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BAN THE BOX LAW AND WHAT IT MEANS TO YOU NEW JERSEY’S BAN THE BOX OPPORTUNITY TO COMPETE ACT   Q:  Can a company ask me about my arrest record on a job application? In recent years many states have enacted what is commonly known as “ban the box” laws which restrict an employer’s ability to request criminal history information from job applicants.  New Jersey’s version of this law took effect on March 1, 2015 and it essentially states that an

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


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


If you are experiencing difficulty making your mortgage payments, a loan modification might be the answer. Years ago, if you were behind in your mortgage the only question was whether or not you could bring it current. If not, you were facing a foreclosure. Since 2008, with the banking and mortgage crisis, there has been an ever increasing area of practice that includes foreclosure defense and loan modification. Loan modification is available to anyone, but various programs are targeted to different