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Veitengruber Law Success Story: A NJ Home Saved

At Veitengruber Law, we love to celebrate our victories.

On Behalf of Veitengruber Law | Nov 28,2022

At Veitengruber Law, we love to celebrate our victories.

We recently had a client try for five years to get a loan modification on their mortgage. He had tried so many times without success that his lender told him to stop trying. The lender said our client would NEVER get a loan modification. They told our client to give up.

With a history of half a dozen failed loan modification applications and $300,000 behind in mortgage payments, he was desperate for solutions. Instead of continuing to pester his loan company, he came to us. We helped our client file for bankruptcy which stalled collection proceedings and forced the lender to consider another loan modification. Eventually, the lender rejected the loan modification, and the courts dismissed the bankruptcy case.

But our client did not give up. He kept working toward making his mortgage payments on top of paying down his arrears. We helped him file for bankruptcy again, allowing him another chance to pay down his arrears and submit another loan modification application. Again it was rejected, the bankruptcy case was dismissed, and our client was back in the same spot.

Still—he persevered! Throughout the pandemic, he was able to pay down his past-due amount to $140,000. As we were about to file for bankruptcy again, we got great news: his lender had finally accepted his loan modification application. Even though the lender repeatedly said that they would never grant him a loan modification, they did.

The moral of this success story is never to give up. It can take diligent, hard work and creative legal maneuvering, but nothing is ever as hopeless as it seems. Many of our clients would have cut their losses and moved on from their homes, and we would support them through that process. But if like this client, you are ready for the long fight to save your home, we will be there every step of the way. We can provide the legal solutions you need to keep working toward your goals. As long as you are willing to give it one more shot, we are, too.

This client spent years working toward getting a loan modification on his own, only to be consistently rejected. Working with us from the beginning can improve your chances of success. Instead of pestering your lender with insufficient applications, we can help you compile a winning application from the start. Our vast experience working with lenders lets us know what they are looking for in these applications. Our expertise can give you the advantage to finally get your application approved.

Whether you are $3,000 or $300,000 behind on your mortgage, Veitengruber Law can help. Don't give up. We can provide workable solutions no matter how dire the situation is.


Wall Township

1720 Highway 34 Suite 10 Wall Township, NJ 07727

Phone: (732) 894-4909

Fax: (732) 695-3917

Bordentown Office

33 Third Street 2nd Floor Suite 3 Bordentown, NJ 08505

Phone: (609) 542-2339

Metuchen Office

(By Appointment Only)

247 Main Street Metuchen, NJ 08840

Phone: (908) 386-4767