Facing Sheriff Sale in Hudson County? You Have Options.
If you’ve received notice that your Hudson County home is scheduled for sheriff sale, you may feel like there’s nothing you can do. That’s not true. Federal law provides a powerful tool called Chapter 13 bankruptcy that can immediately stop your foreclosure and give you a structured path to keep your home.
We represent homeowners throughout Hudson County, including Jersey City, Bayonne, Hoboken, Union City, West New York, North Bergen, Secaucus, Kearny, Harrison, and Weehawken. Hudson County has seen increased foreclosure activity in recent years, and many homeowners are unaware that Chapter 13 can provide immediate relief.
How Chapter 13 Bankruptcy Saves Your Home
Chapter 13 bankruptcy is specifically designed for individuals with regular income who want to keep their property while catching up on missed payments. Here’s what it does for you:
✅ Stops your sheriff sale immediately: The federal automatic stay halts all foreclosure proceedings the moment your Chapter 13 petition is filed with the bankruptcy court.
✅ You stay in your home: Unlike Chapter 7, Chapter 13 is specifically designed to help you keep your property while restructuring your debts.
✅ Catch up on missed payments: Your repayment plan spreads missed mortgage payments over 3–5 years, making them manageable alongside your regular mortgage.
✅ Stop creditor harassment: All collection calls, letters, wage garnishments, and lawsuits must stop immediately under the automatic stay.
✅ Reduce other debts: Credit card balances, medical bills, and other unsecured debts may be significantly reduced through your plan.
Hudson County Sheriff Sale Process
In Hudson County, the sheriff sale process begins after your mortgage lender files a foreclosure complaint in the New Jersey Superior Court. After a judgment is entered, your home is scheduled for sheriff sale by the Hudson County Sheriff’s Office. Hudson County’s proximity to NYC has driven property values and mortgage obligations up significantly. Cases are filed at the U.S. Bankruptcy Court, Newark Vicinage, 50 Walnut Street, Newark, NJ 07102.
Attorney Michael Siddons has extensive experience filing emergency Chapter 13 petitions in Hudson County to stop sheriff sales, sometimes with just days to spare. Our office can prepare and file your petition quickly when time is of the essence.
New Jersey’s Loss Mitigation Program
New Jersey offers a unique advantage for homeowners filing for bankruptcy. The Loss Mitigation Program, created in 2011 by the United States Bankruptcy Court for the District of New Jersey, provides a structured framework for homeowners and mortgage lenders to negotiate alternatives to foreclosure. This program has been especially useful for Hudson County homeowners dealing with high-cost mortgages in Jersey City, Hoboken, and Bayonne.
To qualify, you must have filed for bankruptcy as an individual, and the property at risk must be your primary residence. Attorney Michael Siddons has extensive experience navigating this program on behalf of Hudson County homeowners.
Frequently Asked Questions — Hudson County Foreclosure
How do I check if my Hudson County home is listed for sheriff sale?
Hudson County sheriff sales are posted through the Hudson County Sheriff’s Office. You can check their listings online or contact the office directly. If you find your property listed, contact us immediately — we can often stop the sale even at the last minute.
Can Chapter 13 help with my Hudson County property tax delinquency?
Yes. If you owe back property taxes in Hudson County, Chapter 13 allows you to pay those arrears over the life of your 3–5 year repayment plan while keeping your home. This prevents a tax sale of your property.
What makes Siddons Law different from other Hudson County bankruptcy firms?
Attorney Michael Alan Siddons holds the prestigious Martindale-Hubbell AV rating — the highest rating available for legal ability and ethical standards. Our firm has helped hundreds of New Jersey homeowners stop foreclosure through Chapter 13 bankruptcy.
Is there an income limit for filing Chapter 13 in Hudson County?
There is no strict income limit, but you must have regular income sufficient to fund a repayment plan. Your unsecured debts must be below $2,750,000. During your free consultation, we’ll evaluate your specific financial situation to determine if Chapter 13 is right for you.
Get Help Now
If you’re facing foreclosure or sheriff sale in Hudson County, don’t wait. Every day matters. Contact Siddons Law Firm today at (609) 285-3999 for a free consultation. We are a federally designated Debt Relief Agency and proudly help people throughout Hudson County file for bankruptcy relief under the United States Bankruptcy Code.