Compare 70 New Jersey attorneys who handle loan modifications and loss mitigation, what the process involves, and how to pick one with confidence.
Loan modification and loss mitigation work covers the legal options a homeowner has before a foreclosure case ends in a sheriff's sale: negotiating a modified payment plan with the servicer, applying for forbearance, arranging a short sale or deed in lieu of foreclosure, or defending against a servicer's failure to properly review a modification application. In New Jersey, this often runs alongside the state's mandatory foreclosure mediation program, where an attorney can push back on paperwork errors, missing income documentation, or a servicer that drags out review timelines while interest and fees pile up.
New Jersey has 70 attorneys and firms in this category, ranging from solo practitioners who focus on a handful of towns to larger consumer-defense firms that handle cases statewide. That range matters because loss mitigation isn't just contract review, it's negotiation against loan servicers who don't always respond quickly or accurately, and a lawyer's familiarity with a given servicer's habits can shorten a case by months.
Our ranked guide to New Jersey foreclosure attorneys orders firms using a consistent scoring approach, explained in full on our methodology page, so you can compare firms on more than a star rating alone.
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We found 70 businesses offering loan modification & loss mitigation in New Jersey; 48 met the criteria for the scored directory. The order weighs each business's overall score by how much of its reviewed work is loan modification & loss mitigation, so a lower-scored specialist can rank above a higher-scored generalist.
People consistently praise Peter Aziz and his team for deep expertise, quick responses, and genuine care during stressful legal work. They stand out especially for real estate closings and estate planning, handling complex transactions efficiently while making clients feel supported and fully informed throughout.
People filing bankruptcy consistently describe Ginny as knowledgeable, warm, and deeply empathetic. Reviewers praise her responsiveness, clear explanations, and genuine care that reduces the stress of filing. Many felt treated as individuals rather than case numbers and appreciated her patience during an anxious process. She handles Chapter 7 and Chapter 13 bankruptcy filings and attends hearings with clients to provide support. Reviewers report she checks in regularly, explains each step thoroughly, and does not rush cases. Her administrative staff also receives praise for professionalism and responsiveness.
Through patient guidance and clear explanations, Roger Chavez helps clients navigate bankruptcy with confidence. He answers questions thoroughly, responds promptly, and treats each person as an individual case rather than routine paperwork. Reviewers consistently report feeling supported and less overwhelmed despite the stress of the process. He manages Chapter 7 cases from initial consultation through the 341 hearing, maintaining meticulous documentation throughout. His office staff, particularly Priscilla, earn praise for their responsiveness, organization, and professionalism. Clients consistently note his dedication to making complex cases feel manageable and straightforward.
Most clients report fast, reassuring service with named staff members like Melanie, Justin, and Kelli easing them through bankruptcy filings. Reviewers consistently praise open communication, reasonable pricing, and a genuine team rapport that made difficult processes feel manageable. Two recent complaints object to refund policies after petitions were unfiled or incomplete, alleging the firm retained fees for unfinished work and citing ethics board concerns. The firm disputes these claims, but refund dissent stands as a material pattern despite the 96% five-star majority.
Reviewers consistently report fast, attentive legal work on real estate transactions and eviction matters. Staff like Gloria and Eileen are named repeatedly for patience, follow-up, and explaining every detail clearly. One caller reported immediate hang-ups, but 91 percent of reviews are five-star, suggesting this is atypical.
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Reviewers consistently praise quick wins in immigration work, especially habeas corpus petitions and ICE removals. Staff member Yamilky is named repeatedly as trustworthy and helpful. One month-old complaint details phone staff (Miranda and Leslie) as unprofessional, dismissive, and hard to reach, with contradictory information about case details. The firm claims over 15 years in practice and lists bankruptcy alongside immigration services. Most reviews focus on immigration outcomes rather than foreclosure or bankruptcy work. The vast majority of reviews are five-star, though phone access and front-desk communication stand out as a real friction point for at least one recent customer.
Reviewers consistently report working with Laura on straightforward real estate transactions-home purchases, sales, and closings in Jersey City and the surrounding area. They praise her responsiveness, patience, and knowledge of the local market; many first-time buyers mention feeling confident and supported throughout the process, with details handled efficiently and questions answered promptly.
Raul Pinto and his team earn consistent praise for real estate transactions and business law matters. Clients report clear explanations, rapid responses, and genuine care for outcomes. One caller reported being cut off early on, but 96 percent of reviews are five-star, suggesting isolated friction rather than a pattern. Most reviewers credit swift communication and trustworthiness as key reasons they return or refer others. The practice also handles personal injury, workers' compensation, and traffic matters. Bilingual service appears standard based on review tone and Spanish-language recommendations.
Clients consistently describe a knowledgeable, responsive firm that handles complex real estate and litigation matters with care. Staff go beyond typical service-negotiating hard on contracts, explaining options clearly, and keeping clients informed at every step. Michael Schonberger and his team (including Matthew, Anuradha, Asya, and Frank) excel at both residential and commercial closings as well as landlord-tenant and contract disputes. Fair fees and a willingness to listen and refer work when they're not the right fit set them apart.
Leonard Boyer and his team handle bankruptcy filings and foreclosure defense with the kind of preparation and accessibility that keeps clients feeling guided rather than lost. He explains the process step by step, returns calls promptly, works out payment plans, and staff member Martha is cited repeatedly for her patience and responsiveness throughout even the most difficult cases.
Most clients report smooth, fast closings with lawyers who answer questions fully and keep deadlines. Frank Martone, Dennis Uhlmann, and staff member Jahaira stand out for responsiveness and clear explanations. One landlord-tenant case involved poor communication and an attorney not appearing in court as expected.
Long-term clients consistently praise the firm's courtroom skill and personal attention. Four-year clients credit attorneys Kenneth Brown and Douglass Mitchell with never losing a case and treating clients with respect regardless of background. Criminal defense, eviction litigation, and family law clients report favorable outcomes and clear communication of legal options. However, serious complaints allege missed court dates, failure to return retainers, and unresponsiveness to client calls lasting months or years. Some newer clients describe receiving minimal service despite paying deposits. The firm operates seven days weekly but at least one reviewer reported unavailability on Saturday morning.
Clients describe Karra Kingston as attentive and caring through bankruptcy and debt crises. She explains steps clearly, responds quickly even on weekends and holidays, and charges fairly without hidden costs. Her firm handles paperwork smoothly, prepares clients for key meetings like the 341, and follows up patiently when life delays submissions. Reviewers felt respected rather than judged, and many credit her guidance with helping them rebuild after financial disaster.
Most clients praise Reiser's responsiveness, plain-English explanations, and ability to achieve successful outcomes even in complex cases. However, two detailed 1-star reviews cite aggressive billing, questionable case strategy choices, and communication gaps that undermined trust, though they acknowledge his trial skills.
Clients report that Low & Low handled their bankruptcy filings and debt cases with unusual speed and clarity, often resolving matters within weeks and delivering visible credit score improvements. Staff members, particularly Attorney Russell Low and assistant Mari, earned consistent praise for treating clients as individuals, answering questions thoroughly, and following through across multiple county offices in New Jersey.
Reviewers consistently describe MSW as sharp, responsive commercial real estate attorneys who work on deals across acquisitions, construction, land use, and transactions. Clients praise the team's knowledge of the NYC/New Jersey market and say they go above and beyond to support ongoing projects.
Most clients report seamless real estate closings with staff who stay in touch, answer questions promptly, and explain next steps clearly. Juliana, Dulce, and others on the team earn consistent praise for handling first-time homebuyers with calm professionalism, though one older review flagged weeks-long communication delays with opposing counsel.
Reviewers consistently describe Russell Low and his team as genuinely compassionate lawyers who treat clients like family and answer questions the same day. Staff members Mari, Maria, Diana, and Yolanda are repeatedly named for making clients feel at ease through complex bankruptcy and foreclosure cases, with no negative reviews across 30 ratings.</summary> <parameter name="sentiment_tags">["knowledgeable", "responsive-communication", "compassionate", "honest-assessment", "empathetic", "saved-home", "bilingual-staff"]
Friscia & Associates stops foreclosures and closes real estate deals with a team consistently noted for knowledge and speed. Michele and Lawrence earn repeat clients and trust through patient guidance; two recent reviews flag slow email responses and Lawrence's brusque intake style, but 93% of reviews are five-star.
Reviewers consistently report feeling supported and well-cared for by staff who explain each step clearly and follow up proactively. Multiple clients praise named attorneys like John Scura, Vasti, and Mr. Stevens for treating them like family while handling injury cases thoroughly. One significant 1-star complaint alleges neglect, missing deadlines, and brushing off a client over 18 months, though the reviewer suggests the review may reflect a dispute over discovery documentation practices. Most reviews focus on personal injury and accident representation rather than foreclosure or real estate services listed in the directory categories here, limiting direct evidence of those practices.
Carrasco Quintana Law maintains a 4.9 average across 136 reviews with nearly all five-star ratings. Review text details are limited, but their strong standing in real estate and title work is reflected in volume and consistency.
Reviewers consistently report feeling guided through otherwise overwhelming processes. Staff explain steps clearly, answer questions promptly, and treat clients with respect rather than judgment. Named team members Mickey Cano and Jeremias Batista himself appear frequently in praise. The firm handles bankruptcy filings with particular care, helping clients reduce debt and rebuild credit. One reviewer reported a 100-point credit score improvement in weeks. The entire team maintains a professional yet approachable demeanor, making difficult decisions feel manageable and less stressful.
Reviewers consistently report fast responses and sound legal advice grounded in precedent and case law. Frank Aita listens carefully, explains statutes and next steps in plain language, and follows through with results; clients feel he genuinely cares about their outcome. He brings aggressive advocacy to landlord-tenant and real estate disputes. Most clients describe him as trustworthy, patient, and generous with time during initial consultations. The firm handles estate work, property transactions, and foreclosure-related matters across New Jersey and Florida.
Clients consistently praise Donald Bonomo and Aileen Perez for responsiveness, clear guidance, and dedication through bankruptcy and family law matters. Two isolated complaints surface unprofessional communication and serious ethics allegations, though the weight of recent five-star reviews emphasizes their professionalism and client support. Named staff Aileen Gjikova and Marlene (paralegal) handle traffic violations and divorce cases with detailed updates. Their website states they have served since 2001 and hold licenses across New Jersey, federal, and specialty courts.
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Strong track record across multiple legal services, with reviewers consistently praising the firm's knowledge, responsiveness, and hands-on approach. Named attorneys Veer Patel, John, and Lazaro Cardenas, along with staff member Yeimi Hernandez, earned particular recognition for winning cases, saving homes via loan modification, and handling real estate closings and estate matters with professionalism. A handful of reviews cited poor initial assessments or mismatch between advertised and actual services, but the bulk reflect satisfied clients who felt supported and fairly treated.
Most reviewers report positive experiences with attentive lawyers who listen and deliver results. Two complaints cite unreturned calls and unresponded emails, creating doubt about communication reliability.
All 11 reviews award five stars. Clients praise Mary Ann McField for patience, expertise, and genuine care through real estate transactions and estate matters. Her team responds quickly, and she prioritizes clients' interests over formality.
Kim Flotteron and her team consistently deliver quick, knowledgeable counsel on real estate transactions. Clients praise their responsiveness, attention to detail, and ability to navigate complications without losing sight of the client's interests. Reviewers named Jazmin, Susan, and Tracey as standout paralegals who kept them updated throughout closings and sales. Jacob Davidson also earned recognition for thorough guidance through multi-step purchases and for catching red flags before they became problems. Most transactions close on time or ahead of schedule, even under time pressure. Clients say the team explains steps clearly and answers questions promptly, making stressful processes feel manageable. Several reviewers mentioned they returned for follow-up work or referred friends and professional contacts; one realtor with 22 years of experience called them her go-to firm.
A general practice firm anchored by attorney Bhavini Shah, widely praised by divorce and real estate clients for emotional support paired with legal skill. One outlier complaint about billing priorities; otherwise consistent praise for detailed work, timely updates, and fair dealing.
Reviewers credit this Passaic firm with stopping foreclosures through loan modifications that lowered rates and payments, and with navigating short sales to minimize credit damage. Staff answered calls promptly, explained options clearly, and walked clients through each decision without pressure.
Alison handles real estate closings with strong attention to detail and experience navigating complications. Three older complaints cite communication lapses with staff, though recent reviews praise her responsiveness and hands-on work with clients.
Mixed results: some clients report smooth transactions and clear communication during home purchases, while others cite interpersonal friction and service concerns. Limited review depth prevents fuller assessment.
Most reviewers report smooth, efficient real estate and business closings backed by responsive staff and attentive service. However, a significant minority cite delayed communication, weak agreement drafting, and uncomfortable pressure during negotiations, with isolated complaints about staff demeanor.
Overwhelming majority praise Russell Low's compassionate approach and responsiveness in bankruptcy and loan modification cases. Clients report him available at all hours and genuinely caring. One recent detailed complaint alleges communication failures and missed appointments, suggesting potential inconsistency.
All 20 reviews rate this firm five stars. Clients consistently report responsive communication, honest advice, and comfort working with Flynn himself rather than staff intermediaries. Real estate and general legal work praised; limited review detail on loan modification services specifically.
The firm operates as a longstanding real estate and general law practice. Review volume and rating are consistent with peer firms in the directory, though review text is unavailable to detail specific client outcomes.
Strong results for clients who work with the right attorney here, but consistency is the problem. Reviewers praise Kimberly Protocollo and John Fazzio for loan modifications that saved six figures and stress; older reviews credit the firm with handling tax liens and foreclosure defense well. Recent complaints center on non-responsiveness after retainer, poor advice (especially using up stays instead of vacating defaults), and cases that stopped mid-stream. Payment plans and genuine interest in the client's wellbeing stand out when things go right.
One reviewer praised James C. Zimmermann for a free consultation where he was generous with his time and delivered immediate, clear next steps. His personable manner and sense of humor came across as standout traits.
Limited review data, but the single rating is five stars. Goldman & Beslow operate across Essex County and Northern New Jersey with broad bankruptcy and foreclosure services.
One five-star review supports this firm's standing. Limited review data prevents detailed assessment of their foreclosure or bankruptcy services.
Review evidence is limited to one five-star rating. The business states it handles bankruptcy, foreclosure defense, and debt matters across northern New Jersey.
Reviews are split: two-thirds gave five stars, one-third gave one or two. Without individual review text, the specifics behind each rating are unclear. The business serves real estate and title work in Middlesex and Union Counties.
All three reviewers praise named attorneys Cardenas and Patel for honesty, availability, and calm guidance through financial distress. One client got a payment plan for Chapter 7 filing; another credits Cardenas with patient landlord-tenant advice.
One five-star review praises attorney Glenn for deep case preparation. A second review exists but is rated one or two stars. Limited review evidence prevents a fuller picture of consistency or specific service strengths.
One reviewer stated they lost their home after engaging this firm. Review evidence is limited to a single comment offering no detail on services, timeline, or communication.
Review evidence is limited: no individual reviews are available. The business's website lists extensive credentials, including Chambers USA recognition since 2014, Best Lawyers selections since 2013, and appointment to mediation rosters in New Jersey state and federal bankruptcy courts.
Not enough recent reviews yet to synthesise a reliable sentiment read for this business.
Not enough recent reviews yet to synthesise a reliable sentiment read for this business.
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Last updated 2026-08-23