicated so much attention to detail and effort. We cannot thank him and his staff enough. Leonard Roy Boyer’s response: “Thank you, it is a pleasure to know that my efforts and that of my staff were able to help you and make a positive difference.”" - anonymous
"Hiring Leonard Boyer was the best decision I made; he and his office manager Martha Cordova were with me through the entire timeshare exit process; thank you for your professionalism and patience, I would highly recommend Leonard and his team" - Altagracia Rodriguez