Quick answer
Contact the servicer and a HUD-approved housing counselor promptly while separately tracking any court deadlines.
Do now
Gather statements, notices, income, hardship information, and prior applications. Ask about available loss-mitigation options and document what was submitted and when. Seek bankruptcy advice if broader debt or an imminent sale is involved.
Watch for
Applying for assistance does not universally cancel a sale or extend a court answer deadline. Avoid anyone guaranteeing rescue in exchange for a deed or upfront fee.
Official sources
CFPB — Housing Insecurity, CFPB — Foreclosure-Relief Scams, US Courts — Discharge in Bankruptcy, NJ Courts — Answering a Foreclosure Complaint.