Facing Sheriff Sale in Monmouth County? You Have Options.
If you’ve received notice that your Monmouth 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 Monmouth County, including Middletown, Howell, Freehold, Marlboro, Manalapan, Long Branch, Red Bank, Asbury Park, Tinton Falls, and Colts Neck. Monmouth 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.
Monmouth County Sheriff Sale Process
In Monmouth 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 Monmouth County Sheriff’s Office. Shore communities face added costs for flood insurance and storm recovery. Cases are filed at the U.S. Bankruptcy Court, Trenton Vicinage.
Attorney Michael Siddons has extensive experience filing emergency Chapter 13 petitions in Monmouth 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 helpful for Monmouth County homeowners in shore communities dealing with storm recovery and rising insurance.
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 Monmouth County homeowners.
Frequently Asked Questions — Monmouth County Foreclosure
How do I check if my Monmouth County home is listed for sheriff sale?
Monmouth County sheriff sales are posted through the Monmouth 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 Monmouth County property tax delinquency?
Yes. If you owe back property taxes in Monmouth 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 Monmouth 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 Monmouth 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 Monmouth 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 Monmouth County file for bankruptcy relief under the United States Bankruptcy Code.