Terms of Service

1. Agreement to Terms

By accessing or using Stop Foreclosures NJ's website at stopforeclosuresnj.com (the "Site"), submitting a lead form, calling our phone number, or providing your contact information, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these Terms, you may not access our Site or use our services.

2. Description of Services

Stop Foreclosures NJ is a licensed real estate company that provides the following services to homeowners in New Jersey:

• Cash Offers: We provide all-cash offers to purchase residential properties as-is
• Creative Finance Solutions: We offer subject-to and seller financing options for property purchases
• As-Is Listing Services: We provide real estate listing services for properties sold in current condition
• Foreclosure Prevention Consulting: We provide information and resources about foreclosure prevention options

Our services are designed specifically for homeowners facing foreclosure, financial hardship, or those who need to sell their property quickly.

3. SMS/Text Message Terms (A2P Compliance)

3.1 Consent to Receive Text Messages

By providing your mobile phone number through our website forms, by phone, or in any other manner, you expressly consent to receive text messages (SMS) and phone calls from Stop Foreclosures NJ regarding:

• Your property inquiry and submitted information
• Cash offers, creative finance offers, or listing proposals
• Appointment scheduling and reminders
• Follow-up communications about our services
• Educational content about foreclosure prevention
• Time-sensitive updates about your property or foreclosure situation

3.2 Message Frequency and Costs

Message frequency varies based on your interaction with our services and the urgency of your situation. You may receive:

• Initial response messages (typically 1-3 messages within 24 hours of inquiry)
• Follow-up messages about offers or services (frequency depends on your situation)
• Appointment reminders and confirmations
• Time-sensitive foreclosure-related updates

Message and data rates may apply. We do not charge for our text messages, but your mobile carrier may charge you for receiving messages according to your plan.

3.3 Opt-Out Rights

You have the right to opt-out of text messages at any time. To stop receiving text messages:

• Reply STOP, END, QUIT, CANCEL, or UNSUBSCRIBE to any text message
• Call us at (856) 879-1492 and request to be removed from SMS communications
• Email us at support@stopforeclosuresnj.com with your phone number and opt-out request

After opting out, you will receive one final confirmation message acknowledging your opt-out request. Please note that opting out may affect our ability to provide you with time-sensitive information about your property sale, offers, or foreclosure timeline.

3.4 Help and Customer Support

For help or support with text messages, you can:

• Text HELP to our number for assistance
• Call us at (856) 879-1492
• Email us at support@stopforeclosuresnj.com

3.5 Carrier Liability

Carriers are not liable for delayed or undelivered messages. We are not responsible for messages that are not received due to carrier issues, phone compatibility, or other technical problems outside our control.

4. TCPA Compliance

Stop Foreclosures NJ complies with the Telephone Consumer Protection Act (TCPA) and all applicable federal and state regulations regarding telephone and text message communications. By providing your phone number, you certify that:

• The phone number you provide is your own or you are authorized to provide it
• You consent to receive calls and text messages at the number provided
• You understand that consent is not required to purchase any goods or services
• You may revoke consent at any time using the opt-out methods described above

5. No Attorney-Client Relationship

Stop Foreclosures NJ is a real estate company, not a law firm. We do not provide legal advice. Nothing on this Site or in our communications should be construed as legal advice. We strongly recommend that you consult with a qualified attorney regarding foreclosure proceedings, legal rights, and obligations. We may provide general information about foreclosure processes and timelines, but this is for educational purposes only.

6. No Guaranteed Outcomes

While we strive to help homeowners avoid foreclosure, we cannot guarantee specific outcomes. Whether we can prevent foreclosure depends on numerous factors including the stage of foreclosure, property value, amount owed, timeline, and other circumstances beyond our control. We make no warranties or guarantees that using our services will stop a foreclosure or result in any specific financial outcome.

7. Property Offers

When we provide cash offers, creative finance proposals, or listing recommendations:

• All offers are contingent on property inspection and title review
• Offers may be modified or withdrawn based on inspection findings
• You are under no obligation to accept any offer we present
• We encourage you to obtain independent appraisals and seek professional advice
• Closing timelines are estimates and may vary based on title issues, inspections, and other factors

8. Listing Services

If you choose our As-Is Listing services:

• A separate listing agreement will be required
• Standard real estate commission rates apply (to be disclosed in listing agreement)
• We are licensed real estate agents in New Jersey
• Marketing timeline and success are not guaranteed
• You may be responsible for certain costs even if the property does not sell

9. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting forms or communicating with us. Providing false or misleading information may result in our inability to help you and may void any offers or agreements. We rely on the information you provide to evaluate your property and situation.

10. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Stop Foreclosures NJ or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our express written permission.

11. Third-Party Links

Our Site may contain links to third-party websites or resources. We provide these links for your convenience, but we do not endorse and are not responsible for the content, accuracy, or practices of any third-party sites. Your use of third-party websites is at your own risk and subject to their terms and conditions.

12. Disclaimer of Warranties

THIS SITE AND OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STOP FORECLOSURES NJ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR USE OR INABILITY TO USE THE SITE OR SERVICES; (B) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY PERSONAL INFORMATION STORED THEREIN; (C) ANY ERRORS OR OMISSIONS IN ANY CONTENT; OR (D) ANY PROPERTY TRANSACTION OR FORECLOSURE-RELATED OUTCOME.

14. Indemnification

You agree to indemnify, defend, and hold harmless Stop Foreclosures NJ, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with: (a) your use of the Site or services; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any information you provide to us.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved through:

• Informal Resolution: We encourage you to contact us first at (856) 879-1492 or support@stopforeclosuresnj.com to resolve any disputes informally
• Binding Arbitration: If informal resolution fails, disputes shall be resolved by binding arbitration in Gloucester County, New Jersey, under the rules of the American Arbitration Association
• Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to bring or participate in any class action or representative proceeding

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent possible, and the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Stop Foreclosures NJ regarding the use of our Site and services, and supersede any prior agreements or understandings.

18. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of our Site or services after changes are posted constitutes your acceptance of the modified Terms.

19. Contact Information

If you have any questions about these Terms of Service, please contact us: