Dear New Jersey Homeowner

Aug. 22, 2011 - PRLog -- You may have been told, or have been led to believe, that there are no defenses to foreclosure. The truth is, there are a lot of people and businesses sending inaccurate and misleading messages about your rights.

The laws are a state by state issue, and the law has just changed in New Jersey.  The new changes should change any assumptions you might have had about an inability to fight the bank, and may give you an opportunity to remain in your home (for a long time).

The appellate division has just decided two cases for our homeowner clients, Bank of N.Y. v. Laks & Einhorn and Deutsche Bank v. Mitchell which affirm what we have been arguing for the last two years:  A bank cannot sue you and attempt to foreclose on your home if they do not have possession of essential loan documents and if they do not follow certain procedural statutes. Period.

We were absolutely correct, and that the courts have been inaccurately applying the law.  Now that has all changed – which may be very good news for you.

We invite you to come in for your free consultation and in half an hour, we will be able to see if the new law applies to you,  and how long it will take for you to fight your bank.  Most importantly, we will work with you to identify your goals and needs to build a personalized plan  that will help you secure your future.

Bring the closing file from when you signed the loan, bring a copy of the Foreclosure Complaint and bring us your Notice of Intent to Foreclose (A letter typically sent by the bank, its servicer, or a law firm representing the bank).

We will walk you through the foreclosure process and let you know how to fight the foreclosing bank and whether you are entitled to a dismissal of your foreclosure complaint.

One last thing.  And this is very important:

Act quickly and contact us today. The longer you wait, the less of a chance you have of taking advantage of the change in the law.



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Denbeaux and Denbeaux has been fighting against banks and predatory lenders for two years. If you are in foreclosure, give us a call, and get your free consultation, with one of the attorney’s at Denbeaux & Denbeaux.

Call today. Call now. (201) 664-8855

Or send us an email: pr@denbeauxlaw.com

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Joshua Denbeaux has been challenging the banks on these foreclosures for more than two years. Our success has paid off. The better banks have now conceded that we were right.

Formed in 1989, Denbeaux & Denbeaux is a law firm dedicated to providing top level legal representation to its clients. The partners, Marcia and Joshua Denbeaux, represent individuals and businesses in New Jersey State and Federal Courts.

The firm primarily practices civil litigation, with a concentration in mortgage foreclosure, business, insurance coverage and employment litigation.

The attorneys and staff at Denbeaux & Denbeaux are dedicated to providing the highest level of representation possible to their clients. Located in Westwood, New Jersey, Denbeaux & Denbeaux has extensive experience in the state and federal trial and appellate courts.