Property Owners · For homeowners and families facing difficult notices
Property Distress & Ownership Review
If you've received a foreclosure notice, a tax delinquency letter or word of a lien or sheriff sale, we help you see what the public record shows and organize it for the people who can advise you.
Please read first. VPI360 is a records research and document organization service only. We do not offer foreclosure rescue, loan modification or negotiation with lenders, and we cannot prevent or stop a foreclosure or sale. We never ask for upfront fees for foreclosure relief. If you have a deadline, please contact an attorney, legal aid or a free HUD-approved housing counselor right away.
Receiving a notice about your home can be overwhelming. We don't negotiate, rescue or resolve. We do something quieter: gather what the public record shows, note the dates and sources, and put it in order so your conversations with an attorney, your lender or a HUD-approved housing counselor start from clear facts.
Questions we help answer
- Who does the public record show as owner, and what liens are recorded?
- Is a foreclosure or sheriff sale publicly listed, and on what dates?
- Are taxes, water/sewer or other municipal charges shown as delinquent?
- What documents and questions should I bring to an attorney or counselor?
What we look at
- 01
Ownership & recorded liens
Owner of record and liens we can locate in public records, with a clear note on what may be missing or not yet recorded.
- 02
Foreclosure & sheriff sale status
Any publicly listed foreclosure filing or sheriff sale, with the dates and the source where we found it.
- 03
Tax & municipal issues
Publicly shown tax balances, tax sale certificates, municipal charges or notices.
- 04
Optional value-support data
Market and comparable information for context only. Not an appraisal.
- 05
Documents & questions checklist
An organized list of your documents and questions to bring to an attorney, your lender or a HUD-approved counselor.
What we can find depends on what each municipality makes available. Scope and timing are confirmed with you before any work begins.
How we research government records
Our six-step method: public portals first, targeted OPRA or Right-to-Know requests when needed, and a sourced report.
Free help you can contact now
These independent organizations are not affiliated with VPI360. Many offer free help, and you do not need us to contact them.
- HUD-approved housing counselors (opens in new tab)
Find free or low-cost counseling near you.
- Legal Services of New Jersey (opens in new tab)
Free civil legal help for eligible NJ residents.
- NJ Courts: Foreclosure self-help (opens in new tab)
Information on the NJ foreclosure process and mediation.
- Pennsylvania Legal Aid Network (opens in new tab)
Find free legal aid across Pennsylvania, including Philadelphia.
Have a property question?
Tell us the address and what you are trying to find out. We will reply by email with questions and a proposed scope.