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When choosing a Foreclosure Defense Lawyer, consider: Value - focused on your outcome, experienced in foreclosure (not just BK) Results - familiar with loan modifications, real estate sales, and re-financing Approach - loan modification experience or curating a short pay/sale is key Personality Fit - you need to speak the same language / you can talk to them Cost & Budget - Cost vs. Value - don’t be pennywise and pound foolish “A good lawyer knows the law. A great lawyer knows the Judge.” You should avoid lawyers who have a hammer (i.e., Bankruptcy) and see every case as a nail - those that take a cookie-cutter approach. Your situation is unique and your case requires a hand tailored approach to achieve the desired outcome. Make sure a foreclosure defense attorney is competent, knowledgeable, and experienced with loss mitigation and the loan modification process, with refinancing, and with alternative forms of loans (i.e. hard money). Make sure a foreclosure defense attorney regularly handles cases in New Jersey with your Judge, goes up against the lawyers who are suing you, and has experience with your loan servicer or lender. Make sure the lawyer is someone you can talk to and get along with since this relationship will likely span several years. Make sure the lawyer is willing to work with your budget and take the approach that you are looking for, and that he or she has a positive outlook on how that approach will ultimately play out for you and your family.