@Craig Anderson RaymondAs jd mentioned the answer is no.You should have used a licensed servicer to handle this as if you foreclose and they get an attorney to fight you good luck as they can argue many thingsBut to answer the question if someone is behind then no it does not go to current paymentUsing monthly payments as easier exampleIf they are six months behind they would be do November 1, 2023.

Large and small builders depending on the states are already fighting other regulations, so this easies their bottom line even more.

It's a scarcity play, I am a bit amused when I hear people still fight this argument.

Copies of leases & all amendments (anything verbal will not carry over - if a tenant fights it, then you negotiate a new agreement with them or they leave - Never make verbal agreements with your residents)2.

Owner hired an attorney to fight the city and lost.

Although I'm not sure if localities will fight it or not abide... 

I know NJ is tough on landlord laws but looks like in this case we may have actually some grounds to fight it.

Is the property in a growing area with renters fighting to live there?

Lets create group here, as I am fighting alone and would like to share stories and hear what you guys have seen so far.Thank you,Julians 

He asked if the animal could come onsite to pick him up and I said yes but not stay  if GF stayed overnight and he respected that but he wasn't fighting me for it.