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NJ DUI DWI Attorney

You should always consult with an attorney concerning a charge of DUI or DWI, even if you believe that there is no chance of successfully challenging the offense. No other area of Municipal Court practice is more serious and as a consequence this is absolutely the time to seek legal representation. As stated above, even if you are going to be convicted, you really should retain the services of an attorney because the fines and penalties have a wide range, which

The Home Inspection Report

Home Inspection Report Importance After the new attorney contract is agreed to by both parties. The buyer must then obtain a home inspection report within 14 days in most cases. This report is very important. Your home inspector will go over the house very carefully to determine what if anything needs repair or replacement and will test all systems. A radon test will be performed, along with a pest inspection and heating and air conditioning examination. You will then be presented

Obtain your Mortgage Commitment

While your home inspection is going on you will also be required to obtain your mortgage commitment, if you are not already qualified. The contract will most likely contain a mortgage contingency which will provide you with a certain time frame from the signing of the contract to obtain your mortgage commitment, usually 30 days. This is another very important protection you as the buyer will have, but you also must be careful to comply with the terms. You will be

Obtain Title Insurance

Title Insurance During this time before closing you will also be required to obtain title insurance. This insurance policy is for your protection to insure that no one can come in and claim that you do not properly own the property for a variety of reasons. It is also required by your mortgage company to protect them from the same possible title issues. When your attorney receives the title report, he/she will advise you if there are any issues with the

Real Estate Closing Attorney

Just prior to the real estate closing there will be a final walk through or inspection at which you and your realtor will do an inspection of the premises to determine if the seller has left the premises in broom clean condition, removed their personal items and made any repairs required. If any issues remain, you may agree on a credit and/or hold money back in escrow until such time as the repairs are made. If all issues are resolved you

Attorney Review Period in NJ

Attorney Review Period begins once your offer has been accepted, the realtor, if there is one, will usually accept a $1,000.00 initial deposit to secure the acceptance and will prepare a broker’s contract. This is a bare bones contract which is missing much of the language and clauses that you will find in a contract prepared by a real estate attorney. Nevertheless, that contract will call for an additional deposit to be made within a very short time. In addition, it

DOCUMENTS NEEDED FOR LOAN MODIFICATION

For a loan modification, you will need to bring to your attorney all the documents that substantiate what your current income and expenses are so that your case can be evaluated and a proposed new payment be assessed by your lender. DOCUMENTS NEEDED FOR LOAN MODIFICATION The primary document that must be prepared for this process is a Request for Mortgage Assistance form (commonly referred to as an RMA). This form can be obtained from your bank or from the federal

New Jersey Municipal Court

The most common types of New Jersey Municipal Court cases are driving violations. Driving violations range from the simple parking tickets to the more serious DUI/DWI case, which can have devastating effects on your finances, life and family. You should not attempt to handle on your own any Municipal Court matter that carries serious consequences for various reasons. All moving violations carry with them the imposition of points on your driver’s license if convicted. As the Judge in your case will

BUYING A FORECLOSED HOUSE

In this segment I would like to focus on how one can go about buying a foreclosed house. There are several stages at which this can happen; pre-foreclosure, foreclosure and post-foreclosure (also referred to as “REO”). These different stages offer differing opportunities and procedures. If the house is listed as “pre-foreclosure,” that means that the homeowner has received a Notice of Default and that the bank is getting ready to foreclose. You can contact the homeowner directly, if not already represented

THE FORECLOSURE PROCESS

In this segment, I will discuss the mortgage foreclosure process as a follow-up to an earlier overview concerning your available options when facing a foreclosure. I am focusing on the process in New Jersey, but most of these procedures are the same in New York. The initial step taken by the lender is to notify you regarding the approaching 90 day default time limit. Such notice typically arrives once you have missed at least two months of mortgage payments. The mortgage