Foreclosure help and legal resources in the Trenton metro area

Government & regulatory

This is general information, not professional advice. Consult a qualified professional about your situation.

• Superior Court Clerk's Office – Foreclosure Processing Services (New Jersey Judiciary)

  Handles all residential mortgage foreclosure filings in New Jersey and administers the free Foreclosure Mediation Program, which lets homeowners negotiate directly with lenders (refinance, loan modification, repayment plan) with a court-provided mediator.

  Visit website → Phone: (609) 421-6100 Foreclosure Processing Services, Superior Court Clerk's Office, P.O. Box 971, Trenton, New Jersey 08625-0971 (mailing); Richard J. Hughes Justice Complex, 25 Market Street, Trenton, New Jersey 08625 (physical)

• New Jersey Housing and Mortgage Finance Agency (NJHMFA)

  State agency offering free pre-foreclosure and foreclosure-mediation counseling through its Foreclosure Mediation Assistance Program (FMAP), connecting homeowners in default with HUD-approved housing counselors statewide.

  Visit website → 637 South Clinton Avenue, P.O. Box 18550, Trenton, NJ 08625

• U.S. Department of Housing and Urban Development (HUD)

  Federal agency that certifies and funds housing counseling agencies nationwide; consumers can find a free HUD-approved counselor to help negotiate with a mortgage servicer or evaluate foreclosure alternatives.

  Visit website → Phone: (800) 569-4287; TTY 202-708-1455

• Consumer Financial Protection Bureau (CFPB)

  Federal agency that regulates mortgage servicers, publishes homeowner rights information, and offers a tool to connect consumers with a free HUD-approved housing counselor for foreclosure help.

  Visit website → Phone: (800) 569-4287

Industry & professional associations

• Mercer County Bar Association – Lawyer Referral Service

  Local county bar association covering Trenton/Mercer County that refers residents to a vetted attorney referral service, including foreclosure and real estate practitioners, for a low-cost initial consultation.

  Visit website → Phone: 609-585-6200

Consumer protection

This is general information only. Follow each body's official guidance for your situation.

• New Jersey Division of Consumer Affairs, Office of Consumer Protection

  State regulator that investigates consumer complaints about deceptive or predatory business practices, including foreclosure-rescue and loan-modification scams, and enforces the NJ Consumer Fraud Act.

  Visit website → Phone: (973) 504-6200 or toll-free in NJ (800) 242-5846 124 Halsey Street, Newark, New Jersey 07102

Legal help

This is general information, not legal advice. Speak to a qualified professional about your specific situation.

• Office of Attorney Ethics (New Jersey Courts)

  The investigative and prosecutorial arm of the NJ Supreme Court for attorney discipline; consumers can file a grievance here if they believe a foreclosure attorney violated professional conduct rules.

  Visit website → Phone: 609-403-7800 Office of Attorney Ethics, Attn: Grievance Processing, Richard J. Hughes Justice Complex, P.O. Box 963, Trenton, New Jersey 08625

• Legal Services of New Jersey (LSNJ)

  Statewide nonprofit providing free civil legal assistance to low-income New Jersey residents, including foreclosure defense and information through its LSNJLAW self-help site.

  Visit website → Phone: 1-888-LSNJ-LAW (1-888-576-5529) P.O. Box 1357, Edison, NJ 08818-1357

Support organisations

This is general information, not professional advice. Consult a qualified professional about your situation.

• Housing and Community Development Network of New Jersey

  HUD-approved regional intermediary based in Trenton that funds and coordinates local nonprofit housing counseling agencies across the state, including foreclosure prevention counseling.

  Visit website → 145 W. Hanover Street, Trenton, NJ 08618