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Foreclosure In New Jersey

1. Home

Courts
Superior Court Clerk's Office
Foreclosure In New Jersey

Superior Court Clerk's Office

- Copies of Court Records

Data Reports for Sale
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Foreclosure
Pre-foreclosure

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

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 a system 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 rem 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 filed with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.

The Foreclosure Processing Services group dockets pleadings (e.g., grievances, answers and ask for default) in foreclosure cases. The team performs general 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
Ask for Default

All correspondence (filings) need to be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

The list below kinds might be needed in foreclosure cases. See foreclosure mediation (listed below) for mediation kinds. 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 should 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:

Complete the Filing Fee Waiver Request Form to make an application for a . You should satisfy monetary requirements for eligibility. This type must accompany your document( s). The kind and the documents must be sent 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 identifies eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the charge waiver demand, you will be alerted to send the fee before the documents can be filed.

Copy Requests:

For information on obtaining copies of files or documents call Customer care at 609-421-6100. Ask for records need to remain in composing. Describe Copies of Court Records for more information on sending a request.

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 decide on the case but guides both parties to an appropriate outcome on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is necessary to start requesting mediation as quickly as possible following a notification of foreclosure.

The initial step in the process is to apply for mediation services. Attorneys or self-represented litigants can complete the declare mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B must be satisfied. The demand likewise requires the foreclosure mediation checklist. Use the foreclosure mediation financial worksheet to show financial eligibility.

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

Be aware of rip-offs. Companies that promise to help you get a loan modification, or notices to save your home from foreclosure, are turning up all over NJ. You need to protect yourself and your home from scam business that have no regard for you and your home.

You need to carefully check the company's credentials, reputation, and experience. Keep an eye out for indication of a scam. Companies may incorrectly declare to be connected with a not-for-profit or government entity, or endorsed by government authorities. You ought to maintain personal contact with your loan provider and mortgage servicer. Your mortgage loan provider can help you find genuine options to avoid foreclosure. You ought to utilize the complimentary HUD/NJHMFA-certified housing counselor. More information consisting of pointers to avoid foreclosure rip-offs 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 occupants in a residential or commercial property dealing with foreclosure might be safeguarded by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate domestic occupants have rights to remain on the residential or commercial property regardless of a foreclosure.

Frequently, because loan providers don't understand occupants' names, the foreclosure problem will name "John Doe, Tenants No. 1 to 10." If a lender is unaware that the residential or commercial property is leased, a renter may first be told about the foreclosure when the lender has a writ of belongings. See the notice to residential tenants of rights during a foreclosure.

Additional Resources for Foreclosure Help

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