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Foreclosure In New Jersey

1. Home

Courts
Clerk's Office
Foreclosure In New Jersey

Superior Court Clerk's Office

- Copies of Court Records

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Foreclosure
Pre-foreclosure

If you're representing yourself in a foreclosure case, visit our self-help section.

The Office of Foreclosure

The foreclosure procedure is a two-tiered system. It involves both the Office of Foreclosure and the Superior Court General Equity judges. The Office of Foreclosure us a system in the Superior Court Clerk's Office.

The office deals with seven kinds of foreclosures:

1. Residential mortgage

Multi-family/commercial mortgage
In personam tax certificate
Municipal in rapid eye movement tax certificate
Condominium lien
Strict foreclosure
Fair Foreclosure Act optional procedures.

Foreclosure Actions and Foreclosure Processing Services

Foreclosure actions are filed in the Superior Court. Pleadings are filed with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.

The Foreclosure Processing Services group dockets pleadings (e.g., problems, answers and requests for default) in foreclosure cases. The group performs basic foreclosure case management functions. When a case is objected to, the team transfers to it General Equity Judges in the vicinages for personality.

You can call us at 609-421-6100 or SCCO.Mailbox@njcourts.gov for info on the following:

- General Questions and Status Requests

Complaints
Answers
Requests for Default

All correspondence (filings) should be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

The list below types might be needed in foreclosure cases. See foreclosure mediation (below) for mediation types. Self-represented litigants can access our Self-Help page for forms to file.

Notice-- Foreclosure Filings - Foreclosure CIS - Revised County/Municipal Code Number Table

Filing Fee Schedule

Checks or cash orders ought to be made payable to Treasurer - State of New Jersey. Attorneys might use their Judiciary Collateral Account to pay any costs. Cash is not accepted.

Fee Waiver Request:

Complete the Filing Fee Waiver Request Form to get a fee exemption. You must satisfy financial requirements for eligibility. This type needs to accompany your document( s). The kind and the files ought to be sent to the General Equity Judge in the county where residential or commercial property lies. The judge will evaluate the fee waiver demand. Once the judge figures out eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the fee waiver request, you will be notified to send the cost before the documents can be submitted.

Copy Requests:

For details on acquiring copies of files or files call Client service at 609-421-6100. Requests for records should remain in composing. Refer to Copies of Court Records for more information on sending a demand.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is offered to attempt to conserve your home. Mediation is a process where a neutral third-party hears your case. The mediator does not make a decision on the case but guides both parties to an appropriate result on their terms. Lenders can still pursue foreclosure actions during the mediation process. It is crucial to start requesting mediation as soon as possible following a notification of foreclosure.

The primary step while doing so is to apply for mediation services. Attorneys or self-represented litigants can finish the declare mediation type. Eligibility requirements pursuant to Rule 4:64 -1 B need to be satisfied. The request also needs the foreclosure mediation list. Use the foreclosure mediation financial worksheet to show monetary eligibility.

If a sheriff's sale is set up, there are 2 statutory stays that can be requested.

Know scams. Companies that guarantee to help you get a loan modification, or notices to save your home from foreclosure, are popping up all over NJ. You require to secure yourself and your home from scam companies that have no regard for you and your home.

You require to thoroughly check the company's credentials, track record, and experience. Keep an eye out for caution signs of a rip-off. Companies might wrongly declare to be associated with a nonprofit or federal government entity, or endorsed by federal government officials. You must keep individual contact with your lender and mortgage servicer. Your mortgage lending institution can assist you find real alternatives to avoid foreclosure. You must use the free HUD/NJHMFA-certified housing counselor. More information consisting of ideas to prevent foreclosure frauds are outlined in the Public Announcement released by the Federal Reserve.

Notices to the Bar

Notice - Mortgage Foreclosure Mediation Program - Resumption of Availability of Housing Counselors: Notice to Defendants Residential Mortgage Foreclosure Mediation Program - Rule Relaxation Order

Foreclosure for Renters

Residential tenants in a residential or commercial property dealing with foreclosure might be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential occupants have rights to remain on the residential or commercial property notwithstanding a foreclosure.

Frequently, because loan providers don't know occupants' names, the foreclosure problem will call "John Doe, Tenants No. 1 to 10." If a lender is unaware that the residential or commercial property is leased, an occupant may first be outlined the foreclosure when the lending institution has a writ of possession. See the notification to property occupants of rights during a foreclosure.
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Additional Resources for Foreclosure Help

Legal Services of New Jersey can supply resources and legal support for qualified litigants. The NJ Dept.