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Foreclosure In New Jersey

1. Home

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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 area.

The Office of Foreclosure

The foreclosure process 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 workplace deals with 7 kinds 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 treatments.

Foreclosure Actions and Foreclosure Processing Services

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

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

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

- General Questions and Status Requests

Complaints
Answers
Ask for Default

All correspondence (filings) must be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

The following kinds could be needed in foreclosure cases. See foreclosure mediation (listed 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 money orders need to be made payable to Treasurer - State of New Jersey. Attorneys might use their Judiciary Collateral Account to pay any costs. Cash is declined.

Fee Waiver Request:

Fill out the Filing Fee Waiver Request Form to look for a fee exemption. You must fulfill monetary requirements for eligibility. This form needs to accompany your file( s). The type and the documents ought to be sent to the General Equity Judge in the county where residential or commercial property lies. The judge will review the cost waiver request. Once the judge determines eligibility, your documents will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the charge waiver demand, you will be notified to send the fee before the documents can be filed.

Copy Requests:

For details on obtaining copies of files or files call Customer care at 609-421-6100. Requests for records need to be in composing. Refer to Copies of Court Records for more information on submitting a demand.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is offered to try 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 celebrations to an appropriate result on their terms. Lenders can still pursue foreclosure actions throughout the mediation process. It is necessary to start requesting mediation as soon as possible following a notice of foreclosure.

The very first action in the process is to file for mediation services. Attorneys or self-represented litigants can finish the filing for mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B must be satisfied. The demand also needs the foreclosure mediation list. Use the foreclosure mediation financial worksheet to reveal financial eligibility.

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

Understand rip-offs. Companies that promise to assist you get a loan adjustment, or notifications to save your home from foreclosure, are appearing all over NJ. You need to secure yourself and your home from scam business that have no regard for you and your home.

You need to thoroughly inspect the business's credentials, credibility, and experience. Look out for indication of a rip-off. Companies may falsely declare to be connected with a not-for-profit or federal government entity, or endorsed by government authorities. You must preserve individual contact with your lending institution and mortgage servicer. Your mortgage lender can help you find genuine choices to avoid foreclosure. You need to utilize the totally free HUD/NJHMFA-certified housing therapist. More information including ideas to avoid foreclosure frauds are detailed 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 renters in a residential or commercial property dealing with foreclosure may be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate property occupants have rights to stay on the residential or commercial property notwithstanding a foreclosure.

Frequently, due to the fact that lenders don't know tenants' names, the foreclosure complaint will name "John Doe, Tenants No. 1 to 10." If a lending institution is uninformed that the residential or commercial property is rented, a renter may first be told about the foreclosure when the lender has a writ of belongings. See the notice to domestic renters of rights throughout a foreclosure.
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Additional Resources for Foreclosure Help

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