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Foreclosure rates are at an all time high. Having your home in foreclosure is stressful, frightening, and confusing for most home owners. In a foreclosure, you may find yourself potentially losing the house that you and your family call home and that you worked so hard to get. Worse, if you lose your home in a foreclosure, New Jersey law allows a lender to obtain a "deficiency judgment" for the balance of what you owe after selling your house at the foreclosure sale.

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