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Foreclosure In New Jersey

1. Home

Courts
Superior Court
Foreclosure In New Jersey

Superior Court Clerk's Office

- Copies of Court Records

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Foreclosure
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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 includes both the Office of Foreclosure and the Superior Court General Equity judges. The Office of Foreclosure us an unit in the Superior Court Clerk's Office.

The office handles 7 types 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 submitted in the Superior Court. Pleadings are submitted with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.

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

You can contact 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) need to be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

The following forms could be needed in foreclosure cases. See foreclosure mediation (listed below) for mediation forms. Self-represented litigants can access our Self-Help page for kinds to submit.

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 may utilize their Judiciary Collateral Account to pay any charges. Cash is not accepted.

Fee Waiver Request:

Submit the Filing Fee Waiver Request Form to apply for a fee exemption. You should satisfy monetary requirements for eligibility. This kind should accompany your file( s). The kind and the files ought to be submitted to the General Equity Judge in the county where residential or commercial property is located. The judge will evaluate the fee waiver demand. Once the judge figures out eligibility, your documents will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the fee waiver request, you will be notified to submit the charge before the files can be filed.

Copy Requests:

For info on obtaining copies of files or documents call Customer Service at 609-421-6100. Requests for records must be in composing. Describe Copies of Court Records for more details on submitting a request.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is offered to try to save your home. Mediation is a process where a neutral third-party hears your case. The arbitrator does not make a decision on the case however guides both parties to an acceptable result on their terms. Lenders can still pursue foreclosure actions throughout the mediation process. It is important to begin requesting mediation as quickly as possible following a notice of foreclosure.

The initial step while doing so is to declare mediation services. Attorneys or self-represented litigants can finish the filing for mediation type. Eligibility requirements pursuant to Rule 4:64 -1 B need to be met. The demand likewise requires the foreclosure mediation list. Use the foreclosure mediation monetary worksheet to reveal monetary eligibility.

If a constable's sale is arranged, there are 2 statutory stays that can be asked for.

Understand scams. Companies that guarantee to assist you get a loan adjustment, or notifications to save your home from foreclosure, are popping up all over NJ. You need to protect yourself and your home from fraud business that have no regard for you and your home.

You need to thoroughly inspect the business's credentials, track record, and experience. Keep an eye out for indication of a fraud. Companies might incorrectly declare to be associated with a nonprofit or government entity, or endorsed by government authorities. You need to keep personal contact with your loan provider and mortgage servicer. Your mortgage lender can help you find real choices to avoid foreclosure. You ought to utilize the free HUD/NJHMFA-certified housing counselor. More information including suggestions to prevent foreclosure scams are laid out in the Public Announcement launched 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 occupants in a residential or commercial property facing foreclosure might be safeguarded by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate domestic renters have rights to remain on the residential or commercial property notwithstanding a foreclosure.

Frequently, since loan providers do not understand renters' names, the foreclosure complaint will call "John Doe, Tenants No. 1 to 10." If a lending institution is uninformed that the residential or commercial property is leased, a renter may first be told about the foreclosure when the lending institution has a writ of ownership. See the notice to domestic tenants of rights during a foreclosure.

Additional Resources for Foreclosure Help

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