Know your rights ·

I received a foreclosure complaint or sale notice

General information for New Jersey, New York and Washington, DC · Last updated

Quick answer

Treat the legal case and loss-mitigation application as separate tracks with separate deadlines.

Do now

Gather the complete papers, service date, loan history, and assistance records. Seek legal help and housing counseling immediately. NJ’s self-help answer packet describes a 35-day response period; confirm its application to your service and case. NY settlement conferences do not eliminate the need for a timely answer. DC procedures need local review.

Watch for

Negotiations do not guarantee a sale postponement.

Official sources

NJ Courts — Answering a Foreclosure Complaint, NY Courts — Foreclosure Information for Homeowners, DC DISB — Foreclosure Prevention, CFPB — Housing Insecurity.

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